Any written notice you give us is effective when we actually receive it, and it must be given to us according to the specific delivery instructions provided elsewhere, if any. WebSimmons Bank ATMs. If you originate a fund transfer and you identify by name and number a beneficiary financial institution, an intermediary financial institution or a beneficiary, we and every receiving or beneficiary financial institution may rely on the identifying number to make payment. Maximum requests you can make per day. These rules provide, among other things, that payments made to you, or originated by you, are provisional until final settlement is made through a Federal Reserve Bank or payment is otherwise made as provided in Article 4A-403(a) of the Uniform Commercial Code. For instance, the early withdrawal penalty may be imposed if the withdrawal is caused by our setoff against funds in the account or as a result of an attachment or other legal process. Web Initiate transfers of funds between your Arvest Bank checking, money market and savings account(s). To obtain the report card benefit, customers must provide proof of grades in the branch via sealed or stamped report, for up to $10.00 in total reward value. If necessary, you may change or remove any of the telephone numbers or email addresses at any time using any reasonable means to notify us. You may make withdrawals of principal from your account before maturity. The person(s) creating this account type reserves the right to: (1) change beneficiaries, (2) change account types, and (3) withdraw all or part of the account funds at any time. We may supply any missing indorsement(s) for any item we accept for deposit or collection, and you warrant that all indorsements are genuine. If you opt out, you may opt back in if you decide you want the Visa Account Updater service in the future. Unless specifically stated in a separate agreement between you and us, we do not have to accept any other electronic or paper image of an original check. You agree that we have exercised ordinary care if our automated processing is consistent with general banking practice, even though we do not inspect each item. 30-day limit (i.e., dollar amount per 30 days). In order to qualify for Relationship Premium B on your Coin Savings account for a particular statement cycle, you must (i) have at least one linked Coin Checking account (to be linked, a Coin Checking account must have the same primary account holder as the Coin Savings account), (ii) meet the requirements for Relationship Premium A described above, and (iii) have a combined minimum of $500.00 in ACH transactions deposited into your linked Coin Checking account(s) during the calendar month preceding the last day of your statement cycle. (6) Requirement of Individual Arbitration:The arbitrator may award declaratory or injunctive relief only in favor of the individual party seeking relief and only to the extent necessary to provide relief warranted by that partys individual claim. Using the Simmons Bank Mobile App for iPhone or Android, login and select the "Deposit" quick action on your dashboard or select "Deposit Check" from the menu. where it is necessary for completing transfers; or, in order to verify the existence and condition of your account for a third party, such as a credit bureau or merchant; or, in order to comply with government agency or court orders; or. The interest rate for your account is ___% with an annual percentage yield of ___%. For example, your available balance may not reflect (1) outstanding checks and authorized withdrawals that we have not received, (2) debit card transactions that you authorized but that have not been submitted by the merchant, (3) the final amount of a debit card purchase that has been authorized (like a car rental or hotel bill), or (4) amounts from deposits that are not yet available (see the disclosure titled Your Ability to Withdraw Funds for more information). Joint Account - With Survivorship (And Not As Tenants In Common) -is an account in the name of two or more persons. Mobile Deposits are posted to accounts throughout each banking day. You may stop payment on any item drawn on your account whether you sign the item or not. The appellant shall pay all fees and costs for the appeal unless the panel determines that the appellant is the prevailing party, in which case the panel shall have the discretion in its final award to reallocate the fees and costs as justice or otherwise applicable law requires. In the event a special CD term is offered, the CD will renew at the term closest to the CD special term. This arbitration agreement does not preclude you or us from bringing issues to the attention of federal, state, or local agencies. Our liability will be reduced by the amount you recover or are entitled to recover from these other sources. Minimum balance to open the account -You must deposit $100,000.00 to open this account. Interest will be credited to your account every month. To use the Simmons Bank Mobile Deposit service, you must have the following: If you qualify for mobile deposit, the service will be available to you automatically. If your claim is for $10,000 or less, we agree that you may choose whether the arbitration will be conducted solely on the basis of documents submitted to the arbitrator, through a telephonic hearing, or by an in-person hearing as established by the AAA Rules. You may make unlimited deposits into your account. Health Savings Accounts (HSA) -We permit some electronic fund transfers to and/or from your HSA. In such case, you agree to reimburse us for all monies previously disbursed that are otherwise your obligation to pay under the AAA Rules. Crediting frequency -Interest will be credited to your account every quarter. (4) Arbitration Procedure:The arbitration will be governed by the Consumer Arbitration Rules (AAA Rules) of the American Arbitration Association (AAA), as modified by this arbitration provision, and will be administered by the AAA. Not receiving your statement in a timely manner is a sign that there may be an issue with your account, such as possible fraud or identity theft. Any cash transactions are combined and treated as a single transaction, and those transactions count toward the $10,000 limit. We will not be liable if we do not follow your instructions if we reasonably believe that following your instructions would expose us to potential loss or civil or criminal liability or conflict with customary banking practice. As used in this document the words we, our, and us mean the financial institution (Simmons Bank), and the words you and your mean the account holder(s) and anyone else with the authority to deposit, withdraw, or exercise control over the funds in the account. We will determine whether an error occurred within 10 business days (5 business days for Visa-branded Debit Card or ATM Card point-of-sale transactions processed by Visa) after we hear from you and will correct any error promptly. The report card benefit will be paid at the close of the calendar school year and proof of grades should be submitted within 30 days of end-of-year (May/June) report card. We do not charge for preauthorized payments from any type of account. For the purpose of charging these fees, our determination of whether your available balance is sufficient to pay an item is made when the item is processed and posted to your account. Indorsements must be made in blue or black ink, so that they