Please note, if a transaction shows as pending, it has not settled and posted. Agents have no ownership or rights at death unless also named as Pay-on-Death beneficiaries. Such agencies can, if the law allows, seek relief against you or us on the others behalf. If you meet the above Relationship B requirements in the calendar month preceding the last day of your statement cycle, you will qualify for Relationship Premium B on your most recently opened Coin Savings account for that statement cycle and receive the Base Rate plus an additional 50 basis points (.50%) in interest on any daily balance amount up to and including $10,000.00. Maximum requests you can make per day. Make more moments possible-get the account that's ready for what's next. The fee is the lesser of $35 or the annual interest earnings on the account. Except as provided in paragraph (6) below, the arbitrator shall apply the same substantive law that a court would apply and can award the same individualized remedies (including punitive and statutory damages and statutory attorneys fees and costs) that a court could award under applicable law. 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. Compounding and crediting frequency - Interest will be compounded every month. If, through no fault of ours, you do not have enough money in your account to make the transfer. 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. Making sure you have all the support you need, for life. 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. 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. 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. WebInstant Cash Deposits Deposit up to 10.000 into your account at any Hellenic Bank ATM daily. We will also tell you when the funds will be available. Nor does this arbitration agreement preclude either you or us from exercising self-help remedies (including setoff), and exercising such a remedy is not a waiver of the right to invoke arbitration of any dispute. Any remaining balances in your Coin Savings account will be paid the Base Rate. After the hold has been reduced or removed, you may make deposits into or withdrawals from your account subject to any remaining hold amount. Account is not eligible for overdraft privileges. In addition, we may place limitations on the account until your identity is verified. If you do not do so, or if you have too many overdrafts, we may close your account. Minimum balance to open the account -You must deposit $500.00 to open this account. You will only need to take a picture of the front and bank of the check being deposited. How do you withdraw money without a debit card? If the figures are not filled in, please see the insert that is with this disclosure or your periodic statement. 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. Individual Account -is an account in the name of one person. 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. There is an emergency, such as failure of computer or communications equipment. You could lose all the money in your account (plus your maximum overdraft line of credit). You will be enrolled in eStatements when this account is opened online. As a small business owner, if you foresee a time when you would be receiving enough funds to exceed $10,000 in deposits in the near future, talk 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. You shall upload the Electronic Deposit to us on or before the 6:00 p.m. Pacific Time daily Electronic Deposit cutoff - time established by Umpqua Bank. You will be liable for our costs as well as for our reasonable attorneys fees, to the extent permitted by law, whether incurred as a result of collection or in any other dispute involving your account. You have overdrawn your account repeatedly in the last six months. Non-Visa Debit Transaction Processing -We have enabled non-Visa debit transaction processing. Using an automated process helps us keep costs down for you and all account holders. You will have ten calendar days after maturity to withdraw the funds without a penalty. imomushi8 6 yr. ago You may know that most banks have ATM withdrawal limits. Deposit limits exist, too, although they are 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 banknotes) you can deposit through an ATM. If we decide that there was no error, we will send you a written explanation. 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. Joint Account - With Survivorship (And Not As Tenants In Common) -is an account in the name of two or more persons. In the event of a conflict between the certificate of deposit terms and disclosures and the terms of the Truth-in-Savings Disclosure (both of which were provided to you with this agreement), the terms of the certificate of deposit terms and disclosures shall control. Minimum balance to obtain the annual percentage yield disclosed -You must maintain a minimum balance of $100.00 in the account each day to obtain the disclosed annual percentage yield. Accrual of interest on noncash deposits -Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks). 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. This consent is regardless of whether the number we use to contact you is assigned to a landline, a paging service, a cellular wireless service, a specialized mobile radio service, other radio common carrier service or any other service for which you may be charged for the call. You may obtain the available balance (as of the time of your inquiry) via Simmons Online Banking, Mobile Banking, at an automated teller machine (ATM), at a Simmons Bank branch, or by calling us at (866) 246-2400. Please read this disclosure carefully because it tells you your rights and obligations for the transactions listed. 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. Webbetween you and Umpqua Bank. Minimum balance to open the account -There is no minimum balance to open this account. 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. 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) If the account documentation indicates that this is a temporary account agreement, each person who signs to open the account or has authority to make withdrawals (except as indicated to the contrary) may transact business on this account. 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. 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. (The filing fee currently is $200 but is subject to change by the arbitration provider. 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. WebYour limit will be displayed to you within the Chime mobile app. For any time deposit which earns an interest rate that may vary from time to time during the term, the interest rate we will use to calculate this early withdrawal penalty will be the interest rate in effect at the time of the withdrawal. Your limit may change at any time, at Chime's discretion. Restricted transactions as defined in Federal Reserve Regulation GG are prohibited from being processed through this account or relationship. These indorsement guidelines apply to both personal and business checks. In connection with the posting process, we generally group transactions into two main categories: debits and credits. 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. 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. Those funds will be available at the time funds from the check we cashed would have been available if you had deposited it. 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. Transaction limitations:You may only make in-person deposits into and withdrawals from your account subject to a hold as provided in the Security Agreement and Credit Card Agreement for your Foundation Card. This agreement evidences a transaction in interstate commerce, and thus the Federal Arbitration Act governs the interpretation and enforcement of this provision. We will pay all AAA filing, administration, and arbitrator fees for any arbitration we commence against you. We will use the date the transaction is completed by us (as opposed to the date you initiate it) to apply the frequency limitations. Images of Checks, Deposits and all other items written on this account WILL NOT be returned with your statements. WebMake purchases with your debit card, and bank from almost anywhere by phone, tablet or computer and more than 16,000 ATMs and more than 4,700 branches. 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