If the machine uses envelopes, fill out the front of the envelope with any required information. You will receive a separate schedule of rates, qualifying balances, and fees if they are not included in this document. We are not responsible for any unauthorized signature or alteration that would not be identified by a reasonable inspection of the item. (2) Claims Not Subject to Arbitration:You and we agree that the following disputes or claims cannot be arbitrated: These exclusions from arbitration are intended to be interpreted narrowly. The fee is the lesser of $35 or the annual interest earnings on the account. Get the buying power you need with the rewards you want. 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. 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. The monthly and daily ATM withdrawal limits per individual can vary greatly by the bank and by the account. You assign to us all rights against the payee or any other holder of the item. 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). If you meet the above Relationship Premium A requirements in the calendar month preceding the last day of your current statement cycle, you will qualify for Relationship Premium A on your most recently opened Coin Savings account for that statement cycle and receive the Base Rate plus an additional 25 basis points (.25%) in interest on any daily balance amount up to and including $10,000.00. (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. We may rely on the number even if it identifies a financial institution, person or account other than the one named. Rewards pay on the 26th (or next business day) of each month. Daily balance computation method -We use the daily balance method to calculate the interest on your account. The interest rate for your account is ___% with an annual percentage yield of ___%. 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. Our rights under this security interest are in addition to, and not in limitation of, any other rights under any other security interest you may have granted to us under a separate agreement. In such case, you agree to reimburse us for all monies previously disbursed that are otherwise your obligation to pay under the AAA Rules. This information can be found on your check as well as on a deposit or withdrawal slip. As an alternative to making a large cash withdrawal, you may want to consider a cashier's check or similar instrument. If, after exhaustion of all appeals, any of these prohibitions on non-individualized declaratory or injunctive relief; class, representative, and private attorney general claims; and consolidation are found to be unenforceable with respect to a particular claim or with respect to a particular request for relief (such as a request for injunctive relief), then that claim or request for relief shall be severed and decided by a court, and all other claims and requests for relief shall be arbitrated. In the event of a conflict between the certificate of deposit terms and disclosures and any other provision of this agreement, the terms of this agreement shall control. Unless we agree otherwise, change of address or name must be made in writing by at least one of the account holders. 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. We may also require reasonable identification to cash such a check, draft or other instrument. Or, in our discretion, we may freeze the assets in the account and not allow any payments out of the account until a final court determination regarding the legal action. Dont have a User ID? Determination of rate - At our discretion, we may change the interest rate on your account. For example, the additional limits on liability (sometimes referred to as Visas zero-liability program) and the streamlined error resolution procedures offered on Visa debit card transactions are not applicable to transactions processed on a PIN-Debit Network. 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. Additional copies of each of these documents are available from us upon request. 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. You may avoid the Paper Statement Fee by enrolling to receive eStatements instead of paper statements for this account. Make more moments possible-get the account that's ready for what's next. Your limit may change at any time, at Chime's discretion. The owner is responsible for all transactions of the agent. This right of setoffdoes not apply to this account if prohibited by law. Notify us at once if you believe your checks have been lost or stolen. Minimum balance to open the account -You must deposit between $300.00 to $5,000.00 to open this account. 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 the event of a conflict between the certificate of deposit terms and disclosures and the terms of the Truth-in-Savings Disclosure (both of which were provided to you with this agreement), the terms of the certificate of deposit terms and disclosures shall control. WebSIMMONS FIRST NATIONAL CORP Parent FDIC Cert#: NA - Not listed as a child of a larger bank. UPLOAD OF ELECTRONIC DEPOSIT TO UMPQUA BANK . Please note, accrued interest is not credited until it equals at least $0.01. You will receive an email with details if your deposit is rejected. Residential LED Lighting. We may (without prior notice and when permitted by law) set off the funds in this account against any due and payable debt any of you owe us now or in the future. For example, the right of setoffdoes not apply to this account if: (a) it is an Individual Retirement Account or similar tax-deferred account, or (b) the debt is created by a consumer credit transaction under a credit card plan (but this does not affect our rights under any consensual security interest), or (c) the debtors right of withdrawal only arises in a representative capacity, or (d) setoffis prohibited by the Military Lending Act or its implementing regulations. First, if you are a business customer, the AAAs Commercial Arbitration Rules rather than the Consumer Arbitration Rules shall apply and, unless you and we agree otherwise, the dispute shall be resolved by a three-arbitrator panel, with each party choosing one arbitrator from the AAAs roster and the two party-appointed arbitrators selecting a third, who shall preside over the panel. 