You understand that even if you have asked for your original paper checks to be returned to you with your statement, those paper checks may not all be your Original Checks. Q. Wire Transfer shall have the same meaning assigned to that term by Regulation CC. Any physical or verbal behavior that endangers or harms Frost Bank employees, other Frost Bank customers, or other visitors to the Premises constitutes a threat and Frost Bank may, in its discretion, remove the offending Frost Bank customer from the Premises, or may take other actions within Frost Banks rights, including prosecution. Section 408 or Title 26 U.S.C. The filing of this report is in no way meant to imply or suggest that you are engaging in any illegal activity. If Frost has approved you to deposit Remotely Created Checks, and you deposit a Remotely Created Check into your Account, you warrant and guarantee that the Remotely Created Check is authorized according to the terms on its face by the person identified as drawer. With second-party checking services, a percentage of the amount redeemed (1-3%) can be deducted to complete the credit check. Funds Availability Policy Disclosure If your daily balance is $5,000 or more, the interest rate paid on the entire collected balance in your account will be 0.12%, with an annual percentage yield of 0.12%. We may reverse the refund (including interest on the refund) if we later are able to demonstrate that the Substitute Check was correctly posted to your Account. You agree to the Security Procedures used by the Bank in connection with the Digital Deposits. Accordingly, any information you provide to your Digital Wallet provider or another third party through the Digital Wallet Service, or that is collected or accessed by your Digital Wallet provider in the course of your use of a Mobile Card or the Digital Wallet Service, is subject to third-party agreements, and is not governed by Frosts Customer Privacy Statement or this Agreement. Bank retains the ability to either approve or deny your use of Digital Deposits in Banks sole and absolute discretion. All Substitute Checks deposited via Frost Digital Deposits (as further described in Section VII (Digital Deposits)) must be endorsed payable to the order of Mobile Deposit Only, Frost Bank, followed by your signature and Account number. (Funds Availability Policy Disclosure) apply only to demand deposit checking Accounts. We may rely on that information until you notify us of a change and we have had a reasonable time to act on the new information. If your bank charges a fee, expect to pay between $5 and $15. Log in to Frost Online Banking and select the "Account Services" tab. (a) Account Access you may use your PIN or code to: Transfer funds between your checking and savings Accounts; and. Customer is to maintain insurance for liability while cash is in the customer premise. All 155 branches 1,200 frost atms are located at in San Antonio. We reserve the right to refuse any item for deposit into your Account. If final payment is not received or if any item you have deposited or cashed is charged back to us for any reason, you authorize us to charge any of your Accounts, without prior notice and at any time, for the amount of the returned item, our returned item fee, any interest paid on that item, and any other fee we pay or incur, including, if applicable, foreign exchange fees or charges resulting from checks or drafts drawn on foreign banks. Account Statements G. Check or check means any written order to pay a specific amount of money drawn on, payable through or at, or processed by, a bank or other depository institution. We are required by law to maintain a log of all sales of bank checks or drafts, cashiers checks, money orders, and certain other products purchased in cash. Cash your checks quickly and easily at any KeyBank branch or drive-thru. Q. No Electronic Image submitted by you to us represents an Original Check that has already been collected. (vi) Notices All notices from us will be effective when we have mailed them or delivered them to your last known address in our records. Box 1600, San Antonio, Texas, 78296 in time for us to receive your request three (3) Business Days before the transfer is scheduled to be made. computer hacking, virus attack, or theft or loss of any equipment containing data owned by you), it is your sole responsibility to determine whether you have the obligation, under applicable law, to notify potentially affected individuals whose sensitive PII may have been compromised by the security breach incident. You must use your best efforts to cooperate with Frost in the prosecution or defense of any such claim. Access to individual identifiable records of customers is limited to employees with a valid business reason for such access. (2) If you authorize the conversion of your check into an electronic debit under one of the situations described above, funds may be withdrawn from your Account sooner than the funds would have been withdrawn had the original paper check been sent to us for payment. While these electronic debits are listed on your Account statement, the electronic debit of the funds from your Account will not appear under the Checks Paid section of your monthly statement. However, the amount on your deposit receipt is based only on the deposit slip you complete. The license granted hereunder is effective until terminated by you or Frost. They will generally be available no later than the seventh Business Day after the day of your