This includes, but is not limited to, disputes between you and another joint owner; you and an authorized signer or similar party; or a third party claiming an interest in your account. Checks made payable to you and drawn on a bank within the United States can be deposited through Mobile Deposit. Web access is needed to use this service. Minimum balance to open the account -You must deposit between $300.00 to $5,000.00 to open this account. Our liability will be reduced by the amount you recover or are entitled to recover from these other sources. This arbitration provision shall survive termination of this Agreement. Minimum balance to open the account -You must deposit $25.00 to open this account. An interest accrual that totals less than $0.01 is carried forward to be added to future accruals. Accounts may be opened by a person acting in a fiduciary capacity. Indicated below are types of Electronic Fund Transfers we are capable of handling, some of which may not apply to your account. 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). SAIF Insured: No State Chartered: Yes Financial Snapshot (updated periodically) Assets: $27023423 Deposits: $22244461 Deposits Held Domestically: $22244461 Equity Capital: $3361781 Net Income: $198117 FDIC Oversight FDIC Region: The purpose of this document is to: If any provision of this document is found to be unenforceable according to its terms, all remaining provisions will continue in full force and effect. Box 6609Pine Bluff, AR 71611-6609MORE DETAILED INFORMATION IS AVAILABLE ON REQUEST. The owner does not give up any rights to act on the account. BauerFinancial Star-Rating system utilizes a scale of zero stars (lowest) to five The appellant shall pay all fees and costs for the appeal unless the panel determines that the appellant is the prevailing party, in which case the panel shall have the discretion in its final award to reallocate the fees and costs as justice or otherwise applicable law requires. Go digital with our top-rated mobile app. 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. 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. 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. You shall upload the Electronic Deposit to us on or before the 6:00 p.m. Pacific Time daily Electronic Deposit cutoff - time established by Umpqua Bank. For determining the availability of your deposits, every day is a business day, except Saturdays, Sundays, and federal holidays. Rejecting this arbitration provision will not affect your other rights or responsibilities under this Agreement. Limitations on the number of telephonic transfers from a savings account, if any, are described elsewhere. 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. Your consent is limited to your account, and as authorized by applicable law and regulations. WebInstant Cash Deposits Deposit up to 10.000 into your account at any Hellenic Bank ATM daily. The owner is responsible for all transactions of the agent. 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. We may give cash back to any one of you. 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 You may stop payment on any item drawn on your account whether you sign the item or not. Overdraft fees will not be assessed in the event of an overdraft of the account. Frequency of rate changes -We may change the interest rate on your account at any time. 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. At our option, we may take an item for collection rather than for deposit. All issues are for the arbitrator to decide, except that the court will decide any disputes over the arbitrability of claims. 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. This liability is due immediately, and can be deducted directly from your account even if sufficient funds are not available at the time. There may be other exceptions stated in our agreement with you. 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. Make balance inquiries on your Arvest Bank checking, money market and savings account(s). 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. We may do these things even if the legal action involves less than all of you. You may opt out at any time. In order to qualify for Relationship Premium B on your Coin Savings account for a particular statement cycle, you must (i) have at least one linked Coin Checking account (to be linked, a Coin Checking account must have the same primary account holder as the Coin Savings account), (ii) meet the requirements for Relationship Premium A described above, and (iii) have a combined minimum of $500.00 in ACH transactions deposited into your linked Coin Checking account(s) during the calendar month preceding the last day of your statement cycle. 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. Transaction limitations -Transactions presented against your account that involve a check (including written checks, check by phone or third-party authorizations that come through as a check) will not be honored regardless of the available balance. If you have multiple open Coin Savings accounts, Relationship Premiums will only be paid to the most recently opened of the Coin Savings accounts, and only one Coin Savings account per account holder may be eligible for Relationship Premiums. You may make unlimited deposits into your account. Unless we have agreed in writing, we are not responsible for any losses, claims, damages, or expenses that result from your placement of these restrictions or instructions on your checks. 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. WebATMs ATMs 32,000 ATMs Nationwide Being a BOK Financial client means you get FREE access to more than 32,000 ATMs across the country! 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. WebRemove your cash and debit card from the ATM and store it away safely. 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. We do not charge for direct deposits to any type of account. Savings Accounts We are not responsible for any unauthorized signature or alteration that would not be identified by a reasonable inspection of the item. Except where limited by applicable law, any fees or expenses we incur in responding to any legal action (including, without limitation, attorneys fees and our internal expenses), except for an action you commence against us, may be charged against your account. We may supply any missing indorsement(s) for any item we accept for deposit or collection, and you warrant that all indorsements are genuine. You will have ten calendar days after maturity to withdraw the funds without a penalty. Insert your cash in the envelope and seal it. If the figures are not filled in, please see the insert that is with this disclosure or your periodic statement. Time requirements -Your account will mature ___. We will not be liable for anything we do when following your instructions. Restricted transactions generally include, but are not limited to, those in which credit, electronic fund transfers, checks, or drafts are knowingly accepted by gambling businesses in connection with the participation by others in unlawful Internet gambling. If you and we do not reach an agreement to resolve the claim within 45 days after the Notice is received, you or we may commence an arbitration proceeding. 