Once you verify that the funds have been applied to your account correctly, you should shred the check. Box 6609Pine Bluff, AR 71611-6609MORE DETAILED INFORMATION IS AVAILABLE ON REQUEST. Notice of Changes to Funds Availability Policy. You may prevent renewal if you withdraw the funds in the account at maturity (or within the grace period mentioned below, if any) or we receive written notice from you within the grace period mentioned below, if any. A freeze or hold placed on your account may be for any period of time we believe reasonably necessary to allow a legal proceeding to determine the merits of the claim or until we receive evidence satisfactory to us that the dispute has been resolved. 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. We may reverse any provisional credit for items that are lost, stolen, or returned. The Simmons Bank Coin Checking Account gives you UNLIMITED check writing privileges. The owner does not give up any rights to act on the account. For the purpose of charging these fees, our determination of whether your available balance is sufficient to pay an item is made when the item is processed and posted to your account. This agreement is subject to Article 4A of the Uniform Commercial Code - Fund Transfers as adopted in the state of Arkansas. 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. Each of you (until we receive written notice to the contrary) authorizes each other person who signs or has authority to make withdrawals to indorse any item payable to you or your order for deposit to this account or any other transaction with us. 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. 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 Errors relating to electronic fund transfers or substitute checksThis paragraph applies to consumer accounts only. The hold amount may be reduced or removed in certain circumstances, as provided in the Security Agreement and Credit Card Agreement for your Foundation Card. Minimum balance to open the account -There is no minimum balance to open this account. Restricted transactions as defined in Federal Reserve Regulation GG are prohibited from being processed through this account or relationship. DeluxeXL 6 yr. ago You can mail your check if they don't take remote deposits due to the amount. In connection with the posting process, we generally group transactions into two main categories: debits and credits. You are responsible for notifying us of any change in your address or your name. 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. You will only need to take a picture of the front and bank of the check being deposited. An item may be returned after the funds from the deposit of that item are made available for withdrawal. Select the account where the deposit should credit, enter the amount of the check and take a picture of the front and back of the check. It is your responsibility to satisfy any tax liability resulting from use of your HSA for any purpose other than payment or reimbursement of qualified medical expenses. These are the accounts you have opened or inquired about. Principal withdrawn before maturity is included in the amount subject to early withdrawal penalty. Duty to protect account information and methods of access -It is your responsibility to protect the account numbers and electronic access devices (e.g., an ATM card) we provide you for your account(s). M&T cardholders can withdraw up to $1,000 per day from an ATM. The interest rate for your account is ___% with an annual percentage yield of ___%. Savings accounts have a limit on Electronic direct deposits will be available on the day we receive the deposit. The body of state and federal law that governs our relationship with you, however, is too large and complex to be reproduced here. We may determine the available balance in your account for the purpose of deciding whether to return an item for insufficient funds at any time between the time we receive the item and when we return the item or send a notice in lieu of return. 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 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. The Notice to us should be sent by certified mail to: Legal Department, Simmons Bank, P.O Box 7009, Pine Bluff, Arkansas 71611-7009 (Notice Address). Go digital with our top-rated mobile app. Before settlement of any item becomes final, we act only as your agent, regardless of the form of indorsement or lack of indorsement on the item and even though we provide you provisional credit for the item. Health Savings Accounts (HSA) -We permit some electronic fund transfers to and/or from your HSA. 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. A service charge fee of $10.00 will be charged each monthly statement cycle or a service charge of $8.00 will be imposed every monthly statement cycle if the account has a direct deposit during that monthly statement cycle. If the terminal or system was not working properly and you knew about the breakdown when you started the transfer. 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). If you have any difficulties, please email support@simmonsbank.com or call us at 1-866-246-2400. Funds from electronic direct deposits to your account will be available on the day we receive the deposit. (4) Arbitration Procedure:The arbitration will be governed by the Consumer Arbitration Rules (AAA Rules) of the American Arbitration Association (AAA), as modified by this arbitration provision, and will be administered by the AAA. There are no Monthly Service Charge, Balance Requirements or Maintenance WebRemove your cash and debit card from the ATM and store it away safely. We may refuse any withdrawal or transfer request which is greater in number than the frequency permitted, or which is for an amount greater or less than any withdrawal limitations. 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). We do not charge for preauthorized payments from any type of account. Who do I call if I still have questions? It often takes a couple of days for the check to clear and for you to You are leaving the Simmons Bank web site. This could include your account number, your name, and the amount to be deposited. A monthly service charge fee of $3.00 will be charged each month. For other changes, we will give you reasonable notice in writing or by any other method permitted by law. We will give only provisional credit until collection is final for any items, other than cash, we accept for deposit (including items drawn on us). You must include your name, account number, and card number. 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. An item may include a check, ACH debit, ATM debit, debit card transaction, bank fee or other item or debit. This account may not be transferred or assigned without our prior written consent. UPLOAD OF ELECTRONIC DEPOSIT TO UMPQUA BANK . Only ACH transactions described above which have been settled and posted no later than the last business day of the month preceding the end of your current statement cycle will be counted toward eligibility for Relationship Premium B for a given statement cycle. This method applies a daily periodic rate to the principal in the account each day. Making sure you have all the support you need, for life. 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). 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. Create one here.Forgot User ID or Password? You may not make any deposits into your account before maturity. Excluded claims must be resolved by a court with jurisdiction. 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. 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. Create one here.Forgot User ID or Password? You agree to retain the original check in conformance with our internal policy for retaining original checks. You will be paid this rate until first maturity. *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. 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. 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