Please refer to Internal Revenue Service (IRS) guidelines regarding any eligibility requirements for deposits to Health Savings Accounts. WebTeller deposits after 6:00 p.m. and Peapack-Gladstone Bank ATM deposits after 3:00 p.m. will be credited on the next business day. We may change this agreement at any time, including by adding new terms or by deleting or amending then-existing terms. A fiduciary is someone who is appointed to act on behalf of and for the benefit of another. 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). 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. Rate Information - Your interest rate and annual percentage yield may change. 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. (1) Claims Subject to Arbitration:Except as specified in paragraph (2) below,any dispute or claimbetween you and us must be arbitrated if either party elects arbitration of that dispute or claim. For new accounts, we may take up to 20 business days to credit your account for the amount you think is in error. If we need more time, however, we may take up to 45 days to investigate your complaint or question. Within the debit and credit categories, we further generally subcategorize and post transactions by category/subcategory. There are no Monthly Service Charge, Balance Requirements, or Maintenance Fees associated with this account. Depending on the type of check that you deposit, funds may not be available until the second business day after the day of your deposit. Residential LED Lighting. 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. 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. imomushi8 6 yr. ago 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. Fifty (50) foreign deposited items and fifty (50) on us deposited items may be made at no charge in each monthly statement cycle. A $3.00 Paper Statement Fee will be imposed every statement cycle in which you receive a paper statement. Unless we have agreed in writing, we are not responsible for any losses, claims, damages, or expenses that result from your placement of these restrictions or instructions on your checks. (7) Future Changes to Arbitration Provision:Notwithstanding any provision in this Agreement to the contrary, you and we agree that if we make any future change to this arbitration provision (other than a change to the Notice Address), you may reject that change by sending us written notice within 30 days of the change to the Notice Address provided above. Minimum balance to open the account -You must deposit between $300.00 to $5,000.00 to open this account. Please note, if a transaction shows as pending, it has not settled and posted. Failure to examine your statement and items and report any errors or problems to us within 60 days of when we first send or make the statement available precludes you from asserting a claim against us for any errors or problems related to items or other matters identified in that statement and as between you and us the loss will be entirely yours. BauerFinancial Star-Rating system utilizes a scale of zero stars (lowest) to five The electronic fund transfers we permit are offered for the convenience of managing your HSA. This agreement is subject to applicable federal laws, the laws of the state of Arkansas and other applicable rules such as the operating letters of the Federal Reserve Banks and payment processing system rules (except to the extent that this agreement can and does vary such rules or laws). Early withdrawal penalties(a penalty will be imposed for withdrawals before maturity): In certain circumstances such as the death or incompetence of an owner of this account, the law permits, or in some cases requires, the waiver of the early withdrawal penalty. (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. So I'd imagine if it's over $5,000 they'll probably need to have you come in and see a human. We must hear from you no later than 60 days after we sent the FIRST statement on which the problem or error appeared. 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. You are responsible for notifying us of any change in your address or your name. 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 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. You will notify law enforcement authorities of any criminal act related to the claim of lost, missing, or stolen checks or unauthorized withdrawals. You consent in advance to any such recording. 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. 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. 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. For this reason, we are not required to honor any restrictive legend or indorsement or other special instruction placed on checks you write unless we have agreed in writing to the restriction or instruction. You can withdraw interest only on the crediting dates. Your entire indorsement (whether a signature or a stamp) along with any other indorsement information (e.g. This means that we do not individually examine all of your items to determine if the item is properly completed, signed and indorsed or to determine if it contains any information other than what is encoded in magnetic ink. If this account is owned by a corporation, partnership or other organization, individual liability is determined by the laws generally applicable to that type of organization. If we close your account, we will provide reasonable notice to you and tender the funds in the account personally or by mail. If you violate the stated transaction limitations (if any), in our discretion we may close your account or reclassify it as a transaction account. We must receive it in time to have a reasonable opportunity to act on it. where it is necessary for completing transfers; or, in order to verify the existence and condition of your account for a third party, such as a credit bureau or merchant; or, in order to comply with government agency or court orders; or. However, this time period shall not exceed 60 days. 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. You can also ask us if we have other account services that might be available to you where we agree to pay overdrafts under certain circumstances, such as an overdraft protection line-of-credit or a plan to sweep funds from another account you have with us. Create one here.Forgot User ID or Password? If you wish to make a contribution for the Previous Tax Year, it must be designated as a Prior Year Contribution at the time of your deposit. Indorsements must be made in blue or black ink, so that they are readable by automated check processing equipment. 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. Interest will be credited to your account every month. 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. You agree to retain the original check in conformance with our internal policy for retaining original checks. 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. The Simply Youth Savings account will convert to a Simply Savings account when the primary owner turns 18. Please click here to change/reset your username or password. A dispute or claim includes, but is not limited to, (1) others claiming an interest as survivors or beneficiaries of your account; (2) a claim arising by operation of law; (3) a dispute between you and another joint owner, you and an authorized signer or similar party; (4) a third party claiming an interest in your account; or (5) any other claim adverse to your own interest. If you are a consumer customer, the same switch to the Commercial Arbitration Rules and a three-arbitrator panel shall apply if both you and we agree. Compounding and crediting frequency -Interest will be compounded every month. 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 may accept for deposit any item payable to you or your order, even if they are not indorsed by you. Simmons Bank has been named to Forbes magazine's "World's Best Banks" list for a third year running. Savings accounts have a limit on WebYour limit will be displayed to you within the Chime mobile app. 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. This account may not be transferred or assigned without our prior written consent. 