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. Unless required by law or we have agreed otherwise in writing, we are not required to act upon instructions you give us via facsimile transmission or leave by voice mail or on a telephone answering machine. If you fail to report any unauthorized signatures, alterations or forgeries in your account within 60 days of when we first send or make the statement available, 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. In determining whether you are entitled to the minimum $500 recovery, the arbitrator shall not consider amounts offered or awarded for attorneys fees or costs. Please remember that even after we have made funds available to you, and you have withdrawn the funds, you are still responsible for checks you deposit that are returned to us unpaid and for any other problems involving your deposit. 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. 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. Nor are we responsible for ensuring your eligibility for making contributions or ensuring withdrawals are used for payment or reimbursement of qualified medical expenses. Subject to federal and state law, we may monitor or record telephone calls for security reasons, to maintain a record and to ensure that you receive courteous and efficient service. If we are presented with an item drawn against your account that would be a substitute check, as defined by law, but for an error or defect in the item introduced in the substitute check creation process, you agree that we may pay such item. BauerFinancial Star-Rating system utilizes a scale of zero stars (lowest) to five Your account is considered a new account for the first 30 days after the first deposit is made, unless each of you already has an established account with us before this account is opened. A minimum of $0.01 must be deposited within 45 days of account opening. Notice of Changes to Funds Availability Policy. Daily balance computation method - We use the daily balance method to calculate the interest on your account. If you are unable to pay this fee, we will pay it directly upon receiving a written request at the Notice Address.) You may avoid the Paper Statement Fee by enrolling to receive eStatements instead of paper statements for this account. 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. Again, this is determined by the bank or credit unionthere is no standard daily ATM 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. There are no limitations on the frequency or timing of additional deposits, except that no additions can be made in the last seven days before maturity. 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). 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. This arbitration provision shall survive termination of this Agreement. We can refuse to accept substitute checks that have not previously been warranted by a bank or other financial institution in conformance with the Check 21 Act. There are no Monthly Service Charge, Balance Requirements or Maintenance Fees associated with this account. Minimum balance to open the account - You must deposit $10,000.00 to open this account. Compounding and crediting frequency - Interest will be compounded every month. Joint Account - No Survivorship (As Tenants In Common) -is owned by two or more persons, but none of you intend (merely by opening this account) to create any right of survivorship in any other person. 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. 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. If we are required for any reason to reimburse the federal government for all or any portion of a benefit payment that was directly deposited into your account, you authorize us to deduct the amount of our liability to the federal government from the account or from any other account you have with us, without prior notice and at any time, except as prohibited by law. 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. You assume full responsibility of any loss in the event the cash you withdraw is lost, stolen, or destroyed. Some business size checks (the long ones) do not work with Mobile Deposit. If the two above requirements are NOT met, the Annual Percentage Yield for balances $0.01 to $20,000.00 will be 0.01%. As you look at the front of a check, the trailing edge is the left edge. Yes. *Visa Rules generally definePIN-Debit Networkas a non-Visa debit network that typically authenticates transactions by use of a personal identification number (PIN) but that is not generally known for having a card program. Minimum balance to open the account -There is no minimum balance to open this account. 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. If you have an overdraft line and the transfer would go over the credit limit. Unless we agree in writing otherwise, we have no fiduciary duties to you related to the accounts and services we provide to you. 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. It often takes a couple of days for the check to clear and for you to Joint Account - With Survivorship (And Not As Tenants In Common) -is an account in the name of two or more persons. The Notice must (a) include your name and account number; (b) describe the nature and basis of the claim or dispute; and (c) set forth the specific relief sought. This information can be found on your check as well as on a deposit or withdrawal slip. Check with your cell phone provider for details on specific fees and charges. 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. 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. If we do agree to honor items containing facsimile signatures, you authorize us, at any time, to charge you for all checks, drafts, or other orders, for the payment of money, that are drawn on us. Minimum balance to open the account -You must deposit $25.00 to open this account. imomushi8 6 yr. ago 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. This account is available to Individuals. A $3.00 Paper Statement Fee will be imposed every statement cycle in which you receive a paper statement. We will not be liable for any items that are dishonored as a consequence of placing a freeze or hold on funds in your account or taking other actions described in this section. Pay-On-Death Account You may create a Pay-On-Death account by designating one or more Pay-On-Death beneficiaries. 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 you have complied with the requirements of this paragraph and the arbitrator awards you an amount of money that exceeds the value of our last written settlement to you before the appointment of the arbitrator, then we will pay you $500 in lieu of any smaller award. 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. Savings Accounts Each of you intend that when you die, the funds in the account (subject to any previous pledge to which we have agreed) will belong to the survivor(s). We believe a check you deposit will not be paid. 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. 