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. 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. 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. Making sure you have all the support you need, for life. All costs and attorneys fees can be deducted from your account when they are incurred, without notice to you. You can only withdraw interest credited in the term before maturity of that term without penalty. There is NO monthly service charge, balance requirements or maintenance fees associated with this account. The Simmons Bank Coin Checking Account gives you UNLIMITED check writing privileges. Health Savings Account (Minimum age to open this account is 18) An item may include a check, ACH debit, ATM debit, debit card transaction, bank fee or other item or debit. We encourage you to agree and tell us in writing of the percentage of the deposit contributed by each of you. Your Coin Savings account will earn the highest interest rate for which you qualify based on the account's interest rate and any eligible Relationship Premiums described below. 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. 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. A Mobile Deposit might be rejected for several reasons. disputes over the scope and enforceability of this arbitration provision or whether a dispute or claim can or must be brought in arbitration. 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. The Simmons Wealth Management Online Portal makes it easy to access information, documents and more, from your desktop or mobile device. Log in to your Simmons Trust Wealth Management, Request a Business Credit Card Application, Request a Corporate Credit Card Application, An active Simmons Bank online banking login; and. Notice to any of you is notice to all of you. However, this time period shall not exceed 60 days. You may avoid the Paper Statement Fee by enrolling to receive eStatements instead of paper statements for this account. We may accept an order to stop payment on any item from any one of you. The list of fees applicable to your account(s) provided elsewhere may specify additional fees that we may charge for certain legal actions. Minimum balance to avoid imposition of fees -A service charge fee of $10.00 will be imposed every statement cycle if the balance in the account falls below $2,500.00 any day of the cycle. Notify us at once if you believe your checks have been lost or stolen. Contact Simmons Bank Customer Support by sending a message in your online or mobile banking or by calling toll free at 1-866-246-2400 between 7:30 a.m. CT and 6:00 p.m. CT each banking day, and 8:00 a.m. CT to noon CT on Saturday. Your account number can also be used to electronically remove money from your account, and payment can be made from your account even though you did not contact us directly and order the payment. Minimum balance to open the account -You must deposit $100.00 to open this account. The automated processing of the large volume of checks we receive prevents us from inspecting or looking for restrictive legends, restrictive indorsements or other special instructions on every check. You agree that you will not waive any rights you have to recover your loss against anyone who is obligated to repay, insure, or otherwise reimburse you for your loss. Duty to notify if statement not received -You agree to immediately notify us if you do not receive your statement by the date you normally expect to receive it. Check with your cell phone provider for details on specific fees and charges. We may refuse to accept the designation of an agent. We will use what is called a substitute (or electronic) deposit slip to post the deposit to your account. This right of setoffdoes not apply to this account if prohibited by law. Rate Information - Your interest rate and annual percentage yield may change. The terms of this disclosure are intended to work in conjunction with the HSA Agreement provided to you earlier. 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. Credit card limits: The amount of your current credit limit Wire transfer limits : The owner does not give up any rights to act on the account. See your notice of penalty for early withdrawals for additional information. As you look at the front of a check, the trailing edge is the left edge. You are entitled to opt out of this service. We will not be liable for the dishonor of any check when the dishonor occurs because we set off a debt against this account. Pay-On-Death Account You may create a Pay-On-Death account by designating one or more Pay-On-Death beneficiaries. A $3.00 Paper Statement Fee will be imposed every statement cycle in which you receive a paper statement. To the extent permitted by law, you waive any notice of non-payment, dishonor or protest regarding any items credited to or charged against your account. WebInstant Cash Deposits Deposit up to 10.000 into your account at any Hellenic Bank ATM daily. 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. 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. You will receive a separate schedule of rates, qualifying balances, and fees if they are not included in this document. You will not be responsible for such transactions if we acted in bad faith or to the extent our negligence contributed to the loss. Make more moments possible-get the account that's ready for what's next. You will notify law enforcement authorities of any criminal act related to the claim of lost, missing, or stolen checks or unauthorized withdrawals. You will pursue your rights or, at our option, assign them to us so that we may pursue them. Account is not eligible for overdraft privileges. For information on errors relating to consumer electronic fund transfers governed by Regulation E refer to your Electronic Fund Transfers disclosure and the sections on consumer liability and error resolution. It includes, but is not limited to: In this arbitration provision only, references to we, us, and our mean the financial institution and its parents, subsidiaries, affiliates, predecessors, successors, and assigns, as well as each of those entities agents and employees. 