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. 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. For more information about the terms applicable to the availability of Mobile Deposits, refer to the Simmons Bank Terms of Service for Online Banking. Truth-In-Savings Disclosure Affordable Advantage Checking Account Minimum balance to open the account - You must deposit $25.00 to open this account. There are no Monthly Service Charge, Balance Requirements or Maintenance Examples of restrictive legends placed on checks are must be presented within 90 days or not valid for more than $1,000.00. The payees signature accompanied by the words for deposit only is an example of a restrictive indorsement. Fees -A $2.00 Paper Statement Fee will be imposed every statement cycle in which you receive a paper statement. You authorize us to deduct all such fees and charges, without notice to you, directly from your account as accrued. Postdated checks -A postdated check is one which bears a date later than the date on which the check is written. Multiple requests for payment --If we return an item, the party that presented the item for payment might have the right to make a second or subsequent request for payment. Find Nearest ATM Find an ATM on the go with our mobile app The BOK Financial mobile app can show you the closest ATM to your location and give you directions when you're on the go. Beneficiaries cannot withdraw unless: (1) all persons creating the account die, and (2) the beneficiary is living when the last person who created the account dies. We may supply any missing indorsement(s) for any item we accept for deposit or collection, and you warrant that all indorsements are genuine. Automatically renewable time account -This account will automatically renew at maturity. This information can be found on your check as well as on a deposit or withdrawal slip. 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 fee imposed will equal 360 days interest on the amount withdrawn. The Save10 Youth Savings account will convert to a Simply Savings account when the primary owner turns 18. 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. We will add all of your open and active accounts to Mobile Deposit. Funds from electronic direct deposits to your account will be available on the day we receive the deposit. You will pay any additional reasonable charges for services you request which are not covered by this agreement. Notice to any of you is notice to all of you. A transaction may affect the available balance of your account prior to the time it is posted to your account. We may require the governing body of the entity opening the account to give us a separate authorization telling us who is authorized to act on its behalf. In all cases, these third party transfers will require you to provide the third party with your account number and bank information. 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. 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. The report card benefit will be paid at the close of the calendar school year and proof of grades should be submitted within 30 days of end-of-year (May/June) report card. Who do I call if I still have questions? Rate information -The interest rate on your account is ___% with an annual percentage yield of ___%. WebSIMMONS FIRST NATIONAL CORP Parent FDIC Cert#: NA - Not listed as a child of a larger bank. Accounts not funded within 45 days of account opening will be closed. Unless prohibited by law, we also reserve the right to charge back to your account the amount of any item deposited to your account or cashed for you which was initially paid by the payor bank and which is later returned to us due to an allegedly forged, unauthorized or missing indorsement, claim of alteration, encoding error or other problem which in our judgment justifies reversal of credit (for example, a counterfeit cashier's check). Yes. Your account consists of two subaccounts. 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). All deposits to this account WILL be considered Current Year Contributions, UNLESS otherwise specified by the account owner. Checks made payable to you and drawn on a bank within the United States can be deposited through Mobile Deposit. 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. Accounts not funded within 45 days of opening will be closed. 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. If we receive returned mail, we may impose a service fee. 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. Minimum balance to open the account -You must deposit $50.00 to open this account. In the event a special CD term is offered, the CD will renew at the term closest to the CD special term. 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. These transfers to make or receive payment may be one-time occurrences or may recur as directed by you. We may decide to pay an item even if the available balance of your account is already negative. 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. 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, 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. Box 7009, Pine Bluff, AR 71611. You will receive a separate schedule of rates, qualifying balances, and fees if they are not included in this document. Web30-day limit (i.e., dollar amount per 30 days). For example, if you deposit $9,500 of This information will not, however, affect the number of signatures necessary for withdrawal. Your limit may change at any time, at Chime's discretion. Interest will be calculated on the same basis as during the original term. Using an automated process helps us keep costs down for you and all account holders. Dont have a User ID? If you have any questions, please call us. 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 agree to cooperate with us in any legal actions that we may take against such persons. Secure Cheque Deposits Safely and conveniently deposit your cheque (s) into your account using our ATM at any time of the day. 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. Simmons Bank Mobile Deposit allows you to deposit checks to any of your Simmons Bank checking or savings accounts using the camera on your smartphone or tablet. You should be aware that anyone holding the item may be entitled to enforce payment against you despite the stop-payment order. Get the buying power you need with the rewards you want. Maximum requests you can make per day. Further, unless both you and we agree otherwise, the arbitrator may not consolidate the claims of more than one person (except for the claims of co- or joint account owners pertaining to that account), and may not otherwise preside over any form of a representative, class, or private attorney general proceeding. Visa Account Updater Notice of Right to Opt Out. 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. 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. You will not see any difference between the way your account operates and the way a traditionally organized account operates, but this organization makes us more efficient. Make a payment on your consumer loan. We make no representations as to the appropriateness or effect of the ownership and beneficiary designations, except as they determine to whom we pay the account funds. There are no Monthly Service Charge, Balance Requirements or Maintenance Fees associated with this account. Interest will be credited to your account every month. If two or more of you survive, you will own the funds in the account as joint tenants with survivorship and not as tenants in common. 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. Unless it would be inconsistent to do so, words and phrases used in this document should be construed so the singular includes the plural and the plural includes the singular. To deduct all such fees and charges, without notice to you and all account holders the it! We must hear from you no later than the date on which the problem or error appeared written consent black. Which you receive a separate schedule of rates, qualifying balances, and fees if they are not indorsed you. 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