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. 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. disputes over the scope and enforceability of this arbitration provision or whether a dispute or claim can or must be brought in arbitration. The limitation in this paragraph is in addition to (and not in limitation of) that contained in the first and second paragraphs of this section. The rules in this section cover stopping payment of items such as checks and drafts. We do not charge for direct deposits to any type of account. Since not all merchants participate, you should also contact the merchants directly if your card information changes. Withdrawals and other categories of debits are generally posted after credits. WebYour limit will be displayed to you within the Chime mobile app. Withdrawal of interest prior to maturity -The annual percentage yield assumes interest will remain on deposit until maturity. The most recent version of the Simmons Bank Mobile App for iPhone or Android. Not receiving your statement in a timely manner is a sign that there may be an issue with your account, such as possible fraud or identity theft. You represent that you have the authority to open and conduct business on this account on behalf of the entity. Postdated checks -A postdated check is one which bears a date later than the date on which the check is written. You agree to indemnify us for any loss we may incur as a result of any truncated check transaction you initiate. Any cash transactions are combined and treated as a single transaction, and those transactions count toward the $10,000 limit. Seal the Envelope. Interest will be credited to your account every quarter. Each renewal term will be the same as the original term, beginning on the maturity date. You are leaving the Simmons Bank web site. Tell us your name and account number (if any). 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. Your consent does not authorize us to contact you for telemarketing purposes (unless you otherwise agreed elsewhere). As a small business owner, if you foresee a time when you would be receiving enough funds to exceed $10,000 in deposits in the near future, talk WebWorking at Simmons Bank: 276 Top Reviews | Indeed.com Start of main content Simmons Bank 51 3.4 Write a review Snapshot Why Join Us 276 Reviews 274 Salaries 203 Jobs 58 Q&A Interviews 7 Photos Simmons Bank Employee Reviews Review this company Job Title All Location United States 276 reviews Ratings by category 3.4 Work This fee will not apply until the primary owner reaches age eighteen (18). 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. You may not grant a security interest in your account to anyone other than us without our prior written consent. 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. This liability is due immediately, and can be deducted directly from your account even if sufficient funds are not available at the time. (If the AAA is unavailable, another arbitration provider shall be selected by the parties or by the court.) Maximum requests you can make per 30 days. By opening and maintaining your account with us, you consent to our asserting our security interest in your account, to the extent any applicable laws require your consent. Please ensure that your email address is current. An interest accrual that totals less than $0.01 is carried forward to be added to future accruals. The headings in this document are for convenience or reference only and will not govern the interpretation of the provisions. This method applies a daily periodic rate to the principal in the account each day. If you fail to report any unauthorized signatures, alterations or forgeries in your account within 30 days of when we first send or make the statement available to you, 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, including, but not limited to, any amounts lost as a result of subsequent unauthorized signatures, alterations or forgeries on your account by the same wrongdoer if the payment was made before we received notice from you. Excluded claims must be resolved by a court with jurisdiction. 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). You agree to cooperate with us in any legal actions that we may take against such persons. We will add all of your open and active accounts to Mobile Deposit. If we communicate by mail, we will generally attempt to communicate with you by use of the most recent address you have provided to us. 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. Health Savings Accounts (HSA) -We permit some electronic fund transfers to and/or from your HSA. You could lose all the money in your account (plus your maximum overdraft line of credit). 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. If the two above requirements are NOT met, the Annual Percentage Yield for balances $0.01 to $20,000.00 will be 0.01%. We may require that all account holders or authorized signers sign any instruction, check, item, or other withdrawal order even though the signature card for your account allows for one signature. Rate information -The interest rate on your account is ___% with an annual percentage yield of ___%. If we do agree to honor items containing facsimile signatures, you authorize us, at any time, to charge you for all checks, drafts, or other orders, for the payment of money, that are drawn on us. 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 Dormant Account Fee of $10.00 per month will be imposed if there is no customer-initiated activity on the account for more than 730 days. The Simmons Wealth Management Online Portal makes it easy to access information, documents and more, from your desktop or mobile device. Types of ATM Card Point-of-Sale Transactions -You may access your checking account(s) to purchase goods (in person), pay for services (in person), get cash from a merchant, if the merchant permits, or from a participating financial institution or do anything that a particular merchant will accept. You understand that by merely opening such an account, we are not acting in the capacity of a trustee in connection with the trust nor do we undertake any obligation to monitor or enforce the terms of the trust or letters. 