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. If your account has an original maturity of less than one year: The fee imposed will equal 180 days interest on the amount withdrawn. You may avoid the Paper Statement Fee by enrolling to receive eStatements instead of paper statements for this account. You may opt in the same way(s) that you can opt out. You cannot directly access the nontransaction subaccount, but you agree that we may automatically, and without a specific request from you, initiate individual transfers of funds between subaccounts from time to time at no cost to you. If your Rejection Notice complies with these requirements, this arbitration provision will not apply to you with respect to any claims that you or we commence in litigation or arbitration after we receive your Rejection Notice. Positive pay and other fraud prevention services -Except for consumer electronic fund transfers subject to Regulation E, you agree that if we offer you services appropriate for your account to help identify and limit fraud or other unauthorized transactions against your account, and you reject those services, you will be responsible for any fraudulent or unauthorized transactions which could have been prevented by the services we offered. These are the accounts you have opened or inquired about. How do you withdraw money without a debit card? Your account consists of two subaccounts. Any Electronic Deposit received by Umpqua Bank after its 6:00 p.m. Pacific This account IS NOT available to Business or Commercial customers. This account IS NOT available to Business, Commercial or Organization customers. You may make unlimited deposits into your account. The excess over $5,525 will be available on the fifth business day after the day of your deposit. A fiduciary is someone who is appointed to act on behalf of and for the benefit of another. In that case, we will reverse the credit of the item. Funds mailed to the Bank are considered deposited on the day they are received by the Bank. Once the funds are available, you can withdraw them in cash and we will use the funds to pay checks that you have written. Checks made payable to you and drawn on a bank within the United States can be deposited through Mobile Deposit. We will pay all AAA filing, administration, and arbitrator fees for any arbitration we commence against you. Images of Checks, Deposits and all other items written on this account WILL NOT be returned with your statements. Select the account where the deposit should credit, enter the amount of the check and take a picture of the front and back of the check. The most recent version of the Simmons Bank Mobile App for iPhone or Android. Indorsements must be made in blue or black ink, so that they are readable by automated check processing equipment. Frequency of rate changes -We may change the interest rate on your account at any time. An account may not qualify for both Relationship Premiums A and B in any given statement cycle. ATM Operator/Network Fees -When you use an ATM not owned by us, you may be charged a fee by the ATM operator or any network used (and you may be charged a fee for a balance inquiry even if you do not complete a fund transfer). 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. An interest accrual that totals less than $0.01 is carried forward to be added to future accruals. We may refuse to accept the designation of an agent. 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. Telephoning is the best way of keeping your possible losses down. 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. Like any standard check or draft, a remotely created check (sometimes called a telecheck, preauthorized draft or demand draft) is a check or draft that can be used to withdraw money from an account. SAIF Insured: No State Chartered: Yes Financial Snapshot (updated periodically) Assets: $27023423 Deposits: $22244461 Deposits Held Domestically: $22244461 Equity Capital: $3361781 Net Income: $198117 FDIC Oversight FDIC Region: This method applies a daily periodic rate to the principal in the account each day. Subject to normal approval procedures, we may allow you to deposit additional funds to your account in order to increase your credit limit for your Foundation Card. If you violate the stated transaction limitations (if any), in our discretion we may close your account or reclassify it as a transaction account. 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. Online copies of our terms and conditions are provided only as a courtesy and convenience to you. We may rely on the number even if it identifies a financial institution, person or account other than the one named. Minimum balance to open the account -You must deposit $100.00 to open this account. Account Movement WebYour Simmons Online Banking service may be canceled in whole or in part by Simmons Bank at any time without prior notice for any reason, including, but not limited to, insufficient funds in one or more of your Accounts or other circumstances that may create an unanticipated liability to the Bank. You will only need to take a picture of the front and bank of the check being deposited. Please note, accrued interest is not credited until it equals at least $0.01. In connection with the posting process, we generally group transactions into two main categories: debits and credits. 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. A freeze or hold placed on your account may be for any period of time we believe reasonably necessary to allow a legal proceeding to determine the merits of the claim or until we receive evidence satisfactory to us that the dispute has been resolved. Simmons Bank trustworthiness and BBB Your entire indorsement (whether a signature or a stamp) along with any other indorsement information (e.g. If, through no fault of ours, you do not have enough money in your account to make the transfer. This method applies a daily periodic rate to the principal in the account each day. Electronic Fund Transfers Initiated By Third Parties -You may authorize a third party to initiate electronic fund transfers between your account and the third partys account. Case-by-case delays -In some cases, we will not make all of the funds that you deposit by check available to you on the first business day after the day of your deposit. Do not discuss, compare, or share information about your account number(s) with anyone unless you are willing to give them full use of your money. You consent in advance to any such recording. In the event a special CD term is offered, the CD will renew at the term closest to the CD special term. 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. 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. Additional limitations on our obligation to stop payment are provided by law (e.g., we paid the item in cash or we certified the item). This right of setoffdoes not apply to this account if prohibited by law. The limitation in this paragraph is in addition to (and not in limitation of) that contained in the first and second paragraphs of this section. We may do these things even if the legal action involves less than all of 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. This section applies to all transaction accounts, such as checking accounts, and does not apply to savings accounts, time deposits or money market accounts. The purpose of this document is to: If any provision of this document is found to be unenforceable according to its terms, all remaining provisions will continue in full force and effect. Balances of $20,000.01 and over will earn an Annual Percentage Yield of 0.01% when the above requirements are met. (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. For example, your authorization to convert a check to an electronic fund transfer or to electronically pay a returned check charge can occur when a merchant provides you with notice and you go forward with the transaction (typically, at the point of purchase, a merchant will post a sign and print the notice on a receipt). 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. Compounding and crediting frequency -Interest will be compounded every month. You will pay any additional reasonable charges for services you request which are not covered by this agreement. WebIf your mobile deposit exceeds your per-item limit, a two-to-three-day hold will be placed for the amount exceeding the limit. WebNew Customer Limits: Online transfers are limited to a maximum of: $100,000 per transaction; $100,000 per day; $150,000 per month; New Customers can make up to six You will not be permitted to withdraw funds from your account that will cause the balance to fall below the hold amount which is equal to your Foundation Card credit limit. You agree that the time you have to examine your statement and items and report to us will depend on the circumstances. After depositing locally, you can transfer the cash deposit to your Schwab account these transfers between banks take about four to five business days, on average. 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. 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.
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