If we accept a power of attorney, the agent(s) may make account transactions on behalf of the account owners. Fees Except as stated below, you agree that we may charge fees if we pay an item that creates an overdraft or if we return an item that would have overdrawn your account. You can withdraw interest only on the crediting dates. Customer- initiated activity includes (A) a communication between the bank and the customer in which (i) the customer requests the account status be changed to active and (ii) the customers identity is authenticated by the bank, (B) deposits to the account, or (C) withdrawals from the account, but does not include the payment of interest or the assessment of fees and charges by the bank. Minimum balance to avoid imposition of fees -A service charge fee of $10.00 will be imposed every statement cycle if the balance in the account falls below $2,500.00 any day of the cycle. You may make unlimited deposits into your account. You can also see the status of your deposit in our app. We may close this account at any time without prior notice to you. DeluxeXL 6 yr. ago You can mail your check if they don't take remote deposits due to the amount. If we receive such a second or subsequent request for payment, we will treat the request as an independent item different from the item(s) previously presented. Only debit card transactions described above that have been settled and posted no later than the last business day of the month preceding the end of your current statement cycle will be counted toward eligibility for Relationship Premium A for that statement cycle. 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. Minimum balance to open the account -You must deposit $10.00 to open this account. If the machine uses envelopes, fill out the front of the envelope with any required information. We can change our practice of paying overdrafts on your account without notice to you. We are not responsible for transactions by mail or outside depository until we actually record them. When we transition from one business day to the next business day, we post transactions to your account during our nightly processing for each business day. Accounts not funded within 45 days of account opening will be closed. The Notice to you will be sent to your address on file with your account. You understand that by merely opening such an account, we are not acting in the capacity of a trustee in connection with the trust nor do we undertake any obligation to monitor or enforce the terms of the trust or letters. 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). We believe a check you deposit will not be paid. Minimum balance to obtain the annual percentage yield disclosed You must maintain a minimum balance of $100,000.00 in the account each day to obtain the disclosed annual percentage yield. Regardless of the manner in which the arbitration is conducted, the arbitrator shall issue a reasoned written decision sufficient to explain the essential findings and conclusions on which the award is based. Minimum balance to open the account -There is no minimum balance to open this account. You agree to hold us harmless from any claim arising as a result of our exercise of our security interest or right of setoff. It includes, but is not limited to: In this arbitration provision only, references to we, us, and our mean the financial institution and its parents, subsidiaries, affiliates, predecessors, successors, and assigns, as well as each of those entities agents and employees. We may (without prior notice and when permitted by law) set off the funds in this account against any due and payable debt any of you owe us now or in the future. Most often, ATM cash withdrawal limits range from $300 to $1,000 per day. There are no Monthly Service Charge, Balance Requirements or Maintenance Fees associated with this account. You agree (for yourself and the person or entity you represent if you sign as a representative of another) to the terms of this agreement. Making sure you have all the support you need, for life. In Case of Errors or Questions About Your Electronic Transfers, Call or Write us at the telephone number or address listed in this disclosure, as soon as you can, if you think your statement or receipt is wrong or if you need more information about a transfer listed on the statement or receipt. ATM domestic withdrawals: $2.50 to $3.00 ATM domestic inquiries: $0.50 ATM foreign transactions: $0, but a general fee for foreign transactions applies, typically 4% Declined ATM transactions: $1 The following prepaid cards deliver the services you expect, including access to ATMs, without demanding a good credit score or a U.S. bank We generally post fees for overdrafts and returned items immediately after we post or return the debit item that caused, or would have caused, the overdraft. Rewards pay on the 26th (or next business day) of each month. Since not all merchants participate, you should also contact the merchants directly if your card information changes. SIMMONS BANK501 SOUTH MAINPINE BLUFF, AR 71601Business Days: Monday through FridayExcluding Federal HolidaysPhone: (866) 246-2400For Problem Resolution:Visa call 870-541-1240 or 800-272-2102Simmons Bank Visa Debit Cardor Simmons Bank ATM