are readable by automated check processing equipment. Minimum balance to open the account -You must deposit $25.00 to open this account. Multiple signatures, electronic check conversion, and similar transactions -An electronic check conversion transaction is a transaction where a check or similar item is converted into an electronic fund transfer as defined in the Electronic Fund Transfers regulation. Simmons Bank has been named to Forbes magazine's "World's Best Banks" list for a third year running. We will treat and record all transactions received after our daily cutoff time on a business day we are open, or received on a day we are not open for business, as if initiated on the next business day that we are open. Unless we have agreed in writing, we are not responsible for any losses, claims, damages, or expenses that result from your placement of these restrictions or instructions on your checks. Contact Simmons Bank Customer Support by sending a message in your online or mobile banking or by Online copies of our terms and conditions are provided only as a courtesy and convenience to you. The headings in this document are for convenience or reference only and will not govern the interpretation of the provisions. It is your responsibility to satisfy any tax liability resulting from use of your HSA for any purpose other than payment or reimbursement of qualified medical expenses. Credit entries may be made by ACH. In certain circumstances such as the death or incompetence of an owner of this account, the law permits, or in some cases requires, the waiver of the early withdrawal penalty. After 12 months of proper account management, the bank may, at the customers request, evaluate the account for another account type. There is NO monthly service charge, balance requirements or maintenance fees associated with this account. This means that if a second or subsequent request for payment is made, and at that time it again exceeds the available balance on your account, we may either pay or return the item and we may charge an additional Paid Item/Overdraft Fee or Return Item/Insufficient Funds Fee. Your interest rate and annual percentage yield may change. In these types of transactions the check or similar item is either removed from circulation (truncated) or given back to you. WebSimmons Bank is FDIC insured. We may refuse any withdrawal or transfer request which you attempt on forms not approved by us or by any method we do not specifically permit. Log in to your Simmons Trust Wealth Management, Request a Business Credit Card Application, Request a Corporate Credit Card Application, An active Simmons Bank online banking login; and. The terms of this disclosure are intended to work in conjunction with the HSA Agreement provided to you earlier. You agree that the time you have to examine your statement and items and report to us will depend on the circumstances. Thus, you should only provide your bank and account information (whether over the phone, the Internet, or via some other method) to trusted third parties whom you have authorized to initiate these electronic fund transfers. Such services include positive pay or commercially reasonable security procedures. This method applies a daily periodic rate to the principal in the account each day. The provisions of your agreement with us relating only to Visa transactions are not applicable to non-Visa transactions. All costs and attorneys fees can be deducted from your account when they are incurred, without notice to you. After the hold has been reduced or removed, you may make deposits into or withdrawals from your account subject to any remaining hold amount. You will pay any additional reasonable charges for services you request which are not covered by this agreement. Contact Simmons Bank Customer Support by sending a message in your online or mobile banking or by calling toll free at 1-866-246-2400 between 7:30 a.m. CT and 6:00 p.m. CT each banking day, and 8:00 a.m. CT to noon CT on Saturday. The following rules do not apply to a transaction or claim related to a consumer electronic fund transfer governed by Regulation E. The error resolution procedures for consumer electronic fund transfers can be found in our initial Regulation E disclosure titled, Electronic Fund Transfers. For other transactions or claims, if you claim a credit or refund because of a forgery, alteration, or any other unauthorized withdrawal, you agree to cooperate with us in the investigation of the loss, including giving us an affidavit containing whatever reasonable information we require concerning your account, the transaction, and the circumstances surrounding the loss. A $3.00 Paper Statement Fee will be imposed every statement cycle in which you receive a paper statement. WebSIMMONS FIRST NATIONAL CORP Parent FDIC Cert#: NA - Not listed as a child of a larger bank. If you have any difficulties, please email support@simmonsbank.com or call us at 1-866-246-2400. In that case, we will reverse the credit of the item. As between you and us, if you are negligent in safeguarding your checks, you must bear the loss entirely yourself or share the loss with us (we may have to share some of the loss if we failed to use ordinary care and if we substantially contributed to the loss). Fifty (50) foreign deposited items and fifty (50) on us deposited items may be made at no charge in each monthly statement cycle. Fees -A $2.00 Paper Statement Fee will be imposed every statement cycle in which you receive a paper statement. In the event of a conflict between the certificate of deposit terms and disclosures and any other provision of this agreement, the terms of this agreement shall control. Making sure you have all the support you need, for life. Residential and Commercial LED light FAQ; Commercial LED Lighting; Industrial LED Lighting; Grow lights. Compounding and crediting frequency -Interest will be compounded every quarter. You will receive an email with details if your deposit is rejected. How do you withdraw money without a debit card? If we close your account, we will provide reasonable notice to you and tender the funds in the account personally or by mail. To provide you with the best possible service in our ongoing business relationship for your account we may need to contact you about your account from time to time by telephone, text messaging or email. To obtain the $10.00 opening deposit match, balance must be at $10.00 or more on their third reward cycle, and the minor must not be past the day of their 17th birthday at account opening. This fee will not apply until the primary owner reaches age eighteen (18). Any Electronic Deposit received by Umpqua Bank after its 6:00 p.m. Pacific We may allow account owners to designate an agent on their account using a power of attorney. Making sure you have all the support you need, for life. There is no Monthly Service Charge on this account. Verify incoming direct deposit amounts or the credits and debits that have posted to your account(s). Simmons Bank has been named to Forbes magazine's "World's Best Banks" list for a third year running. The interest rate will be the same we offer on new time deposits on the maturity date which have the same term, minimum balance (if any) and other features as the original time deposit. You agree to hold us harmless from any claim arising as a result of our exercise of our security interest or right of setoff.

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