A $3.00 Paper Statement Fee will be imposed every statement cycle in which you receive a paper statement. (If you bring an action against us, you will not be responsible for our costs and attorneys' fees except as provided by applicable law.) There may be other exceptions stated in our agreement with you. We will not be liable, for instance: We will disclose information to third parties about your account or the transfers you make: (b) Contact in event of unauthorized transfer -If you believe your card and/or code has been lost or stolen, call or write us at the telephone number or address listed in this disclosure. To the extent permitted by law, you waive any notice of non-payment, dishonor or protest regarding any items credited to or charged against your account. All deposits to this account WILL be considered Current Year Contributions, UNLESS otherwise specified by the account owner. Rules governing changes in interest rates are provided separately in the Truth-in-Savings disclosure or in another document. We need only make one determination, but if we choose to make a subsequent determination, the available balance at the subsequent time will determine whether there are insufficient funds. One of these accounts is a transaction subaccount (e.g., a checking subaccount). Please note, debit card transactions generally take 3-10 days to settle and post but may take longer. This agreement is subject to Article 4A of the Uniform Commercial Code - Fund Transfers as adopted in the state of Arkansas. 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. The Notice to us should be sent by certified mail to: Legal Department, Simmons Bank, P.O Box 7009, Pine Bluff, Arkansas 71611-7009 (Notice Address). (10) Military Lending Act:If you are a covered member of the armed forces or the dependent of a covered member within the meaning of the Military Lending Act and your Agreement with us involves an extension of consumer credit under that Act, then you are not required to arbitrate disputes. Go digital with our top-rated mobile app. claims arising out of or relating to any aspect of the relationship between you and us, whether based in contract, tort, fraud, misrepresentation, or any other statutory or common-law legal theory; claims that arose before this or any prior Agreement (including, but not limited to, claims relating to advertising or disclosures for any of our products or services); claims for mental or emotional distress or injury not arising out of bodily injury; claims asserted in a court of general jurisdiction against you or us, including counterclaims, cross-claims, or third-party claims, that you or we elect to arbitrate in the answer or other responsive pleading; claims relating to the retention, protection, use, or transfer of information about you or any of your accounts for any of our products or services; claims relating to communications with you, regardless of sender, concerning any of our products or services, including emails and automatically dialed calls and text messages; claims that are currently the subject of purported class action litigation in which you are not a member of a certified class; and. Any remaining balances in your Coin Savings account will be paid the Base Rate. Only ACH transactions described above which 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 B for a given statement cycle. So I'd imagine if it's over $5,000 they'll probably need to have you come in and see a human. For purposes of this section, Health Savings Accounts are considered transaction accounts. Create one here.Forgot User ID or Password? Unless we have acted in bad faith, we will not be liable for special or consequential damages, including loss of profits or opportunity, or for attorneys fees incurred by you. 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. An atm is a terminal located on the placements of financial institutions or elsewhere, through which customers may make withdrawals, deposits or Funds from all other check deposits will be available on the fifth business day after the day of your deposit. We can decide what identification is reasonable under the circumstances and such identification may be documentary or physical and may include collecting a thumbprintor fingerprint. Postdated checks -A postdated check is one which bears a date later than the date on which the check is written. You may opt in the same way(s) that you can opt out. ATM Withdrawal Limit Different banks, account types and ATMs have different withdrawal limits, so be conscious of these restrictions. However, we may continue to honor the transactions of the agent until: (a) we have received written notice or have actual knowledge of the termination of the agency, and (b) we have a reasonable opportunity to act on that notice or knowledge. Any holds associated with your account reduce the available balance. Dormant Account Fees do not apply to accounts owned by Texas residents and only apply to accounts when the daily balance falls below $2,500.00 any day of the statement cycle. 