Cardcall 870-850-2570 or 866-795-9410or write:Simmons BankP.O. You also warrant that any substitute check you create conforms to the legal requirements and generally accepted specifications for substitute checks. This account IS NOT available to Business, Commercial or Organization customers. Automatically renewable time account -This account will automatically renew at maturity. You may opt in the same way(s) that you can opt out. We also will pay all other AAA filing, administration, and arbitrator fees for that arbitration. This section applies to all transaction accounts, such as checking accounts, and does not apply to savings accounts, time deposits or money market accounts. Again, this is determined by the bank or credit unionthere is no standard daily ATM In addition, if you receive or we make available either your items or images of your items, you must examine them for any unauthorized or missing indorsements or any other problems. The most recent version of the Simmons Bank Mobile App for iPhone or Android. Please ensure that your email address is current. 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. Cash withdrawals -We recommend you take care when making large cash withdrawals because carrying large amounts of cash may pose a danger to your personal safety. Postdated checks -A postdated check is one which bears a date later than the date on which the check is written. This information can be found on your check as well as on a deposit or withdrawal slip. 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. A Dormant Account Fee of $10.00 per month will be imposed if there is no customer-initiated activity on the account for more than 365 days. If we receive a payment order to credit an account you have with us by wire or ACH, we are not required to give you any notice of the payment order or credit. We must hear from you no later than 60 days after we sent the FIRST statement on which the problem or error appeared. For example, the additional limits on liability (sometimes referred to as Visas zero-liability program) and the streamlined error resolution procedures offered on Visa debit card transactions are not applicable to transactions processed on a PIN-Debit Network. The loss could be not only with respect to items on the statement but other items with unauthorized signatures or alterations by the same wrongdoer. Those funds will be available at the time funds from the check we cashed would have been available if you had deposited it. You redeposit a check that has been returned unpaid. For instance, if we suspect fraudulent activity with respect to your account, we might immediately freeze or close your account and then give you notice. Web*ATM transactions at other financial institutions ATMs (Other financial institutions fees may apply) and unlimited use of CO-OP Network ATMs (including 7-11 stores) and POS, Your authorization to the third party to make these transfers can occur in a number of ways. You must notify us at once if you suspect that your facsimile signature is being or has been misused. We may take funds from your account to pay the amount you owe us, and if there are insufficient funds in your account, you still owe us the remaining balance. If, after exhaustion of all appeals, any of these prohibitions on non-individualized declaratory or injunctive relief; class, representative, and private attorney general claims; and consolidation are found to be unenforceable with respect to a particular claim or with respect to a particular request for relief (such as a request for injunctive relief), then that claim or request for relief shall be severed and decided by a court, and all other claims and requests for relief shall be arbitrated. Generally -- When the dollar amount of one or more items exceeds the available balance of your account, at our discretion and without notice to you, we may pay or return some or all of the items. Please note that the funds availability provisions set forth above do not apply to funds deposited remotely using the mobile deposit function within our mobile banking application (Mobile Deposits). Rather, Mobile Deposits will generally be made available by the third business day after the day of your deposit. The arbitrator may consider but shall not be bound by rulings in other arbitrations involving different customers. The electronic fund transfers we permit are offered for the convenience of managing your HSA. Actual credit for deposits of, or payable in, foreign currency will be at the exchange rate in effect on final collection in U.S. dollars. (8) Additional Procedures for Complex Disputes:If the actual damages sought by either you or us in an arbitration exceeds $250,000 (not counting amounts sought for punitive, statutory, treble, or emotional harm damages or for attorneys fees or costs), then the following additional procedures apply. 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. Minimum balance to open the account -There is no minimum balance to open this account. Minimum balance to open the account -You must deposit $100,000.00 to open this account. 