deposit. N. Indemnification Effective August 7, 2022 For example, we may close, revoke privileges or convert your Account to another type of Account if we think another type of Account would better suit the way you use your Account, if you make frequent transactions on a money market deposit or savings Account, if your Account frequently has debits against uncollected funds, if your Account has excessive deposit activity or if you use a Personal Account for anything other than personal, family or household purposes. Check 21 requires that we provide you with the following disclosure entitled Substitute Checks and Your Rights. If you have any questions about this, or anything else relating to Check 21, please give us a call at 1-800-513-7678. to any branch of your bank. You represent and agree that all information you provide to Frost in connection with the Digital Wallet Service is accurate, current, and complete and that you have the right to provide such information to Frost for the purpose of using the Digital Wallet Service. No assignment will be valid or binding on us, and we will not be considered to have knowledge of it, until we consent and the assignment is noted in our records. The terms of the license will govern any upgrades provided by Frost that replace or supplement any Mobile Card, unless such upgrade is accompanied by a separate agreement in which case the terms of that agreement will govern. (1) Manner of Withdrawal HOWEVER, SUCH INDEMNIFICATION SHALL NOT EXTEND TO ANY DAMAGE OR LOSS DUE TO THE GROSS NEGLIGENCE OR WILLFUL MISCONDUCT OF BANK. We reserve the right to refuse any item for deposit, to reverse credit for any deposited items or to charge your Account for items should they become lost in the collection process. Except as limited by law, you agree to pay us the fees and charges shown in the Schedules applicable to your Accounts and for other services we perform. An uncashed check can be good for a very long time, but it will depend on the type of check and the bank involved. B. (1) What is a Substitute Check Further, we are required to attempt to communicate with you only at the most recent address provided to us. If you fail to comply with any of the above, we are not obligated to reimburse you for any claimed loss, except for consumer transactions that may be governed by Regulation E. If you are a Business Account customer and choose to participate in our Positive Pay services, which are designed to help prevent check fraud, and you fail to utilize or follow the procedures required for those services, you will assume the risk that checks presented against your Account may be forged or altered, to the extent that the services we offered may have prevented any loss. Find the nearest Frost Bank location near you | Branches, ATMs, Banking, and Financial Services in Texas C. Relationships to Other Frost Agreements. (5) Stale Checks No one, including our employees, can guarantee you that a check or other item (particularly one drawn on another financial institution) has been paid or will not be returned. NetSpend: Best for Prescription Purchases. To cash a check in the branch, bring your check and one form of ID, like a driver's license . Limitation of Liability Additional definitions regarding Digital Deposit terms are contained in Section VII (Digital Deposits). Once the Smart Safe deposit totals are received by Bank, customers designated Account is provided with provisional credit for the corresponding Smart Safe deposit amount. The transaction will appear in the Other Withdrawals/Debits section of your monthly Account statement. Walmart will also cash a personal check of up to $200 . For stop payment orders on recurring ACH transactions, you can obtain the company name of the payee from your statement by looking at a prior ACH debit from that payee that posted to your Account. In addition, you agree that we do not fail to exercise ordinary care in paying an item solely because our procedures do not provide for the sight examination of items with a face amount below an amount determined solely by us from time to time. You agree to hold us harmless for: (1) refusing to honor any check or other item presented to us for payment on a closed Account; (2) refusing to collect any check you have deposited in your Account, to collect any check you have deposited to your closed Account, or to accept any automated deposit or electronic funds transfer to your closed Account; (3) assessing any service charge otherwise applicable against any remaining balance in your Account; and (4) retaining all funds in the Account until we are reasonably satisfied that the time for items to be returned to us has lapsed and that all remaining funds are fully collected. For avoidance of doubt, you understand, acknowledge and agree that all data provided by you to Bank (including, but not limited to, Electronic Images or Substitute Checks retained on any processing equipment, Processing Software, or any other processing equipment or software (including your personal computer or mobile device) used by you in conjunction with Digital Deposits), and all data produced, compiled or otherwise provided by Bank to you, in any form or format, is your sole and exclusive property and copies thereof shall be provided to you at your request from time to time and at any time. (4) Changes We have the right to change the rates and fees in accordance with the Schedule. Even though the foreign item is returned unpaid, we may charge you for our collection