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. However, this time period shall not exceed 60 days. Notice of Changes to Funds Availability Policy. If we cash a check for you that is drawn on another bank, we may withhold the availability of a corresponding amount of funds that are already in your account. We can change our practice of paying overdrafts on your account without notice to you. If you stop payment on an item and we incur any damages or expenses because of the stop payment, you agree to indemnify us for those damages or expenses, including attorneys fees. There is NO monthly service charge, balance requirements or maintenance fees associated with this account. The Simmons Bank Coin Checking Account gives you UNLIMITED check writing privileges. Health Savings Account (Minimum age to open this account is 18) This right of setoffdoes not apply to this account if prohibited by law. You will receive notice of any changes to your limit. A transaction may affect the available balance of your account prior to the time it is posted to your account. (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. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period. 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. Please note, if a transaction shows as pending, it has not settled and posted. We undertake no obligation to monitor transactions to determine that they are on the owners behalf. 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. You may avoid the Paper Statement Fee by enrolling to receive eStatements instead of paper statements for this account. (2) Claims Not Subject to Arbitration:You and we agree that the following disputes or claims cannot be arbitrated: These exclusions from arbitration are intended to be interpreted narrowly. Any disputes as to recovery of the $500 minimum recovery shall be resolved by the arbitrator, and must be raised within 14 days of the arbitrators ruling on the merits. 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. Fees -A $2.00 Paper Statement Fee will be imposed every statement cycle in which 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. If you meet the above Relationship Premium A requirements in the calendar month preceding the last day of your current statement cycle, you will qualify for Relationship Premium A on your most recently opened Coin Savings account for that statement cycle and receive the Base Rate plus an additional 25 basis points (.25%) in interest on any daily balance amount up to and including $10,000.00. You will be enrolled in eStatements when this account is opened online. An IRA account is considered abandoned after a year-end Fair Market Value statement is returned undeliverable or upon failure of the owner to execute the election of payment document by December 31 of the year that he/she becomes age 72. Please click here to change/reset your username or password. Even if we honor a nonconforming request, we are not required to do so later. If you do not wish to agree to arbitration, please refer to the section entitled Dispute Resolution by Binding Arbitration for instructions on how to reject arbitration. See your notice of penalty for early withdrawal. Please refer to our separate rate sheet for current interest rate and annual percentage yield information for our interest-bearing accounts and to our separate Schedule of Fees and Charges for additional information about fees and charges that apply to the accounts described above. 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 can also see the status of your deposit in our app. We may deposit the funds in the account with the clerk of a court in connection with an interpleader action, and, to the extent allowed by applicable law, may recover our costs, including attorneys fees, out of the account. These indorsement guidelines apply to both personal and business checks. You are leaving the Simmons Bank web site. 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. We may allow account owners to designate an agent on their account using a power of attorney. The Save10 Youth Savings account will convert to a Simply Savings account when the primary owner turns 18. Webass anal stretching. Rules for stopping payment of other types of transfers of funds, such as consumer electronic fund transfers, may be established by law or our policy. You are entitled to opt out of this service. Your interest rate and annual percentage yield may change. BauerFinancial Star-Rating system utilizes a scale of zero stars (lowest) to five Savings Accounts For example, the right of setoffdoes not apply to this account if: (a) it is an Individual Retirement Account or similar tax-deferred account, or (b) the debt is created by a consumer credit transaction under a credit card plan (but this does not affect our rights under any consensual security interest), or (c) the debtors right of withdrawal only arises in a representative capacity, or (d) setoffis prohibited by the Military Lending Act or its implementing regulations. If we ask you to put your complaint or question in writing and we do not receive it within 10 business days, we may not credit your account.For errors involving new accounts, point-of-sale, or foreign transactions, we may take up to 90 days to investigate your complaint or question. In the event a special CD term is offered, the CD will renew at the term closest to the CD special term. The owner is responsible for all transactions of the agent. Get the buying power you need with the rewards you want. We may charge a fee for anyone that does not have an account with us who is cashing a check, draft or other instrument written on your account. Before settlement of any item becomes final, we act only as your agent, regardless of the form of indorsement or lack of indorsement on the item and even though we provide you provisional credit for the item. We are not obligated to notify you when a stop-payment order expires. WebRemove your cash and debit card from the ATM and store it away safely. Additional Information -- More information about overdraft services and fees for overdrafts and returned items can be found in our Overdraft Privilege Disclosure, the disclosure titled What you Need to Know about Overdrafts and Overdraft Fees, and our Schedule of Fees and Charges. We may close your account and impose the early withdrawal penalty on the entire account balance in the event of a partial early withdrawal. 