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. As you look at the front of a check, the trailing edge is the left edge. Rejecting this arbitration provision will not affect your other rights or responsibilities under this Agreement. All costs and attorneys fees can be deducted from your account when they are incurred, without notice to you. If you have multiple open Coin Savings accounts, Relationship Premiums will only be paid to the most recently opened of the Coin Savings accounts, and only one Coin Savings account per account holder may be eligible for Relationship Premiums. We are not responsible for any unauthorized signature or alteration that would not be identified by a reasonable inspection of the item. Computer Transfers - types of transfers -You may access your account(s) by computer through the internet by logging onto our website at www.simmonsbank.com and using your user identification and a password, to: Mobile Banking Transfers - types of transfers -You may access your account(s) through the browser on your cell or mobile phone at www.simmonsbank.com and using your user identification and a password, to: You may be charged access fees by your cell phone provider based on your individual plan. Dont have a User ID? For those accounts to which our funds availability policy disclosure does not apply, you can ask us when you make a deposit when those funds will be available for withdrawal. Our rights under this security interest are in addition to, and not in limitation of, any other rights under any other security interest you may have granted to us under a separate agreement. For information on errors relating to a substitute check you received, refer to your disclosure entitled Substitute Checks and Your Rights. If the notice is regarding a check or other item, you must give us sufficient information to be able to identify the check or item, including the precise check or item number, amount, date and payee. WebMaximum daily amount you can request. In all cases, these third party transfers will require you to provide the third party with your account number and bank information. This right of setoffdoes not apply to this account if prohibited by law. However, this time period shall not exceed 60 days. If we have notified you of a change in any term of your account (including, for the avoidance of doubt, a change to this agreement) and you continue to have your account after the effective date of the change, you have agreed to the new term(s). Mobile deposit is available to Simmons Bank online and mobile banking customers who are at least 18 years of age and have the most recent Simmons Bank App for iPhone or Android. 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. If we reclassify your account, your account will be subject to the fees and earnings rules of the new account classification. (If you bring an action against us, you will not be responsible for our costs and attorneys' fees except as provided by applicable law.) We may properly pay and charge your account for a postdated check even though payment was made before the date of the check, unless we have received written notice of the postdating in time to have a reasonable opportunity to act. as explained in the separate Privacy Disclosure. Also, it is your responsibility to ensure the contributions, distributions, and other actions related to your HSA, comply with the law, including federal tax law. To process the deposit, we will verify and record the deposit, and credit the deposit to the account. You may avoid the Paper Statement Fee by enrolling to receive eStatements instead of paper statements for this account. Please read this carefully and retain it for future reference. Once you verify that the funds have been applied to your account correctly, you should shred the check. This account organization will not change the amount of federal deposit insurance available to you, your available balance, the information on your periodic statements, or the interest calculation, if this is an interest-bearing account. Notice to any of you is notice to all of you. This includes, but is not limited to, disputes between you and another joint owner; you and an authorized signer or similar party; or a third party claiming an interest in your account. If there are any discrepancies between the amounts shown on the itemized list of the deposit and the amount we determine to be the actual deposit, we will notify you of the discrepancy. A monthly service charge fee of $3.00 will be charged each month. You must make any stop-payment order in the manner required by law and we must receive it in time to give us a reasonable opportunity to act on it before our stop-payment cutoff time. Deposit limits exist, too, although theyre less common. Capital One, for example, has a one-time cash deposit limit of $5,000. Some banks also set limits on how many bills (individual bank notes) you can deposit through an ATM. Notify us at once if you believe your checks have been lost or stolen. Contact Simmons Bank Customer Support by sending a message in your online or mobile banking or by Making sure you have all the support you need, for life. This funds availability policy statement applies to all transaction accounts, such as checking accounts, and does not apply to savings accounts, time deposits, or money market accounts. Accounts opened on or before the 25th of each month will pay on the third statement