Your Simmons Bank debit card will be automatically enrolled in the free Visa Account Updater (VAU) service. Rate information -Your interest rate and annual percentage yield may change. With the above understandings, you authorize us to contact you regarding your account throughout its existence using any telephone numbers or email addresses that you have previously provided to us or that you may subsequently provide to us. Make a payment on your consumer loan. These rules apply to this account depending on the form of ownership and beneficiary designation, if any, specified on the account records. You CANNOT rely on us to pay overdrafts on your account regardless of how frequently or under what circumstances we have paid overdrafts on your account in the past. 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. You assume full responsibility of any loss in the event the cash you withdraw is lost, stolen, or destroyed. Principal withdrawn before maturity is included in the amount subject to early withdrawal penalty. 30-day limit (i.e., dollar amount per 30 days). 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. Unless we agree in writing otherwise, we have no fiduciary duties to you related to the accounts and services we provide to you. 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. 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. All issues are for the arbitrator to decide, except that the court will decide any disputes over the arbitrability of claims. 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. Beginning with the statement cycle in which your account is opened and for each statement cycle thereafter, your Coin Savings account may be eligible to earn either Relationship Premium A, Relationship Premium B, or neither. This agreement is subject to Article 4A of the Uniform Commercial Code - Fund Transfers as adopted in the state of Arkansas. 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. 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. Each of you also agrees to be jointly and severally (individually) liable for any account shortage resulting from fees, charges, or overdrafts, whether caused by you or another with access to this account. A $3.00 Paper Statement Fee will be imposed every statement cycle in which you receive a paper statement. You are leaving the Simmons Bank web site. 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. Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information. If you do not wish to accept it, you must follow the instructions in paragraph (9) below to reject arbitration. 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 Please read this disclosure carefully because it tells you your rights and obligations for the transactions listed. In such cases, we will notify you, and we will tell you when the funds will be available. You may opt in the same way(s) that you can opt out. From there, select the Payments and limit section in the lower-left corner to open it 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. Dont have a User ID? 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. If we decide to do this, we will credit your account within 10 business days (5 business days for Visa- branded Debit Card or ATM Card point-of-sale transactions processed by Visa) for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation. Webbetween you and Umpqua Bank. Mobile deposit is available to Simmons Bank online and mobile banking customers who are at least 18 years of age and have the most recent Simmons Bank App for iPhone or Android. However, there are some exceptions. You must also take precaution in safeguarding your blank checks. Your consent is limited to your account, and as authorized by applicable law and regulations. For more information about the terms applicable to the availability of Mobile Deposits, refer to the Simmons Bank Terms of Service for Online Banking. In that case, we will reverse the credit of the item. We must hear from you no later than 60 days after we sent the FIRST statement on which the problem or error appeared. It is important that you confine the indorsement information to this area since the remaining blank space will be used by others in the processing of the check to place additional needed indorsements and information. This section applies to all transaction accounts, such as checking accounts, and does not apply to savings accounts, time deposits or money market accounts. Additional copies of each of these documents are available from us upon request. If we pay such items, payment will result in a negative available balance on your account and create an overdraft. Minimum balance to open the account -You must deposit between $300.00 to $5,000.00 to open this account. 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. The rules in this section cover stopping payment of items such as checks and drafts. For more details on our posting process, see the section below under the heading Posting Order. All fees for overdrafts and returned items will reduce your available balance and, if your available balance is negative, will reduce your available overdraft limit (if any). To make an ATM deposit, follow these steps: Prepare Your Deposit. To be valid, a Rejection Notice must: (a) include your name, account number, and a statement that you are rejecting the arbitration provision in this Agreement; and (b) be received by us within 30 days after the opening of your account. You agree to indemnify us for any loss we may incur as a result of any truncated check transaction you initiate. 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. Once the funds are available, you can withdraw them in cash and we will use the funds to pay checks that you have written. Images of Checks, Deposits and all other items written on this account WILL NOT be returned with your statements. This account organization will not change the amount of federal deposit insurance available to you, your available balance, the information on your periodic statements, or the interest calculation, if this is an interest-bearing account. Repaying Overdrafts -- You agree to immediately repay us the amount of any overdraft on your account. 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. You may not make any deposits into your account before maturity. Unless we have acted in bad faith, we will not be liable for special or consequential damages, including loss of profits or opportunity, or for attorneys fees incurred by you. The Simmons Bank Coin Checking Account gives you UNLIMITED check writing privileges. We may change this agreement at any time, including by adding new terms or by deleting or amending then-existing terms. The Simmons Wealth Management Online Portal makes it easy to access information, documents and more, from your desktop or mobile device. Each renewal term will be the same as the original term, beginning on the maturity date. You are leaving the Simmons Bank web site. Unless specifically stated in a separate agreement between you and us, we do not have to accept any other electronic or paper image of an original check. Accounts not funded within 45 days of opening will be closed. Other exceptions may also apply, for example, if this is part of an IRA or other tax-deferred savings plan. WebInstant Cash Deposits Deposit up to 10.000 into your account at any Hellenic Bank ATM daily. Any holds associated with your account reduce the available balance. Interest will be credited to your account every month. This information can be found on your check as well as on a deposit or withdrawal slip. You are responsible for notifying us of any change in your address or your name. Unless we agree otherwise, change of address or name must be made in writing by at least one of the account holders. Rate information - Your interest rate and annual percentage yield may change. See the section titled "Your Account" for additional account and rate information. You may make withdrawals of principal from your account before maturity. The Simmons Bank Simply Checking Account gives you UNLIMITED check writing privileges. An item may include a check, ACH debit, ATM debit, debit card transaction, bank fee or other item or debit. As between you and us, if you fail to do either of these duties, you will have to either share the loss with us, or bear the loss entirely yourself (depending on whether we used ordinary care and, if not, whether we substantially contributed to the loss). See the funds availability policy disclosure for information about when you can withdraw funds you deposit. Even if we honor a nonconforming request, we are not required to do so later. 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. 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. Rather, Mobile Deposits will generally be made available by the third business day after the day of your deposit. Generally, Tell us AT ONCE if you believe your card and/or code has been lost or stolen, or if you believe that an electronic fund transfer has been made without your permission using information from your check. 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.
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