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. WebInstant Cash Deposits Deposit up to 10.000 into your account at any Hellenic Bank ATM daily. You agree to hold us harmless from any claim arising as a result of our exercise of our security interest or right of setoff. Time requirements -Your account will mature ___. Making sure you have all the support you need, for life. Additional copies of each of these documents are available from us upon request. 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. Some activities may not cause your available balance to increase or decrease right away. WebYou can now get instant access of up to $500 in funds from checks you deposit, with hours that fit your schedule. 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. Credit entries may be made by ACH. Accounts may be opened by a person acting in a fiduciary capacity. Case-by-case delays -In some cases, we will not make all of the funds that you deposit by check available to you on the first business day after the day of your deposit. Webass anal stretching. The list of fees applicable to your account(s) provided elsewhere may specify additional fees that we may charge for certain legal actions. 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. 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. Nor does this arbitration agreement preclude either you or us from exercising self-help remedies (including setoff), and exercising such a remedy is not a waiver of the right to invoke arbitration of any dispute. 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). We will determine whether an error occurred within 10 business days (5 business days for Visa-branded Debit Card or ATM Card point-of-sale transactions processed by Visa) after we hear from you and will correct any error promptly. Please ensure that your email address is current. Check with your cell phone provider for details on specific fees and charges. Deposits and other categories of credits are generally posted before debits. You give us this authority regardless of by whom or by what means the facsimile signature(s) may have been affixed so long as they resemble the facsimile signature specimen filed with us, and contain the required number of signatures for this purpose. (6) Requirement of Individual Arbitration:The arbitrator may award declaratory or injunctive relief only in favor of the individual party seeking relief and only to the extent necessary to provide relief warranted by that partys individual claim. We are not responsible for transactions by mail or outside depository until we actually record them. 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). In addition, we may place limitations on the account until your identity is verified. We make no representations as to the appropriateness or effect of the ownership and beneficiary designations, except as they determine to whom we pay the account funds. See the section titled "Your Account" for additional account and rate information. Unless prohibited by law, we also reserve the right to charge back to your account the amount of any item deposited to your account or cashed for you which was initially paid by the payor bank and which is later returned to us due to an allegedly forged, unauthorized or missing indorsement, claim of alteration, encoding error or other problem which in our judgment justifies reversal of credit (for example, a counterfeit cashier's check). 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. Secure Cheque Deposits Safely and conveniently deposit your cheque (s) into your account using our ATM at any time of the day. WebLooks like Capital One has a $5,000 daily limit for mobile/ATM check deposits and a $10,000 monthly limit. Any written notice you give us is effective when we actually receive it, and it must be given to us according to the specific delivery instructions provided elsewhere, if any. 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. Verify incoming direct deposit amounts or the credits and debits that have posted to your account(s). Please ensure that your email address is current. 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 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. Unless it would be inconsistent to do so, words and phrases used in this document should be construed so the singular includes the plural and the plural includes the singular. This account may not be transferred or assigned without our prior written consent. Some business size checks (the long ones) do not work with Mobile Deposit. At our option, we may take an item for collection rather than for deposit. For information on errors relating to a substitute check you received, refer to your disclosure entitled Substitute Checks and Your Rights. Excluded claims must be resolved by a court with jurisdiction. In these cases, we will not have any liability to you if there are insufficient funds to pay your items because we have withdrawn funds from your account or in any way restricted access to your funds in accordance with the legal action. We may also require reasonable identification to cash such a check, draft or other instrument. Individual Account -is an account in the name of one person. However, we must first obtain your consent to contact you about your account because we must comply with the consumer protection provisions in the federal Telephone Consumer Protection Act of 1991 (TCPA), CAN-SPAM Act and their related federal regulations and orders issued by the Federal Communications Commission (FCC). Interest will be calculated on the same basis as during the original term. Overdraft fees will not be assessed in the event of an overdraft of the account. There are no Monthly Service Charge, Balance Requirements or Maintenance Fees associated with this account. Account withdrawals are limited to Debit card and ATM transactions, ACH debit transactions, Online and Mobile Bill Pay, and Online or Mobile banking transfers. The terms of this disclosure are intended to work in conjunction with the HSA Agreement provided to you earlier. Webbetween you and Umpqua Bank. This document, along with any other documents we give you pertaining to your account(s), is a contract that establishes rules which control your account(s) with us and related matters. For other changes, we will give you reasonable notice in writing or by any other method permitted by law. 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. If you do not do so, or if you have too many overdrafts, we may close your account. As a result, before electronically accessing any account you may have with us, it is a good practice to make sure you are using the correct access device (such as a card) or accessing the appropriate account for the transaction. If necessary, you may change or remove any of the telephone numbers or email addresses at any time using any reasonable means to notify us. We will not be liable, for instance: We will disclose information to third parties about your account or the transfers you make: (b) Contact in event of unauthorized transfer -If you believe your card and/or code has been lost or stolen, call or write us at the telephone number or address listed in this disclosure. If there is a cross-appeal, the costs shall be borne equally by both sides, subject to reallocation by the panel in its final award as justice or otherwise applicable law requires. Frequency of rate changes -We may change the interest rate on your account at any time. 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. Compounding frequency -Interest will be compounded every quarter. Any certificate of deposit terms and disclosures provided by us to you separately are intended to supplement the terms of this agreement. 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 two or more of you create such an account, all of you own the account jointly with survivorship. Generally -Unless clearly indicated otherwise on your account records, any of you, acting alone, who signs to open the account or has authority to make withdrawals may withdraw or transfer all or any part of your accounts available balance at any time. 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. As you look at the front of a check, the trailing edge is the left edge. You can also see the status of your deposit in our app. If we receive a payment order to credit an account you have with us by wire or ACH, we are not required to give you any notice of the payment order or credit. 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. We will have a reasonable period of time to investigate the facts and circumstances surrounding any claim of loss. claims arising out of or relating to any aspect of the relationship between you and us, whether based in contract, tort, fraud, misrepresentation, or any other statutory or common-law legal theory; claims that arose before this or any prior Agreement (including, but not limited to, claims relating to advertising or disclosures for any of our products or services); claims for mental or emotional distress or injury not arising out of bodily injury; claims asserted in a court of general jurisdiction against you or us, including counterclaims, cross-claims, or third-party claims, that you or we elect to arbitrate in the answer or other responsive pleading; claims relating to the retention, protection, use, or transfer of information about you or any of your accounts for any of our products or services; claims relating to communications with you, regardless of sender, concerning any of our products or services, including emails and automatically dialed calls and text messages; claims that are currently the subject of purported class action litigation in which you are not a member of a certified class; and. You are leaving the Simmons Bank web site. This also includes any action that you or a third party takes regarding the account that causes us, in good faith, to seek the advice of an attorney, whether or not we become involved in the dispute. 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 For determining the availability of your deposits, every day is a business day, except Saturdays, Sundays, and federal holidays. To ensure that your check or share draft is processed without delay, you must indorse it (sign it on the back) in a specific area. M&T cardholders can withdraw up to $1,000 per day from an ATM. Your interest rate and annual percentage yield may change. 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. Web 2023 Simmons Bank Privacy policy Member FDIC Equal Housing Lender Joint Account - With Survivorship (And Not As Tenants In Common) -is an account in the name of two or more persons. 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. These rules provide, among other things, that payments made to you, or originated by you, are provisional until final settlement is made through a Federal Reserve Bank or payment is otherwise made as provided in Article 4A-403(a) of the Uniform Commercial Code. You consent in advance to any such recording. The body of state and federal law that governs our relationship with you, however, is too large and complex to be reproduced here. 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