cycle, accounts opened between the 26th and 31st will pay in the fourth statement cycle. Beginning with the statement cycle in which your account is opened and for each statement cycle thereafter, your Coin Savings account may be eligible to earn either Relationship Premium A, Relationship Premium B, or neither. To ensure that your check or share draft is processed without delay, you must indorse it (sign it on the back) in a specific area. Because stop-payment orders are handled by computers, to be effective, your stop-payment order must precisely identify the number, date, and amount of the item, and the payee. You agree to hold us harmless from any loss you incur as a result of your decision to withdraw funds in the form of cash. The interest rate for your account is ___% with an annual percentage yield of ___%. If your account has an original maturity of one year or more: The fee imposed will equal 360 days interest on the amount withdrawn. This agreement requires that disputes be resolved through individual arbitration rather than jury trials or class action proceedings and limits your remedies in the event of a dispute. For every $1 spent, you receive rewards that you can put back into your business. By opening and maintaining your account with us, you consent to our asserting our security interest in your account, to the extent any applicable laws require your consent. You authorize us to deduct all such fees and charges, without notice to you, directly from your account as accrued. If you fail to report any unauthorized signatures, alterations or forgeries in your account within 30 days of when we first send or make the statement available to you, you cannot assert a claim against us on any items in that statement, and as between you and us the loss will be entirely yours, including, but not limited to, any amounts lost as a result of subsequent unauthorized signatures, alterations or forgeries on your account by the same wrongdoer if the payment was made before we received notice from you. If you truncate an original check and create a substitute check, or other paper or electronic image of the original check, you warrant that no one will be asked to make payment on the original check, a substitute check or any other electronic or paper image, if the payment obligation relating to the original check has already been paid. The rules in this section cover stopping payment of items such as checks and drafts. Accounts will pay the conversion bonus 180 days post-conversion. Access to your money shouldn't be a waiting game, which is why we provide you with free, instant access of up to $500 of the checks you've deposited at a branch, ATM, or on the Huntington Mobile app. Rules governing changes in interest rates are provided separately in the Truth-in-Savings disclosure or in another document. If you elect to receive paper statements, a $3.00 Paper Statement Fee will be imposed for every statement cycle you receive a paper statement. Our policy is to make funds from your cash and check deposits available to you on the first business day after the day we receive your deposit. We may seek instructions from a court of competent jurisdiction, at your expense (to the extent allowed by applicable law), regarding the ownership or control of the account. However, the first $225 of your deposits will be available on the first business day after the day of your deposit. You should be aware that anyone holding the item may be entitled to enforce payment against you despite the stop-payment order. Restricted transactions generally include, but are not limited to, those in which credit, electronic fund transfers, checks, or drafts are knowingly accepted by gambling businesses in connection with the participation by others in unlawful Internet gambling. Crediting frequency -Interest will be credited to your account every quarter. Insert your cash in the envelope and seal it. Simmons Bank has been named to Forbes magazine's "World's Best Banks" list for a third year running. Or, in our discretion, we may freeze the assets in the account and not allow any payments out of the account until a final court determination regarding the legal action. We will not be liable for the dishonor of any check when the dishonor occurs because we set off a debt against this account. Items presented for payment after the account is closed may be dishonored, and we have no liability for such dishonor. The terms of this disclosure are intended to work in conjunction with the HSA Agreement provided to you earlier. Please click here to change/reset your username or password. Simmons Bank suggests that you consult the Privacy Disclosure on the site for further information. This agreement evidences a transaction in interstate commerce, and thus the Federal Arbitration Act governs the interpretation and enforcement of this provision. We will use the date the transaction is completed by us (as opposed to the date you initiate it) to apply the frequency limitations. We will add all of your open and active accounts to Mobile Deposit. Examples of these transfers include, but are not limited to: Telephone Transfers - types of transfers -You may access your account by telephone (870) 541-1234 or (877) 245-1234 using your personal identification