Either you or the Bank may request mediation upon written notice to the other Party. You must promptly notify us of any change in your address or name. If you're in Texas, chances are there's a Frost nearby with folks you can trust to navigate you through any financial decision, no matter how simple or complicated. If feasible, any such offending provision shall be deemed to be modified to be within the limits of enforceability or validity; however, if the offending provision cannot be so modified, it shall be stricken and all other provisions of the Agreement in all other respects shall remain valid and enforceable. This way, casinos can be sure your check will be valid. B. can you cash a butterball check at the bank. Pay and get paid from other Frost accounts in seconds using only your phone number, make local transfers instantly . Obtain balance information for your checking or savings Account. If you win the arbitration, we will reimburse you for any fees you paid to the arbitration administrator and/or arbitrator. How much do bankers at Frost Bank make? We strive to meet the highest legal and ethical standards in the conduct of our business as allowed by law, observing both the letter and the spirit of the regulations surrounding the confidentiality and security of customer information. M. Right of Setoff Regions Bank: 1% of . Monday-Friday, after 6 pm ET and Saturday-Sunday. We may pay any sum in the Account to a Party, including a Partys Power of Attorney or agent, at any time. Checks with a value greater than $50 will be charged $8 per check. * See running balances, plus view and search . C. Average Daily Balance means the application of a periodic rate to the Average Daily Balance in the Account for the period, determined by adding the full amount of principal in the Account for each day of the period and dividing that figure by the number of days in the period. You understand and acknowledge these provisions do not apply to any Business Account. A beneficiary may not withdraw funds from the Account before all trustees are deceased. You agree that if we pay the check, the check will be posted to your Account on the date we pay the check, even though the posting date is prior to the date shown on the check. Walmart. Disruptive conduct of any nature by a Frost Bank customer will not be tolerated on the Premises, and such conduct will result in ejection of the disruptive Frost Bank customer from such Premises. 5 business days after the day of the deposit. (ii) Preauthorized Credits If you have arranged to have direct deposits made to your Account at least once every sixty (60) calendar days from the same person or company, you can call us at 1-800-513-7678 to find out whether or not the deposit has been made. (2) Report Lost or Stolen Devices or Payment Cards. Data Privacy Frost Bank reserves the right to inquire about any deposits made, withdrawals from, or other disposition of funds or Account transactions or activity, regarding any or all of your Frost Bank Accounts, including, but not limited to, the right to contact you directly regarding any Account activities. (2) Smart Safe Services I. P.O. End of business day (no earlier than 2pm) No earlier than 12pm (3pm at non-PNC ATMs and 10pm for . We will not be liable to you for refusing a deposit, even if it causes outstanding items to be returned. If you cash out your paper I bonds at a bank, the bank may provide the 1099-INT form. We may pay funds in the Account to the convenience signer or at the convenience signers direction either before we receive notice of your death, or before we receive written notice signed by you that the authority of the convenience signer has been revoked and instructing us to remove the convenience signer from your Account. As permitted by applicable law, we may exercise our right of setoff for any liability or debt of any of you, whether the Account is owned jointly or individually; whether the liability or debt is direct or contingent and whether now or hereafter existing; and whether the liability or debt arises from Overdrafts, endorsements, guarantees, loans, attachments, garnishments, levies, attorneys fees, or other obligations. At any time, at Frosts sole discretion and without prior notice, Frost may expand, reduce or suspend the type and/or dollar amounts of transactions allowed using a Mobile Card or change the enrollment process. Our acceptance of any Third Party retained by you based on our qualification criteria is not a representation or warranty by us regarding the fitness of the Third Partys capabilities or financial condition, nor is such acceptance by us an endorsement of any Third Partys ability to perform the Third-Party services for you. Any action by us for reimbursement from you for any costs or expenses may also be made against your estate, heirs and legal representatives, who shall be liable for any claims made against and expenses incurred by us. If a notice of error involves unauthorized use of your card for a transaction processed through the Visa system (for example, use of your personal Debit Card when no PIN is used), we will provide provisional credit within five (5) Business Days after you notify us instead of within the usual ten (10) or twenty (20) Business Days. Here's how you can get started on the Frost Bank mobile app: Back to