However, you can prevent your stop-payment order from expiring by renewing your stop-payment order before the end of the six-month period. Some business size checks (the long ones) do not work with Mobile Deposit. 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. 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. Web30-day limit (i.e., dollar amount per 30 days). Time requirements -Your account will mature ___. The interest rate for your account is ___% with an annual percentage yield of ___%. After 12 months of proper account management, the bank may, at the customers request, evaluate the account for another account type. Interest will be credited to your account every month. Minimum balance to open the account -You must deposit $50.00 to open this account. 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. We may refuse to accept the designation of an agent. An atm is a terminal located on the placements of financial institutions or elsewhere, through which customers may make withdrawals, deposits or If you sign the signature card, otherwise indicate your acceptance of these terms, or open or continue to use the account, you agree to these rules. 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. Unless you timely reject arbitration, this arbitration provision is binding on you and us. Yes, you can usually deposit a check into an ATM, though some machines may not accept them. At our option, we may take an item for collection rather than for deposit. Alternatively, you may choose to have interest paid to you or to another account rather than credited to this account. The provisions of your agreement with us relating only to Visa transactions are not applicable to non-Visa transactions. Please note, accrued interest is not credited until it equals at least $0.01. You will be paid this rate until first maturity. Our policy is to make funds from your cash and check deposits available to you on the first business day after the day we receive your deposit. Accounts may be opened by a person acting in a fiduciary capacity. 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. We are not responsible for the actions of a fiduciary, including the misuse of funds. There are no Monthly Service Charge, Balance Requirements or Maintenance Each of you intend that when you die, the funds in the account (subject to any previous pledge to which we have agreed) will belong to the survivor(s). You may avoid the Paper Statement Fee by enrolling to receive eStatements instead of paper statements for this account. 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. Frequency of rate changes -We may change the interest rate on your account at any time. For every $1 spent, you receive rewards that you can put back into your business. A minimum of $0.01 must be deposited within 45 days of account opening. We undertake no obligation to monitor transactions to determine that they are on the owners behalf. 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. We may rely on the information in that confirmation unless you notify us immediately of any errors. Unless we agree otherwise, change of address or name must be made in writing by at least one of the account holders. You are leaving the Simmons Bank web site. 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. 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. 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. Using an automated process helps us keep costs down for you and all account holders. Overdraft fees will not be assessed in the event of an overdraft of the account. However, we may at some time in the future restrict or prohibit further use of this account if you fail to comply with the requirements we have imposed within a reasonable time. This account may be opened and maintained by a person or persons named as a trustee under a written trust agreement, or as executors, administrators, or conservators under court orders. 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. 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. 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 your account has an original maturity of one year or more: The fee imposed will equal 360 days interest on the amount withdrawn. Yes. Get the buying power you need with the rewards you want. Funds from electronic direct deposits to your account will be available on the day we receive the deposit. 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. Accounts not funded within 45 days of account opening will be closed. 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. 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. This account IS NOT available to Business, Commercial or Organization customers. To make an ATM deposit, follow these steps: Prepare Your Deposit. You authorize us to attempt to collect previously returned items without giving you notice, and in attempting to collect we may permit the payor bank to hold an item beyond the midnight deadline. You will receive notice of any changes to your limit. 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 could include your account number, your name, and the amount to be deposited. 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. You grant us a right of setoffto, and a security interest in, your account to ensure you pay us all amounts you owe us under this agreement or other debts you owe us (now or in the future). If we close your account, we will provide reasonable notice to you and tender the funds in the account personally or by mail. A telephone transfer of funds from this account to another account with us, if otherwise arranged for or permitted, may be made by the same persons and under the same conditions generally applicable to withdrawals made in writing. Deposits and other categories of credits are generally posted before debits. 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. 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. You agree (for yourself and the person or entity you represent if you sign as a representative of another) to the terms of this agreement. This fee will not apply until the primary owner reaches age eighteen (18). We may give cash back to any one of you. You may make unlimited deposits into your account. 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. 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. 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. ___ % with an annual percentage yield of ___ % with an annual percentage yield of ___ % with annual! 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