number (PIN), a touch tone phone and your account numbers, to: ATM Card ATM Transfers - types of transfers and dollar limitations -You may access your account(s) by ATM using your ATM card and personal identification number or Visa Debit Card and personal identification number, to: Some of these services may not be available at all terminals. You may not make any deposits into your account before maturity. This account may not be transferred or assigned without our prior written consent. Any certificate of deposit terms and disclosures provided by us to you separately are intended to supplement the terms of this agreement. Dormant Account Fees do not apply to accounts owned by Texas residents and only apply to accounts when the daily balance falls below $1,000.00 any day of the statement cycle. 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. Savings Accounts We may refuse to accept the designation of an agent. The available balance may increase or decrease throughout the day based on the account activity. We will not be liable for anything we do when following your instructions. Checks and withdrawal rules -If you do not purchase your check blanks from us, you must be certain that we approve the check blanks you purchase. This arbitration provision is optional. Your duty to report other errors or problems -In addition to your duty to review your statements for unauthorized signatures, alterations and forgeries, you agree to examine your statement with reasonable promptness for any other error or problem - such as an encoding error, an unexpected deposit amount, or an improper fee or charge. If we communicate by mail, we will generally attempt to communicate with you by use of the most recent address you have provided to us. If we accept a third-party check or draft for deposit, we may require any third-party indorsers to verify or guarantee their indorsements, or indorse in our presence. These rules apply to this account depending on the form of ownership and beneficiary designation, if any, specified on the account records. You will be entitled to credit only for the actual deposit as determined by us, regardless of what is stated on the itemized deposit slip. We will tell you the results within three business days after completing our investigation. Your Simmons Bank debit card will be automatically enrolled in the free Visa Account Updater (VAU) service. BauerFinancial Star-Rating system utilizes a scale of zero stars (lowest) to five Minimum balance to open the account -You must deposit $50.00 to open this account. For example, if you deposit a check and it is returned unpaid or we receive a notice of nonpayment, we do not have to notify you unless required by federal Regulation CC or other law. For new accounts, we may take up to 20 business days to credit your account for the amount you think is in error. WebWorking at Simmons Bank: 276 Top Reviews | Indeed.com Start of main content Simmons Bank 51 3.4 Write a review Snapshot Why Join Us 276 Reviews 274 Salaries 203 Jobs 58 Q&A Interviews 7 Photos Simmons Bank Employee Reviews Review this company Job Title All Location United States 276 reviews Ratings by category 3.4 Work A transaction charge of $0.25 will be assessed on each additional deposited item. So I'd imagine if it's over $5,000 they'll probably need to have you come in and see a human. You further agree that, if we did not use ordinary care, the time that you have to examine your statements and report to us pursuant to this section will be extended to 60 days. 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. Web 2023 Simmons Bank Privacy policy Member FDIC Equal Housing Lender Debit/ATM card limits: Maximum amount of total daily withdrawals and purchases. The owner does not give up any rights to act on the account. Nor are we responsible for ensuring your eligibility for making contributions or ensuring withdrawals are used for payment or reimbursement of qualified medical expenses. 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. 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. We encourage you to agree and tell us in writing of the percentage of the deposit contributed by each of you. If you and we do not reach an agreement to resolve the claim within 45 days after the Notice is received, you or we may commence an arbitration proceeding. You agree to cooperate with us in any legal actions that we may take against such persons. (The filing fee currently is $200 but is subject to change by the arbitration provider. The interest rate and annual percentage yield described below in the Your Account section reflect the base interest rate (Base Rate) in effect as of the date this disclosure is provided to you, and do not reflect any potential increases in the interest amount as a result of Relationship Premiums. Rate Information - Your interest rate and annual percentage yield may change. However, we must first obtain your consent to contact you about your account because we must comply with the consumer protection provisions in the federal Telephone Consumer Protection Act of 1991 (TCPA), CAN-SPAM Act and their related federal regulations and orders issued by the Federal Communications Commission (FCC). 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