Also, we may report to consumer reporting agencies your overdrafts and your failure to repay them, and we may commence collection activities (in addition to any other legal remedy we may have). 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. We may determine the available balance in your account for the purpose of deciding whether to return an item for insufficient funds at any time between the time we receive the item and when we return the item or send a notice in lieu of return. If you have any difficulties, please email support@simmonsbank.com or call us at 1-866-246-2400. Create one here.Forgot User ID or Password? WebIf your mobile deposit exceeds your per-item limit, a two-to-three-day hold will be placed for the amount exceeding the limit. Non-Visa Debit Transaction Processing -We have enabled non-Visa debit transaction processing. The owner is responsible for all transactions of the agent. claims arising from bodily injury or death; claims seeking only individualized relief asserted by you or us in small claims court, so long as the action remains in that court and is not removed or appealed to a court of general jurisdiction, in which case either party may elect arbitration; claims to collect or challenge debts owed pursuant to an extension of credit under a separate agreement or note (such as a separate loan agreement, promissory note, or bank card agreement), in which case the dispute over the debt shall be governed by the dispute-resolution procedures set forth in that separate agreement or note; and. Funds from deposits of cash, wire transfers, and the first $5,525 of a days total deposits of cashiers, certified, tellers, travelers, and federal, state and local government checks will be available on the first business day after the day of your deposit if the deposit meets certain conditions. 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. Simmons Bank does not provide, and is not responsible for, the web sites content or performance. Withdrawals from a time account prior to maturity or prior to any notice period may be restricted and may be subject to penalty. Unless you and we agree otherwise, any arbitration hearings will take place in the county of your address on file with your account. To process the deposit, we will verify and record the deposit, and credit the deposit to the account. 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. We will have a reasonable period of time to investigate the facts and circumstances surrounding any claim of loss. Such agencies can, if the law allows, seek relief against you or us on the others behalf. 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. 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. The fee imposed will equal 360 days interest on the amount withdrawn. We believe a check you deposit will not be paid. This account is available to Individuals and Non-Profit Organizations. We may supply any missing indorsement(s) for any item we accept for deposit or collection, and you warrant that all indorsements are genuine. The other is a nontransaction subaccount (e.g., a savings account). These indorsement guidelines apply to both personal and business checks. You will pay any additional reasonable charges for services you request which are not covered by this agreement. 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. Compounding and crediting frequency - Interest will be compounded every month. Frequency of rate changes -We may change the interest rate on your account at any time. If you deliver a deposit to us and you will not be present when the deposit is counted, you must provide us an itemized list of the deposit (deposit slip). Compounding and crediting frequency -Interest will be compounded every month. 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. Make balance inquiries on your Arvest Bank checking, money market and savings account(s). Please note, accrued interest is not credited until it equals at least $0.01. imomushi8 6 yr. ago Pay-On-Death Account You may create a Pay-On-Death account by designating one or more Pay-On-Death beneficiaries. If the automated teller machine where you are making the transfer does not have enough cash. You can also see the status of your deposit in our app. A $3.00 Paper Statement Fee will be imposed every statement cycle in which you receive a paper statement. We are not responsible for transactions by mail or outside depository until we actually record them. Time requirements -Your account will mature ___. 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. We may rely on the number even if it identifies a financial institution, person or account other than the one named. Account is not eligible for overdraft privileges. Go digital with our top-rated mobile app. For information on errors relating to consumer electronic fund transfers governed by Regulation E refer to your Electronic Fund Transfers disclosure and the sections on consumer liability and error resolution. We may close your account and impose the early withdrawal penalty on the entire account balance in the event of a partial early withdrawal. Seal the Envelope. 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. The Simmons Bank Coin Checking Account gives you UNLIMITED check writing privileges. Indorsements must be made in blue or black ink, so that they are readable by automated check processing equipment. make payments from checking or savings to loan accounts with us, the balance of checking or savings account(s), get credit card information at (870) 541-1240 or (800) 272-2102, Voice Response Transfers are limited to primary ownership account(s), make deposits to checking or savings account(s) with an ATM or debit card, get cash withdrawals from checking or savings account(s) with an ATM or debit card, you may withdraw no more than $500.00 per calendar day, transfer funds from savings to checking account(s) with an ATM or debit card, transfer funds from checking to savings account(s) with an ATM or debit card, the balance of your checking or savings account(s), obtain cash advances from your credit cards, you may not exceed $10,000.00 in transactions per calendar day, if available, make payments from checking or savings to loan account(s) with us, the balance of checking or savings account(s). WebSimmons Bank ATMs. This agreement evidences a transaction in interstate commerce, and thus the Federal Arbitration Act governs the interpretation and enforcement of this provision. Box 7009, Pine Bluff, AR 71611. If you have any questions, please call us. However, the first $225 of your deposits will be available on the first business day after the day of your deposit. Make a payment on your consumer loan. Limitations on the number of telephonic transfers from a savings account, if any, are described elsewhere. We must receive the notice in time for us to have a reasonable opportunity to act on it, and you must tell us the precise date of the check, amount, check number and payee. Any remaining balances in your Coin Savings account will be paid the Base Rate. A $3.00 Paper Statement Fee will be imposed every statement cycle in which you receive a paper statement. The Notice to you will be sent to your address on file with your account. See the funds availability policy disclosure for information about when you can withdraw funds you deposit. We will use what is called a substitute (or electronic) deposit slip to post the deposit to your account. We are not responsible for any unauthorized signature or alteration that would not be identified by a reasonable inspection of the item. We may rely on the information in that confirmation unless you notify us immediately of any errors. The fact that, in the past, we may have paid items that created overdrafts or returned items that would have overdrawn your account does not obligate us to do the same in the future. 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. Please ensure that your email address is current. If there is a cross-appeal, the costs shall be borne equally by both sides, subject to reallocation by the panel in its final award as justice or otherwise applicable law requires. (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. This also includes any action that you or a third party takes regarding the account that causes us, in good faith, to seek the advice of an attorney, whether or not we become involved in the dispute. 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. 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. If you are a new customer, the following special rules will apply during the first 30 days your account is open. 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. You agree that, as to these or any items as to which we have no opportunity to examine the signatures, you waive any requirement of multiple signatures. 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. as explained in the separate Privacy Disclosure. Minimum balance to open the account -You must deposit $10.00 to open this account. Simmons Bank does not provide, and is not responsible for, the web sites content or performance. A service charge fee of $10.00 will be charged each monthly statement cycle or a service charge of $8.00 will be imposed every monthly statement cycle if the account has a direct deposit during that monthly statement cycle. 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. 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. 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. If two or more of you create such an account, all of you own the account jointly with survivorship. For more information about the terms applicable to the availability of Mobile Deposits, refer to the Simmons Bank Terms of Service for Online Banking. 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