fees and for fees and charges assessed by the paying bank and any agents involved in the collection or settlement process. Relationship to Your Digital Wallet Provider. The fees and expenses may include attorneys fees. ACE Flare: Best Nontraditional Bank Account. However, some of these services may not be available at all POS or ATM terminals. Substitute Checks and Your Rights In addition, repeated or serious violations of the Frost Bank code of conduct by a Frost Bank customer may result in action against such customer, including, but not limited to, Frost Bank exercising its rights under Section III.D. In our sole discretion, if Banks requirements are not met, we reserve the right to deny Vault Deposits to be delivered to the remote cash vault location or deny order servicing for delivery of coin and currency. Also, you understand that in certain instances we may request from time to time the Original Check to respond to claims made by the drawer of the check. The Bank is not agreeing to any Security Procedures or other procedure for the detection of errors. Daily Balance means the application of a daily periodic rate to the full amount of principal in the Account each day. (8) Signatures We have adopted commercially reasonable automated collection and payment procedures for processing checks for collection or payment that are in accordance with procedures commonly used in the financial services industry so that we can process the greatest volume of items at the lowest possible cost to our customers. B. A Substitute Check that you receive is the legal equivalent of an Original Check for all purposes. Subject to applicable law, we may charge a dormant Account fee on the Account, and the Account will be presumed to be abandoned. USE OF A MOBILE CARD INVOLVES THE ELECTRONIC TRANSMISSION OF PERSONAL INFORMATION THROUGH THIRD-PARTY CONNECTIONS. You must tell us the exact amount and payee name of the payment you have stopped, as well as any other identifying information which we may request. The arbitrators authority is limited to the dispute between you and Frost. If you cash out your paper I bonds at a bank, the bank may provide the 1099-INT form. Be sure to ask your bank or credit union for this policy. You and any other trustee or person opening the Account, in your individual capacity and jointly and severally, agree to indemnify and hold us harmless from and against any and all loss, costs, damage, liability, or exposure, including reasonable attorneys fees, we may suffer or incur arising out of any action or claim by any beneficiary or other trustee with respect to the authority or actions taken by you in handling or dealing with the Account. ATM and Debit Card re-presented transactions and all other transactions for which authorization has already occurred are processed in order from the lowest dollar amount to the highest dollar amount. This is called endorsing the check. THIS AGREEMENT TO ARBITRATE ANY AND ALL DISPUTES (WITH THE ABOVE-LISTED EXCEPTIONS) IS ENTERED INTO PURSUANT TO THE TEXAS CIVIL PRACTICE AND REMEDIES CODE, CHAPTER 171, THE TEXAS GENERAL ARBITRATION ACT, AND AS NECESSARY, PURSUANT TO THE FEDERAL ARBITRATION ACT 9 USC, 1-16. If you do not have sufficient available funds to recover a returned item, we may overdraw your Account(s). If a court or arbitrator finds any provision of the Agreement to be invalid or unenforceable, such finding shall not make the rest of the Agreement invalid or unenforceable. designation. Your credit card company might issue checks automatically when you open your credit card. For security reasons, we may require you to close your Account and to open a new Account if: (1) there is a change in authorized signers; (2) there has been a forgery or fraud reported or committed involving your Account; (3) any Account checks are lost or stolen; (4) you have too many transfers from your Account; or (5) any other provision of our Agreement with you is violated. For further information regarding the use of your Debit Card, please refer to the applicable Frost Bank Card Agreement and Disclosure applicable to those services. In addition, if we are presented with or have reasonable grounds to anticipate conflicting instructions regarding your Account, or if we have any reason to believe there is a dispute regarding your Account, such as conflicting instructions concerning funds in your Account or signatory authority to the Account, we may take any action described above or we may, unilaterally and in our sole judgment, place funds in a court (an interpleader action) for resolution. You also are entitled to interest on the amount of your refund if your Account is an interest-bearing Account. For example, we may ask the agent presenting the Power of Attorney to us to: (i) provide us a certification, under penalty of perjury, of any factual matter concerning the principal, agent, or Power of Attorney; (ii) provide us an opinion of counsel regarding any matter of law concerning the Power of Attorney that we specifically inquire about to the agent in writing; or (iii) provide us an English translation of the Power of Attorney if the original Power of Attorney is any language other than English. DIGITAL WALLET SERVICE Consequently, even if an Electronic Image captured via scanner or mobile device is initially accepted for image quality, the Frost internal verification process may ultimately reject an Electronic Image as not meeting all of our requirements for Digital Deposits. You may contact the