A $3.00 Paper Statement Fee will be imposed every statement cycle in which you receive a paper statement. Examples of these transfers include, but are not limited to: Telephone Transfers - types of transfers -You may access your account by telephone (870) 541-1234 or (877) 245-1234 using your personal identification number (PIN), a touch tone phone and your account numbers, to: ATM Card ATM Transfers - types of transfers and dollar limitations -You may access your account(s) by ATM using your ATM card and personal identification number or Visa Debit Card and personal identification number, to: Some of these services may not be available at all terminals. Funds mailed to the Bank are considered deposited on the day they are received by the Bank. Alternatively, you may choose to have interest paid to you or to another account rather than credited to this account. 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. You understand that your HSA is intended to be used for payment of qualified medical expenses. The owner is responsible for all transactions of the agent. If we accept a power of attorney, the agent(s) may make account transactions on behalf of the account owners. After 12 months of proper account management, the bank may, at the customers request, evaluate the account for another account type. Some activities may not cause your available balance to increase or decrease right away. You also warrant that any substitute check you create conforms to the legal requirements and generally accepted specifications for substitute checks. The person(s) creating this account type reserves the right to: (1) change beneficiaries, (2) change account types, and (3) withdraw all or part of the account funds at any time. After depositing locally, you can transfer the cash deposit to your Schwab account these transfers between banks take about four to five business days, on average. If, through no fault of ours, you do not have enough money in your account to make the transfer. Cash deposits to your account (s) are credited immediately. If we receive returned mail, we may impose a service fee. 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. 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. In all cases, these third party transfers will require you to provide the third party with your account number and bank information. Fees -A $2.00 Paper Statement Fee will be imposed every statement cycle in which you receive a paper statement. 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. 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. 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). Simmons Bank suggests that you consult the Privacy Disclosure on the site for further information. Such services include positive pay or commercially reasonable security procedures. 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. 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. Making sure you have all the support you need, for life. The excess over $5,525 will be available on the fifth business day after the day of your deposit. An IRA account is considered abandoned after a year-end Fair Market Value statement is returned undeliverable or upon failure of the owner to execute the election of payment document by December 31 of the year that he/she becomes age 72. Insert your cash in the envelope and seal it. 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. You agree that we have exercised ordinary care if our automated processing is consistent with general banking practice, even though we do not inspect each item. For example, if you deposit $9,500 of Repaying Overdrafts -- You agree to immediately repay us the amount of any overdraft on your account. We are not responsible for the actions of a fiduciary, including the misuse of funds. However, you can prevent your stop-payment order from expiring by renewing your stop-payment order before the end of the six-month period. If we reclassify your account, your account will be subject to the fees and earnings rules of the new account classification. This arbitration provision is optional. You agree to indemnify us for any loss we may incur as a result of any truncated check transaction you initiate. If the automated teller machine where you are making the transfer does not have enough cash. establish rules to cover transactions or events which the law does not regulate; establish rules for certain transactions or events which the law regulates but permits variation by agreement; and. We will use what is called a substitute (or electronic) deposit slip to post the deposit to your account. Simmons Bank does not provide, and is not responsible for, the web sites content or performance. If the figures are not filled in, please see the insert that is with this disclosure or your periodic statement. Web30-day limit (i.e., dollar amount per 30 days). See your notice of penalty for early withdrawals for additional information. 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. If we become aware of a dispute or claim related to your account, we may, in our sole discretion, freeze your account, place a hold on your account (refuse payment or withdrawal of the funds), or take any other actions described in this section. In addition, if you initiate an arbitration in which you seek relief valued at greater than $10,000 (either to you or to us), the payment of these fees will be governed by the AAA rules. Excluded claims must be resolved by a court with jurisdiction. 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. Further details about these accounts are inside this brochure. You agree to hold us harmless from any claim arising as a result of our exercise of our security interest or right of setoff. WebTo get started, log into online banking and follow these steps: Select My Accounts at the top of the page, then select the account you'd like to view your limit for. Maximum requests you can make per day. Check with your cell phone provider for details on specific fees and charges. Minimum balance to open the account -You must deposit $500.00 to open this account. 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. Minimum balance to obtain the annual percentage yield disclosed You must maintain a minimum balance of $100,000.00 in the account each day to obtain the disclosed annual percentage yield. The Simmons Bank Coin Checking Account gives you UNLIMITED check writing privileges. Savings Accounts If you sign the signature card, otherwise indicate your acceptance of these terms, or open or continue to use the account, you agree to these rules. Dont have a User ID? Restricted transactions as defined in Federal Reserve Regulation GG are prohibited from being processed through this account or relationship. An item may include a check, ACH debit, ATM debit, debit card transaction, bank fee or other item or debit. Second, regardless of whether you are a business or consumer customer, either party may appeal the final award to a three-arbitrator panel pursuant to the AAAs Optional Appellate Rules by providing written notice within 30 days of the award. Withdrawals and other categories of debits are generally posted after credits. Simmons Bank has been named to Forbes magazine's "World's Best Banks" list for a third year running. You agree to hold us harmless from any loss you incur as a result of your decision to withdraw funds in the form of cash. Debit/ATM card limits: Maximum amount of total daily withdrawals and purchases. No ATM Fees + show details Simmons Bank Student Simply Checking APY 0% Monthly Fee None Signup Bonus None No ATM Fees + show details Simmons 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. There are no Monthly Service Charge, Balance Requirements or Maintenance 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. For determining the availability of your deposits, every day is a business day, except Saturdays, Sundays, and federal holidays. There may be other exceptions stated in our agreement with you. 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