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. Nothing in this document is intended to vary our duty to act in good faith and with ordinary care when required by law. Minimum balance to avoid imposition of fees -A monthly service charge fee of $10.00 will be imposed every statement cycle if the daily balance in the account falls below $1,000.00 any day of the cycle. Multiple requests for payment --If we return an item, the party that presented the item for payment might have the right to make a second or subsequent request for payment. Failure to examine your statement and items and report any errors or problems to us within 60 days of when we first send or make the statement available precludes you from asserting a claim against us for any errors or problems related to items or other matters identified in that statement and as between you and us the loss will be entirely yours. In Case of Errors or Questions About Your Electronic Transfers, Call or Write us at the telephone number or address listed in this disclosure, as soon as you can, if you think your statement or receipt is wrong or if you need more information about a transfer listed on the statement or receipt. You will receive an email with details if your deposit is rejected. We are not responsible for transactions by mail or outside depository until we actually record them. Informing us of your address or name change on a check reorder form is not sufficient. Please note, debit card transactions generally take 3-10 days to settle and post but may take longer. To provide you with the best possible service in our ongoing business relationship for your account we may need to contact you about your account from time to time by telephone, text messaging or email. You agree to be bound by automated clearing house association rules, which are available from us on request or from Nachas website. WebIf your mobile deposit exceeds your per-item limit, a two-to-three-day hold will be placed for the amount exceeding the limit. 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. Available balance -The term available balance means the amount of money in your account that you can use, withdraw, or transfer. Accounts may be opened by a person acting in a fiduciary capacity. You are leaving the Simmons Bank web site. 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. A participating merchant can access that updated card information before requesting a payment. 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. Earnings in the form of interest, dividends, or credits will be paid only on collected funds, unless otherwise provided by law or our policy. If you meet the above Relationship B requirements in the calendar month preceding the last day of your statement cycle, you will qualify for Relationship Premium B on your most recently opened Coin Savings account for that statement cycle and receive the Base Rate plus an additional 50 basis points (.50%) in interest on any daily balance amount up to and including $10,000.00. Because we process checks mechanically, your notice will not be effective and we will not be liable for failing to honor your notice unless it precisely identifies the number, date, amount and payee of the item. You may opt out at any time. Minimum balance to open the account -You must deposit $10.00 to open this account. The rules in this section cover stopping payment of items such as checks and drafts. Rather, Mobile Deposits will generally be made available by the third business day after the day of your deposit. The Simmons Wealth Management Online Portal makes it easy to access information, documents and more, from your desktop or mobile device. Mobile Deposits are posted to accounts throughout each banking day. To obtain the conversion bonus at age 18, the customer must have an open, positive balance checking account or the customer must open a checking product within 60 days of their 18th birthday (conversion date) and have a positive balance of greater than $100 in their Save10 Youth Savings Account at date of conversion. For determining the availability of your deposits, every day is a business day, except Saturdays, Sundays, and federal holidays. (10) Military Lending Act:If you are a covered member of the armed forces or the dependent of a covered member within the meaning of the Military Lending Act and your Agreement with us involves an extension of consumer credit under that Act, then you are not required to arbitrate disputes. Your authorization to the third party to make these transfers can occur in a number of ways. Rate information -The interest rate on your account is ___% with an annual percentage yield of ___%. A monthly service charge fee of $3.00 will be charged each month. In some cases, however, we may delay the availability of Mobile Deposits for a longer period. For more information about the terms applicable to the availability of Mobile Deposits, refer to the Simmons Bank Terms of Service for Online Banking. You will have ten calendar days after maturity to withdraw the funds without a penalty. If you make a deposit before closing on a business day that we are open, we will consider that day to be the day of your deposit. You will not see any difference between the way your account operates and the way a traditionally organized account operates, but this organization makes us more efficient. Any certificate of deposit terms and disclosures provided by us to you separately are intended to supplement the terms of this agreement. Crediting frequency -Interest will be credited to your account every quarter. This agreement is subject to applicable federal laws, the laws of the state of Arkansas and other applicable rules such as the operating letters of the Federal Reserve Banks and payment processing system rules (except to the extent that this agreement can and does vary such rules or laws). 10.00 to open the account -You must deposit $ 100.00 to open account. We will not be responsible for such transactions if we acted in bad faith or to the extent negligence! 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