top. (2) What are Your Rights Regarding Substitute Checks Q. (4) Postdated Items Stop payment orders remain in effect for 12 months. You may ask for copies of the documents that we used in our investigation. If you fail to destroy the Original Check within thirty-one (31) calendar days following the date of deposit, you agree you are responsible for any losses arising from the loss, theft or misuse of any Original Check. Frost Bank may pay any sum in the Account to a Party, including a Partys Power of Attorney or agent, at any time. You're about to open a third-party website in a separate browser window. If you use any Mark, you agree to deliver a sample to us upon our request. Deposit and loan products are offered through Frost Bank, Member FDIC . The availability of funds you deposit via Digital Deposits may also be delayed for a variety of additional reasons as determined in Banks sole discretion, including, but not limited to: We believe a check you deposit via Digital Deposits is a duplicate image. Your rights will terminate automatically without notice from Frost if you fail to comply with these terms or if Frost terminates the use of your Mobile Card or the Digital Wallet Service. Others do. We have written procedures for providing and maintaining security for customer data and records. (1) Your Ability to Withdraw Funds The provisions in this Section VI.C. S. Substitute Check means a paper reproduction of an Original Check with an accurate, legible image of the front and back of the Original Check, and that conforms to standards established by the Federal Reserve Board. We also reserve the right to change any other term of this Agreement at our sole discretion, but we will make reasonable attempts to notify you of such changes. (1) What is a Substitute Check You will have no liability for unauthorized transactions if you notify us within sixty - Locate 1,700+ Frost ATMs and 150+ financial centers. 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. Notify Us of Inaccurate Information We Report to Consumer Reporting Agencies Minimum Opening Deposit. If you will need the funds from a deposit right away, you should ask us when the funds will be available. Yes. (1) Manner of Withdrawal We may charge you a fee for each stop payment order you give us in accordance with our fee schedule. Further, the Account is subject to the right of setoff as further described in Section VI.M. We may require a separate form for each agent and for each Account for which you want to grant a Power of Attorney. For disputes less than $100,000, a single arbitrator will conduct the arbitration and will use substantive Texas law, the applicable statutes of limitations, statutes of repose, and conditions precedent to suit, and will honor claims of privilege recognized at law. FROST WILL NOT BE LIABLE TO YOU FOR ANY CIRCUMSTANCES THAT INTERRUPT, PREVENT OR OTHERWISE AFFECT THE FUNCTIONING OF ANY MOBILE CARD, SUCH AS UNAVAILABILITY OF THE DIGITAL WALLET OR YOUR WIRELESS SERVICE, COMMUNICATIONS, NETWORK DELAYS, LIMITATIONS ON WIRELESS COVERAGE, SYSTEM OUTAGES, OR INTERRUPTION OF A WIRELESS CONNECTION. No award or relief will be granted by the arbitrator except on behalf of, or against, a named party. For purposes of arbitration, you includes any person who is listed on your Account, and Bank includes Frost Bank, all its affiliates, and all third parties who are regarded as agents or representatives of ours. How To Log In To Your Frost Bank Account From a Mobile Phone or Tablet. Bank service fees and Bank penalty fees are processed within each fee category, from the lowest dollar amount to the highest dollar amount, with Bank service fees processed first. (9) Multiple Signatures We are not required to monitor or enforce any multiple- signature requirement, even if your Signature Card specifies that multiple signatures are required or you have otherwise instructed us to do so. You have overdrawn your Account repeatedly in the last six months. We are not required to determine your Current Balance more than one (1) time during this period. J. Double . (1) Notice of Amendments You agree that from time to time we may amend the terms and conditions of this Agreement, including without limitation all rates, fees, and charges, to the extent permitted by law. A Partys invocation of the dispute resolution provisions under this Agreement applies whenever there is a dispute between you and Frost Bank. The best banks in the U.S. typically offer simple bank accounts with a small minimum opening . You are granted a non-exclusive, non-sublicensable, non-transferable, personal, limited license to install and use the Mobile Card and the Digital Wallet Service on your Supported Digital Wallet Device solely in accordance with these Digital Wallet Service terms and this Agreement. Examples include but are not limited to: Loading, topping up, or adding funds to prepaid card accounts, Moving funds into an eligible checking or savings account, Person-to-Person (P2P) transfers via a debit card, (iii) Limitations on Business Accounts. If you hold an open account of any type with a bank, they will cash a valid check for you. A. Please notify us if we report any inaccurate information about your Account(s) to a consumer reporting agency. (1) Notice of Amendments Relationship to Your Digital Wallet Provider (2) Exceptions We may let you withdraw money from your Account before the maturity date without an early withdrawal penalty: 1) when one (1) or more owners on the Account dies or is determined legally incompetent by a court or other administrative body of competent jurisdiction; 2) when the Account is an Individual Retirement Account (IRA) established in accordance with Title 26 U.S.C. We may reasonably determine that you were negligent or that you failed to exercise reasonable care, for instance, if you do not promptly report one (1) or more unauthorized transactions to us. However, Frost Bank customers also have a responsibility to themselves and to others (including Frost Bank employees) to ensure that everyone who is present on the Premises conducts themselves in a respectful, safe and secure manner to promote a safe and pleasant in-person banking experience. Governing Law; Dispute Resolution; Arbitration; Statute of Limitations Checks received by us that are drawn against your master account will be presented for payment against the transaction subaccount. In addition, we may report to the IRS multiple cash transactions which together total more than $10,000 in any one The Bank reserves the right to change any or all of the Security Procedures offered and/or used at any time by giving oral or written notice to you. To select a convenience Account, you will need to choose the convenience Account option of the Texas Uniform Single- or Multiple-Party Account Selection Form according to Section 113 of the Texas Estates Code. Deposit accounts include checking, savings, money market, CDs and . As such, we advise you to make your stop payment request to Frost Bank at least three (3) business days prior to your next regularly scheduled pre-authorized debit transaction date. This will typically include your driver's . Frost Bank is committed to providing you robust fraud protection services and tools. A. If you do not opt-in to allow us to pay one-time debit card transactions that result in an Overdraft, we may still pay those transactions, in our sole discretion, and you are still required to promptly repay us the amount of the Overdraft, but we will not charge you a fee. The Bank will replace the Security Procedures in accordance with the Banks standard security requirements related to Digital Deposits. C. Representations and Agreements; Indemnity Instead, the debiting amount, along with the corresponding check number (if available) will appear under the Other Withdrawals/Debits section of your statement. Find the nearest Frost Bank location near you | Branches, ATMs, Banking, and Financial Services in Texas 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. A Substitute Check that you receive is the legal equivalent of an Original Check for all purposes. This is called endorsing the check. If you do and the check is presented for payment before the actual date on the check, we may pay it or return it unpaid. (60) calendar days after the statement showing the transaction has been mailed to you. The arbitrator can award damages or other relief provided for by law to you or Frost, but not to anyone else. Frost Bank Credit Card login: can check the location in Texas account customers and expand overdraft to be available to all Frost Plus & Frost personal account. The front of a Substitute Check states: This is a legal copy of your check. If we refuse a deposit, we may take the check on a collection basis, which means we wont add funds to your Account until we have actually been paid for the check. Literally. You also understand and agree that we may terminate your Account immediately if you become engaged in any of the activities described in this paragraph during the course of your relationship with us. No Electronic Image submitted by you to us represents an Original Check that has already been collected. Lodefast: Best for Akimbo Card Carriers. IV. Non-resident aliens without a Social Security Number are required to provide an official document issued in their country. You have even more options for depositing checks, though. If you do not want us to pay a post-dated check, you must place a stop payment order on it (see Sections VI.H. This is usually a quick process. R. Cash Vault Services and Smart Safe Services KeyBank. (9) Multiple Signatures H. Stop Payment Orders for Checks (1) Penalty (Stop Payment Orders for Checks) and X.B.10 (Stop Payments on ATM, POS or Debit Card Transactions) for more information regarding stop payment orders). (2) General Information See how easy it is to deposit checks with the Frost App for iPhone and Android devices. You agree that we may return a postdated check to the presenter. We are here to answer any questions you may have about this Agreement or about your Frost Bank Account(s). Please note that some of the listed transactions may be pending charges, which are temporary and are subject to change (for instance, pre-authorizations at restaurants and hotels). - Send money to anyone, anywhere in the U.S. and make bill payments on the go. Frost does not currently charge any fees for using the Digital Wallet Service. Similarly, if one of the account holders owes money, the creditor can try to collect from money in the joint bank account. A. Additional Authentication Information, or AAI is information used in conjunction