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. 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. When you flip the check over, be sure to keep all indorsement information within 11/2 of that edge. Our forbearance from, or delay in, exercising any of our rights, remedies, or privileges under this agreement or applicable law shall not be construed to be a waiver of those rights, remedies, or privileges. Simmons Bank has been named to Forbes magazine's "World's Best Banks" list for a third year running. WebATMs ATMs 32,000 ATMs Nationwide Being a BOK Financial client means you get FREE access to more than 32,000 ATMs across the country! If we reclassify your account, your account will be subject to the fees and earnings rules of the new account classification. 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. Unless we agree in writing otherwise, we have no fiduciary duties to you related to the accounts and services we provide to you. No ATM Fees + show details Simmons Bank Student Simply Checking APY 0% Monthly Fee None Signup Bonus None No ATM Fees + show details Simmons Each of you (until we receive written notice to the contrary) authorizes each other person who signs or has authority to make withdrawals to indorse any item payable to you or your order for deposit to this account or any other transaction with us. If your debt arises from a promissory note, then the amount of the due and payable debt will be the full amount we have demanded, as entitled under the terms of the note, and this amount may include any portion of the balance for which we have properly accelerated the due date. Generally, Tell us AT ONCE if you believe your card and/or code has been lost or stolen, or if you believe that an electronic fund transfer has been made without your permission using information from your check. If we accept a power of attorney, the agent(s) may make account transactions on behalf of the account owners. Please read this disclosure carefully because it tells you your rights and obligations for the transactions listed. In such case, you agree to reimburse us for all monies previously disbursed that are otherwise your obligation to pay under the AAA Rules. WebTo get started, log into online banking and follow these steps: Select My Accounts at the top of the page, then select the account you'd like to view your limit for. 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 In the event of a conflict, the terms of the HSA Agreement control. If you make a deposit before closing on a business day that we are open, we will consider that day to be the day of your deposit. Your Simmons Bank debit card will be automatically enrolled in the free Visa Account Updater (VAU) service. In addition, if you initiate an arbitration in which you seek relief valued at greater than $10,000 (either to you or to us), the payment of these fees will be governed by the AAA rules. During the arbitration, the amount of any settlement offer shall not be disclosed to the arbitrator until after the arbitrator determines the amount, if any, to which you are entitled. Interest will be calculated on the same basis as during the original term. You warrant and agree to the following for every remotely created check we receive from you for deposit or collection: (1) you have received express and verifiable authorization to create the check in the amount and to the payee that appears on the check; (2) you will maintain proof of the authorization for at least 2 years from the date of the authorization, and supply us the proof if we ask; and (3) if a check is returned you owe us the amount of the check, regardless of when the check is returned. In all cases, these third party transfers will require you to provide the third party with your account number and bank information. Credit entries may be made by ACH. Crediting frequency -Interest will be credited to your account every quarter. If, however, the arbitrator finds that either the substance of your claim or the relief you seek is frivolous or brought for an improper purpose (as measured by the standards set forth in Federal Rule of Civil Procedure 11(b)), then the payment of all such fees will be governed by the AAA Rules. 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. 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 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. Telephoning is the best way of keeping your possible losses down. Principal withdrawn before maturity is included in the amount subject to early withdrawal penalty. There is NO monthly service charge, balance requirements or maintenance fees associated with this account. Agent ( s ) may make account transactions on behalf of the new classification... Which bears a date later than the date on which the check,! 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