Frost Bank Customer Service Call Center at 1-800-513-7678 with questions about your Account(s). Related: Best Frost Bank Offers and Promotions. C. Customer Representations and Agreements; Indemnity. You may not stop payment on an official, certified, cashiers, or tellers check issued by us, or request us to stop payment if we have otherwise become accountable for the check. In addition, if you own a Business Account, you acknowledge and agree to your duty to exercise ordinary care in safeguarding such materials with regard to your employees in accordance with the requirements of Texas Business and Commerce Code Sections 3.405, 3.406 and 4A.202. Q. If a problem arises with the product or service you purchased through use of the Mobile Card, you first should try to resolve the problem directly with the merchant, but you may also have rights under your card member agreement or otherwise under applicable law. (2) What are Your Rights Regarding Substitute Checks In certain cases, federal law provides a special procedure that allows you to request a refund for losses you suffer if a Substitute Check is posted to your Account (for example, if you think that we withdrew the wrong amount from your Account or that we withdrew money from your Account more than once for the same check). If you have this type of Account, your convenience signer has no ownership of the Account, and may not pledge or otherwise create a security interest in your Account(s). T. Unauthorized Transaction means a transaction that was not authorized by you, including, but not limited to, an erroneous or unauthorized debit. If you have cash exceeding $10,000, it is best to conduct the transaction and have the Bank file the required CTR. Federal law requires all banks to obtain certain information on all cash sales of monetary instruments between $3,000 and $10,000. During this maintenance window, you may have limited transaction capabilities. On the death of the last surviving Party, the ownership of the Account passes to the P.O.D. Wire Transfers and Automated Clearing House (ACH) Transactions. For cash reporting purposes, Frost Bank accepts passports and the Matricula Consular Card. (10) Facsimile Signatures If you use a procedure or mechanism that causes checks to be drawn on your Account(s) (such as, but not limited to: signature stamp; typed signature; facsimile signature; desktop publishing, digitized, or computer software generated signature; notation; or mark or other form of mechanical symbol (collectively, the Mark)) that is not the signature that is on the Signature Card that you signed when you opened your Account, you are adopting such Mark as your signature and authorizing us to pay checks upon which the Mark appears or purports to appear. Withdrawals and transfers from your Account may be restricted as provided in any applicable Agreement or Schedule, or applicable law. Disputes in excess of $100,000 where the AAA or like organization cannot serve shall be decided by a panel of three (3) arbitrators selected in the manner and credentialed in the way described above. Except as otherwise indicated in this Agreement, the arbitrator(s) will have the power to award to a Party any damages or other relief provided for under applicable law. If you have designated your Account as a community property Account without right of survivorship, the money in your Account is the community property of you and your spouse. We may agree with other banks regarding times and methods for collecting or returning items. Checks or items drawn on foreign financial institutions or payable other than in United States currency. Except as otherwise required by applicable law, Frost may block, restrict, suspend or terminate your use of any Mobile Card at any time without notice and for any reason, including if you violate the terms of this Agreement or any of your card member agreements, if Frost suspects fraudulent activity, or as a result of the cancellation or suspension of your Payment Card account. Notices from you will be effective when received by us at the telephone number or the address specified in this Agreement. In this Agreement, each and all of the depositors may be referred to as "you," "your," "Account Holder" or "customer.". We will tell you the results within three (3) Business Days after completing our investigation. (60) calendar days after the statement showing the transaction has been mailed to you. Please see our Customer Privacy Statement for your choices about information sharing. Our Personal and Health Savings Account Debit Card Agreement and Disclosure (or similar agreement) for Personal Accounts, and our Business Debit Card Agreement and Disclosure (or similar agreement) for Business Accounts contains a description of the Frost Bank recommended customer practices for maintaining the security of your Debit Card number and associated PIN. You understand and acknowledge these provisions do not apply to any Business Account. You represent that you are not engaged in the production, manufacturing/refinement, distribution or sale of industrial hemp or industrial hemp-derived products (such as products containing CBD oil) that are not classified as Schedule I drugs under the federal Controlled Substances Act. We may in our sole discretion withhold providing this accelerated provisional credit, to the extent allowed under applicable law, if we believe that the circumstances or Account history warrants the delay. A. 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