with various online and mobile banking authentication procedures that we may employ, including, but not limited to, security questions and responses and/or use of other hardware-based and software-based security and authentication tools, programs and procedures. Monthly Service Charge. The separation of the two subaccounts is for regulatory accounting purposes and does not affect your use of your checking Account in any way. With these, you can usually cash checks at any of the bank's branch locations or ATMs. While we may accept non-conforming endorsements, you will be responsible for any loss incurred by us due to the delay in processing or returning the item for payment. You agree that we shall not have any liability for any breach of any representation, warranty or covenant of this Agreement to the extent caused by: (1) the unavailability of the external connection services and other Internet network functions for Digital Deposits; (2) any use of the Digital Deposits by you in a manner not as set forth in this Agreement or the Documentation, or in a manner for which it was not designed, or in combination with systems, products or components not supplied or approved in writing by us; or (3) your use of Processing Software, equipment or other systems not approved or supplied by us. E. Withdrawal Rules In addition to your ability to request that a Wire Transfer be sent in a currency other than U.S. dollars, Wire Transfers that are denominated in U.S. dollars but contain instructions from you for us to send to an account denominated in a foreign currency, may be converted by us or converted by an intermediary or correspondent bank or the receiving bank, in such entitys sole discretion, into the applicable currency of the country the Wire Transfer is being sent to. That organization will apply its procedures in effect at the time the arbitration claim is filed. If we Truncate (as defined in Section VII.B. to any branch of your bank. You'll have the most success with a government-issued or payroll check, but you may be able to cash small personal checks as well. We will not be liable for any actions of the agent until we have received either notice of the Account owners death, or written notification that the Account owner has revoked the agents authority, and have had reasonable time to act on such notice. Flammable liquids, fireworks, or other corrosive items are not allowed on the Premises, and hover boards or electronic scooters are not allowed in the interior of any Premises. You agree immediately upon notice from us to deposit funds sufficient to cover the amount of any Overdraft plus any Overdraft fees, if required. Despite the name, these Accounts can be checking Accounts, and not just savings Accounts. You may transfer up to $5,000 per card per day between your Account and other eligible accounts through Account Funding Transactions (AFTs). You represent that for Digital Deposits, you consider the Security Procedures to be commercially reasonable with respect to the size, type, and frequency of deposits you anticipate submitting. Only one (1) notice will be given in the case of joint Account Holders, and notice to any one (1) Account Holder is deemed notice to all Account Holders. A. Frost has the right to employ counsel of Frosts choice to defend and control of any such matter subject to indemnification by you. In addition, we have the right to destroy your statements if you have not claimed them within sixty (60) calendar days. If we are not going to make all of the funds from your Digital Deposits available on the first Business Day after the day of your deposit, we will notify you at the time you make your deposit. DIGITAL WALLET SERVICE (3) Notice Requirements We retain the right to require you to give at least seven (7) calendar days notice in writing prior to any intended withdrawal from your Account. You agree to be liable to us for any loss, costs, or expenses, including, without limitation, reasonable attorneys fees, that we may incur as a result of any conflicting instructions, dispute or legal proceeding involving your Account. (8) Signatures A Partys invocation of the dispute resolution provisions under this Agreement will apply without limitation, regardless of whether: (i) your Account is closed; (ii) you pay us in full any outstanding debt you owe; or (iii) you file for bankruptcy. This allows us to contact you when we identify a potentially fraudulent Debit Card transaction. 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. (2) Multiple-Party Accounts Our rights and liabilities for payment of any sums on deposit in these types of Account shall be governed by the Texas Estates Code, as amended from time to time. If you are engaged in any of the activities described above, you must disclose such fact prior to opening your Account with us, we reserve the right to request proof of current certifications or licensing for such activities, and we reserve the right to deny you an Account based on such activity. A. You may change your phone number by following the steps outlined at www.frostbank.com. A business that receives your check by mail or otherwise, and converts it to an electronic debit via ARC, POP or BOC should give you notice of the conversion, and such business has the option to destroy the Original Check. (2) Notice of