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. 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. You agree that the time you have to examine your statement and items and report to us will depend on the circumstances. ATM Withdrawal Limit Different banks, account types and ATMs have different withdrawal limits, so be conscious of these restrictions. You understand that your HSA is intended to be used for payment of qualified medical expenses. Who do I call if I still have questions? Simmons Bank does not provide, and is not responsible for, the web sites content or performance. Like any standard check or draft, a remotely created check (sometimes called a telecheck, preauthorized draft or demand draft) is a check or draft that can be used to withdraw money from an account. Webass anal stretching. If we close your account, we will provide reasonable notice to you and tender the funds in the account personally or by mail. 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. If we receive such a second or subsequent request for payment, we will treat the request as an independent item different from the item(s) previously presented. A withdrawal will reduce earnings. This agreement requires that disputes be resolved through individual arbitration rather than jury trials or class action proceedings and limits your remedies in the event of a dispute. 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. Funds from electronic direct deposits to your account will be available on the day we receive the deposit. Please note, if a transaction shows as pending, it has not settled and posted. 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. We undertake no obligation to monitor transactions to determine that they are on the owners behalf. This method applies a daily periodic rate to the principal in the account each day. If you tell us within 2 business days after you learn of the loss or theft of your card and/or code, you can lose no more than $50 if someone used your card and/or code without your permission. Dormant Account Fees do not apply to accounts owned by Texas residents and only apply to accounts when the daily balance falls below $2,500.00 any day of the statement cycle. 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. You have overdrawn your account repeatedly in the last six months. We can refuse to accept substitute checks that have not previously been warranted by a bank or other financial institution in conformance with the Check 21 Act. Among the debit categories, categories of electronic transactions, such as ATM withdrawals, PIN-based debit card transactions, and signature-based debit card transactions, are generally posted before categories of paper items, such as checks. 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. A transaction charge of $0.25 will be assessed on each additional deposited item. Create one here.Forgot User ID or Password? You must make any stop-payment order in the manner required by law and we must receive it in time to give us a reasonable opportunity to act on it before our stop-payment cutoff time. These transfers to make or receive payment may be one-time occurrences or may recur as directed by you. Cash deposits to your account (s) are credited immediately. For information on errors relating to a substitute check you received, refer to your disclosure entitled Substitute Checks and Your Rights. You agree that, as to these or any items as to which we have no opportunity to examine the signatures, you waive any requirement of multiple signatures. Simmons Bank does not provide, and is not responsible for, the web sites content or performance. Even if we honor a nonconforming request, we are not required to do so later. what is a golf pro at a country club; jenna nickol nude pics; how to see who reacted on telegram message; minneapolis moline m670 for sale This account IS NOT available to Business, Commercial or Organization customers. As used in this document the words we, our, and us mean the financial institution (Simmons Bank), and the words you and your mean the account holder(s) and anyone else with the authority to deposit, withdraw, or exercise control over the funds in the account. Minimum balance to obtain the annual percentage yield disclosed -You must maintain a minimum balance of $500.00 in the account each day to obtain the disclosed annual percentage yield. The electronic fund transfers we permit are offered for the convenience of managing your HSA. If you are a new customer, the following special rules will apply during the first 30 days your account is open. However, the first $225 of your deposits will be available on the first business day after the day of your deposit. Your account is considered a new account for the first 30 days after the first deposit is made, unless each of you already has an established account with us before this account is opened. This means you may use your Visa-branded Debit Card on a PIN-Debit Network* (a non-Visa network) without using a PIN. 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. Box 7009, Pine Bluff, AR 71611. 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. You will pay any additional reasonable charges for services you request which are not covered by this agreement. To process the deposit, we will verify and record the deposit, and credit the deposit to the account. Once you verify that the funds have been applied to your account correctly, you should shred the check. additional indorsements, ID information, drivers license number, etc.) 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. Using an automated process helps us keep costs down for you and all account holders. Fifty (50) foreign deposited items and fifty (50) on us deposited items may be made at no charge in each monthly statement cycle. Whenever the words, include, includes, or including are used in this agreement, they shall be deemed followed by the phrase without limitation (except to the extent such phrase, or a phrase of substantially similar meaning, is already expressly stated). 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. Unless you and we agree otherwise, any arbitration hearings will take place in the county of your address on file with your account. We must receive the notice in time for us to have a reasonable opportunity to act on it, and you must tell us the precise date of the check, amount, check number and payee. 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. 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