Among the debit categories, categories of electronic transactions, such as ATM withdrawals, PIN-based debit card transactions, and signature-based debit card transactions, are generally posted before categories of paper items, such as checks. Interest will be credited to your account every month. If the terminal or system was not working properly and you knew about the breakdown when you started the transfer. The owner may terminate the agency at any time, and the agency is automatically terminated by the death of the owner. 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. 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. As a result, we have no opportunity to review the signatures or otherwise examine the original check or item. For more information about the terms applicable to the availability of Mobile Deposits, refer to the Simmons Bank Terms of Service for Online Banking. Web Initiate transfers of funds between your Arvest Bank checking, money market and savings account(s). You can withdraw interest only on the crediting dates. 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. In such cases, we will notify you, and we will tell you when the funds will be available. We encourage you to agree and tell us in writing of the percentage of the deposit contributed by each of you. We may allow account owners to designate an agent on their account using a power of attorney. 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). We believe a check you deposit will not be paid. Funds from all other check deposits will be available on the fifth business day after the day of your deposit. You agree to hold us harmless from any claim arising as a result of our exercise of our security interest or right of setoff. Your consent is limited to your account, and as authorized by applicable law and regulations. WebLooks like Capital One has a $5,000 daily limit for mobile/ATM check deposits and a $10,000 monthly limit. Indicated below are types of Electronic Fund Transfers we are capable of handling, some of which may not apply to your account. If you tell us orally, we may require that you send us your complaint or question in writing within 10 business days. 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. Withdrawal of interest prior to maturity -The annual percentage yield assumes interest will remain on deposit until maturity. Web 2023 Simmons Bank Privacy policy Member FDIC Equal Housing Lender You will pursue your rights or, at our option, assign them to us so that we may pursue them. Any remaining balances in your Coin Savings account will be paid the Base Rate. Any Electronic Deposit received by Umpqua Bank after its 6:00 p.m. Pacific 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. You will pay any additional reasonable charges for services you request which are not covered by this agreement. If this account is owned by one or more of you as individuals, we may set off any funds in the account against (i) any due and payable debt owed to us by any account owner or (ii) any due and payable debt a partnership owes us now or in the future, to the extent of your liability as a partner for the partnership debt. With VAU your account files will be updated when information changes because of a product upgrade, card expiration, loss or theft, account closure or other changes. 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. If, through no fault of ours, you do not have enough money in your account to make the transfer. 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. If we accept for deposit a check that is drawn on another bank, we may make funds from the deposit available for withdrawal immediately but delay your availability to withdraw a corresponding amount of funds that you have on deposit in another account with us. Nothing in this document is intended to vary our duty to act in good faith and with ordinary care when required by law. You represent that you have the authority to open and conduct business on this account on behalf of the entity. For example, if you deposit $9,500 of 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. Simmons Bank does not provide, and is not responsible for, the web sites content or performance. There are no Monthly Service Charge, Balance Requirements or Maintenance 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. This right of setoffdoes not apply to this account if prohibited by law. WebYou may set up an ATM withdrawal from your checking or savings account that allows ATM access using your Bank of America ATM/debit card. This agreement to arbitrate is intended to be broadly interpreted. Automatically renewable time account -This account will automatically renew at maturity. 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. One of these accounts is a transaction subaccount (e.g., a checking subaccount). An account may not qualify for both Relationship Premiums A and B in any given statement cycle. (Generally, a record is information that is stored in such a way that it can be retrieved and can be heard or read and understood). You should keep this notice for future reference. You agree that the time you have to examine your statement and report to us pursuant to this section will depend on the circumstances, but will not, except as provided in the next paragraph, exceed a total of 30 days from when the statement is first sent or made available to you. This fee will not apply until the primary owner reaches age eighteen (18). 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 we receive a payment order to credit an account you have with us by wire or ACH, we are not required to give you any notice of the payment order or credit. This account may not be transferred or assigned without our prior written consent. Tell us your name and account number (if any). *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. The monthly and daily ATM withdrawal limits per individual can vary greatly by the bank and by the account. WebSimmons Bank is FDIC insured. Your authorization to the third party to make these transfers can occur in a number of ways. You consent in advance to any such recording. Accounts may be opened by a person acting in a fiduciary capacity. 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. 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). Minimum balance to obtain the annual percentage yield disclosed -You must maintain a minimum balance of $500.00 in the account each day to obtain the disclosed annual percentage yield. Our stop-payment cutoff time is one hour after the opening of the next banking day after the banking day on which we receive the item. We may close this account at any time without prior notice to you. This document, along with any other documents we give you pertaining to your account(s), is a contract that establishes rules which control your account(s) with us and related matters. We are not responsible for any unauthorized signature or alteration that would not be identified by a reasonable inspection of the item. You should be aware that anyone holding the item may be entitled to enforce payment against you despite the stop-payment order. Checks made payable to you and drawn on a bank within the United States can be deposited through Mobile Deposit. You must file any lawsuit or arbitration against us within two years after the cause of action arises, unless applicable law or an applicable provision of this agreement or any other agreement between you and us provides for a shorter time. 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 telephone transfer of funds from this account to another account with us, if otherwise arranged for or permitted, may be made by the same persons and under the same conditions generally applicable to withdrawals made in writing. The fee is the lesser of $35 or the annual interest earnings on the account. Other exceptions may also apply, for example, if this is part of an IRA or other tax-deferred savings plan. WebSimmons Bank Kroll Bond Rating Agency ratings shown above were affirmed on March 4, 2022. 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 this arbitration provision only, references to you and your mean the account owners, all authorized or unauthorized users or beneficiaries of the account, each of those persons assignees, heirs, trustees, agents, or other representatives, and if the account owner is a business, the account owners parents, subsidiaries, affiliates, predecessors, successors, assigns, and each of those entities agents and employees. This information will not, however, affect the number of signatures necessary for withdrawal. Visa Account Updater Notice of Right to Opt Out. We may supply any missing indorsement(s) for any item we accept for deposit or collection, and you warrant that all indorsements are genuine. For other changes, we will give you reasonable notice in writing or by any other method permitted by law. 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. Transferred or assigned without our prior written consent when you started the transfer a acting! 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