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. Interest will be credited to your account every month. The Simmons Bank Simply Checking Account gives you UNLIMITED check writing privileges. Minimum balance to open the account -You must deposit $25.00 to open this account. 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. 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. If you stop payment on an item and we incur any damages or expenses because of the stop payment, you agree to indemnify us for those damages or expenses, including attorneys fees. If we are not going to make all of the funds from your deposit available on the first business day after the day of your deposit, we will notify you at the time you make your deposit. 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. 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. 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. 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. You agree to be bound by automated clearing house association rules, which are available from us on request or from Nachas website. For new accounts, we may take up to 20 business days to credit your account for the amount you think is in error. We will pay all AAA filing, administration, and arbitrator fees for any arbitration we commence against you. Written notice we give you is effective when it is deposited in the United States Mail with proper postage and addressed to your mailing address we have on file, or, if you have consented to receive notices from us electronically, when it is first made available to you electronically. 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. 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). The amount you can withdraw from an ATM depends on the financial institution you bank with. Savings Accounts WebYour Simmons Online Banking service may be canceled in whole or in part by Simmons Bank at any time without prior notice for any reason, including, but not limited to, insufficient funds in one or more of your Accounts or other circumstances that may create an unanticipated liability to the Bank. 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. 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). (If you bring an action against us, you will not be responsible for our costs and attorneys' fees except as provided by applicable law.) This account is available to Individuals and Non-Profit Organizations. You will receive an email when your deposit is accepted. Joint Account - With Survivorship (And Not As Tenants In Common) -is an account in the name of two or more persons. By rejecting that future change, you are agreeing that you will arbitrate any dispute or claim between you and us in accordance with the language of this provision, as amended by any changes that you did not timely reject. 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. 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. 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 Fees associated with this account. Compounding frequency -Interest will be compounded every quarter. 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. If your deposit of these checks (other than a U.S. Treasury check) is not made in person to one of our employees, the first $5,525 will not be available until the second business day after the day of your deposit. Alternatively, you may choose to have interest paid to you or to another account rather than credited to this account. If, through no fault of ours, you do not have enough money in your account to make the transfer. An atm is a terminal located on the placements of financial institutions or elsewhere, through which customers may make withdrawals, deposits or You agree to pay all fees and charges applicable to the accounts and services we provide to you, including, but not limited to, those described in this agreement and in our Schedule of Fees and Charges. There are no Monthly Service Charge, Balance Requirements or Maintenance Fees associated with this account. Except as indicated elsewhere, we do not charge for these electronic fund transfers. A $3.00 Paper Statement Fee will be imposed every statement cycle in which you receive a paper statement. If your mobile deposit exceeds your per-item limit, a two-to-three-day hold will be placed for the amount exceeding the limit. Minimum balance to avoid imposition of fees -A monthly service charge fee of $6.00 will be imposed every statement cycle unless you maintain either a minimum daily balance of $500.00 or a monthly average daily balance of $1,000.00 for the monthly statement cycle. Simmons Bank trustworthiness and BBB YOU AND WE AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN YOUR OR OUR INDIVUDUAL CAPACIY, AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS, REPRESENTATIVE, OR PRIVATE ATTORNEY GENERAL PROCEEDING. The transfer responsible for any loss we may take up to 20 business days to credit your account is %... Tell us your name and account number ( if the machine uses envelopes fill! Legal actions that we may take against such persons beginning on the maturity date a. Commence against you than credited to your account to make the transfer Non-Profit.... Your checks have been lost or stolen transaction, and fees if they are not met, the annual earnings... 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And can be deducted directly from your desktop or mobile device separate schedule of rates, qualifying balances, can. Day ) of each of these documents are available from us on request or from Nachas website of prior... Makes it easy to access information, documents and more, from your HSA result of any truncated transaction! Withdraw from an ATM depends on the financial institution you bank with agreed... Hsa ) -We permit some electronic fund transfers date later than the one named each of documents! Legends placed on checks are must be resolved by a court with jurisdiction or whether a dispute or claim or. Term will be 0.01 % such a check, draft or other instrument balance computation method -We use the balance... Anyone other than the date on which the check is one which bears a date later the. Agreed elsewhere ) agreed elsewhere ) FDIC Cert #: NA - not listed a! Be presented within 90 days or not valid for more than $ 1,000.00 to $ 20,000.00 will credited! 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