Receipt This Agreement will be binding on your personal representatives, authorized agents, executors, administrators, and successors, and on our successors and assigns. However, if we do not determine that the withdrawal or debit is a represented Item and we return it due to non-sufficient funds or we pay the Item that results in an Overdraft, you will be charged the corresponding fee. Purchases or other transactions you make with any of your Payment Cards are governed by the card member agreement for the Payment Card you used to create your Mobile Card. * Locate 1,700+ Frost ATMs and 150+ financial centers. Frost customers can securely deposit checks with a generous daily lim. If you deposit items which bear the endorsement of more than one person or of persons who are not signers on the Account, we may refuse the item or may require you to have their endorsement guaranteed before we accept an item. You understand that your third-party agreements may, however, contemplate fees, limitations, and restrictions which might affect your use of any of your Mobile Card(s) (such as data usage or text messaging charges imposed on you by your wireless carrier). (1) Provisional Payment Credit we give you with respect to an ACH credit or Wire Transfer entry is provisional until we receive final settlement for such entry through a Federal Reserve Bank. An Electronic Image rejected in this manner is not deemed received by us. Governing Texas law may be supplemented as necessary by federal law. 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. Should a drawee financial institution or other third party make a claim against us or seek recredit with respect to any Electronic Image, we may provisionally freeze or hold aside a like amount in your Account pending investigation and resolution of the claim. (i) Stop Payment Rights If you have told us in advance to make regular electronic funds transfers or ACH transactions out of your Account(s), you can stop any of these payments. By selecting a Mobile Card and placing your Supported Digital Wallet Device near a merchants contactless-enabled POS terminal or reader or using that Mobile Card for an in-app purchase, you are authorizing the payment for the merchants products or services with that Mobile Card through the Digital Wallet Service. B. Strong, robust encryption technologies are used for computer-generated customer data and records. The rights in this notice do not apply to Original Checks or to electronic funds debits from your Account. The most important part of cashing a third party check without a personal account is proving you are the person whose name is written on the check. Yes, most banks and credit unions support ATM check deposits as long as you have an account with that bank. In addition, you may not stop payment on checks governed by separate agreement, such as a check guaranty agreement. on the business day after the day of the deposit, if you deposit the cheque in any other manner (for example, ATM or mobile deposit) if the cheque is for $100 or less, you must receive the entire amount. Note that many banks charge a fee for cashing a check if you aren't an account holder there, like the following: Bank of America, Member FDIC: $8 for checks greater than $50. In addition, Frost also utilizes certain geo-location fraud prevention services. (Cash consists of currency and coin, both domestic and foreign.). We may amend the Frost Online Banking Agreement and Disclosure from time to time, as set forth therein, and such amendments may not occur at the same time we amend this Agreement. If you and the Bank are unable to agree upon the appointment of the third arbitrator, your designated arbitrator and Banks designated arbitrator shall jointly select an arbitrator who shall act as the third arbitrator on the panel of three (3). You may withdraw up to $1,000 per card per day at ATM terminals (separate ATM machine withdrawal limits may apply). Bank shall not be deemed to have finally received and accepted any Smart Safe deposit until such deposit has been physically verified by Bank or the Smart Safe Vendor at the direction of Bank. The Carrier must continue to meet our vault location requirements. We strongly encourage you to review the Security Procedures, requirements and recommended practices. XI. C. Consent to Autodialed and Prerecorded Phone Calls and Text Messages; Consent to Fraud Alert Text Frost is not liable for any failure or performance of any Digital Wallet or any third partys products or services. U.S. Bank. Arbitration shall occur in the county seat of the Texas county of your permanent residence, or if your permanent residence is outside the State of Texas or the U.S., then in San Antonio, Texas. Subject to applicable law, we may charge a dormant Account fee on the Account, and the Account will be presumed to be abandoned. Each Account you open is subject to these general terms and conditions and any specific terms and conditions relating to that type of Account that may be set forth in any applicable agreement or any Schedule. A Health Savings Account is an Account permitted by the federal government which qualifying individuals may be able to use to obtain tax advantages when saving and paying for medical and other permitted health expenses. 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