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. POP conversion may occur at a Point- of-Sale (POS) location where the business or merchant will have posted notice that your check will be converted to an electronic debit and may have you sign a receipt and may return your check to you after scanning your check. We may pay the withdrawal and may charge your Account for it. Creating a valid Substitute Check takes specialized equipment and adherence to precise specifications. In those cases, we will restrict your Account against all future withdrawals other than under Legal Process until pending transactions are paid or returned, the balance is no longer negative, and any legal restriction has been released. Some banks also have a limit to the amount of money you can deposit in a month, which can range from $2,500 to $50,000. All other fees will be allocated according to the arbitration administrators rules and applicable law. P. Your Responsibilities, (1) Payment Card Enrollment in Your Digital Wallet. In addition, Frost also utilizes certain geo-location fraud prevention services. 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. If the Party receiving a request for negotiation fails to respond within ten (10) calendar days of receiving such request, fails to attend the negotiation meeting within twenty (20) calendar days after responding to the notice of request, or otherwise declines to negotiate, such Party will be deemed to have waived its right to negotiate or mediate and the Partys only remedy is binding arbitration. (8) Our Responsibility for Collecting Deposits If you deposit or cash a check, or we send one for collection, we act only as your agent. recipient) as required by OFAC and the United States Department of Treasurys Financial Crimes Enforcement Network. (1) Individual Accounts An Individual (Single-Party) Account is an Account in the name of one (1) depositor only. 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. The Wallet allows you to make purchases using an added Payment Card wherever the Wallet is accepted. (2) Longer Delays May Apply We reserve the right to verify that any transaction carried out by an agent with the owner(s) of the Account. We shall be entitled to act upon any Legal Process served upon us which we reasonably believe to be binding, with no liability to you for doing so. Section 401, when you reach age 59 1/2 or become disabled; or 5) within an applicable grace period (if any). 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). The termination of this Agreement and closing of an Account will not release you from any fees or other obligations incurred prior to the date upon which this Agreement is terminated and the Account closed, any fees assessed by us in the process of closing an Account, or from your responsibility to maintain sufficient funds in your Accounts to cover any outstanding checks or other debit items. Over the phone. (1) Cash Vault Services Cash Vault Services allows a Business Account customer to have coin and/or currency deposits (Vault Deposits) delivered to a remote cash vault location for processing. This applies at the time of Account opening and at all times thereafter. 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. Possession or consumption of alcohol or illegal drugs is prohibited on the Premises, and smoking, including e-cigarettes and vaporizers, are only allowed on the Premises in specially designated areas. How do I cash a personal check without a bank account? Frost Brokerage Services, Inc. is a wholly owned subsidiary of Frost Bank. If the request is made less than three (3) Business Days in advance, we must have a reasonable opportunity to act upon the stop payment order. 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. HOWEVER, SUCH INDEMNIFICATION SHALL NOT EXTEND TO ANY DAMAGE OR LOSS DUE TO THE GROSS NEGLIGENCE OR WILLFUL MISCONDUCT OF BANK. Funds from cash and electronic direct deposits will generally be available on the day we receive the deposit. Frost reserves the right to institute charges for account access or for additional transactions or features in the future, but only after written and/or electronic notification to you in accordance with applicable law. Our policy is generally to make funds from your Digital Deposits available to you on the first Business Day after the day we receive your deposit. Funds will be transferred from the savings subaccount to cover checks presented against the transaction subaccount as may be needed. (7) Adjustments and Receipts (2) General Information These provisions apply to electronic fund transfers involving Personal Accounts. Withdrawals by mail will be posted to your Account as of the day the transaction is processed by us. INFORMATION ABOUT YOU AND YOUR ACCOUNT J. 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. The panel will reconsider all factual and legal issues following the same rules of procedure and, based on majority vote, determine whether any reversible error has occurred. (2) Account Changes You bear the sole responsibility for any and all costs of complying with required data breach notifications to individuals, credit bureaus and/or governmental entities as required by applicable law, and any and all costs for credit report monitoring of fraud monitoring associated with such security breach incident. Frost Bank Types of Account Ownership 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. If we do not have current exchange rates for the particular foreign currency involved, we will use our best efforts to promptly convert the currency through reasonable commercial and/or banking channels, and you agree to pay us a reasonable fee for such services. DIGITAL WALLET SERVICE (1) Your Ability to Withdraw Funds These provisions apply only to demand deposit checking Accounts where deposits are made via Digital Deposits. (3) We will not be liable for any Substitute Check that is altered or any signature that is forged or unauthorized unless you notify us within forty (40) calendar days after we made the statement available to you by mail or made the statement available to you through Online Statement Delivery or pursuant to a Hold Request. We may refuse items for deposit when an endorsement is missing if the payor has required two or more endorsements. The Bank must have the full name of the business, the permanent address and the federal employer identification number/Tax Identification Number. THIS PARAGRAPH SHALL SURVIVE TERMINATION OF THIS AGREEMENT FOR ANY REASON. (d) Community Property with Right of Survivorship Texas law allows persons who are married to each other to agree in writing that community property funds in an Account shall become the property of the surviving spouse on the death of either spouse. (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. Q. Checks or items prohibited by Banks current Documentation relating to Digital Deposits, or checks or items which are otherwise not acceptable under the terms of your Account(s). Security Procedures may include, but are not limited to, call-back procedures, request for personal identification, password, PIN number, telephone code words, or any other security code, algorithms, encryption or similar security devices. Either you or we may close your CD Account on any maturity date without cause, and we may close your CD Account prior to any maturity date if such CD Account is pledged as loan collateral or as otherwise necessary to satisfy any debt owed to us. 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. Fee: $3 for checks that are worth up to $1,000 and $6 for checks that are worth $1,000 to $5,000. Bank of America is the worst place to bank with! Personal Checking: You can open a Frost checking account with just $25. (11) Preauthorized Drafts The 55-year-old, who is married to former president Nicolas Sarkozy, put on a leggy display as she stepped out at the Saint Laurent show during Paris Fashion Week on Tuesday evening. On any transactions involving the Account, we may act on the instructions of the person(s) authorized in the resolutions, banking agreement, or certificate of authority to act on behalf of the Account Holder. If we decide that there was no error, we will send you a written explanation. Frost may not add a Payment Card to the Wallet if Frost cannot authenticate the Payment Card or if Frost otherwise suspects that there may be fraud associated with the Payment Card. Any payment to the convenience signer will not affect your ownership of the Account. Checks or other items containing apparent alteration to any of the information on the front of the check or item, or which you know or suspect (or should know or suspect) are fraudulent or otherwise not authorized by the owner of the Account on which the check or item is drawn. We will determine whether an error occurred within ten (10) Business Days after we hear from you and will correct any error promptly. When you open an Account with us, you give us information about yourself, confirm that it is correct, and understand that you have an ongoing obligation to provide us with updated and correct information so long as you maintain your Account with us. We may refuse to accept any check other than: (i) standard checks provided by us or approved by us in advance; or (ii) Substitute Checks conforming to Check 21 Regulations standards that were created from images of original standard checks provided by us. (3) How Do You Make a Claim for a Refund If you believe that you have suffered a loss relating to a Substitute Check you received and that was posted to your Account, please promptly contact us at 1-800-513-7678 or write to us at Frost Bank, Customer Service, P.O. If your account has been compromised, should you decide against closing an Account as required by us, or if you decide not to implement products or services that are designed to deter fraudulent activity after we have required you to implement such products or services, you will be precluded from asserting any claims against us for any fraudulent activity. (5) Foreign Items Once the Account information for a Payment Card has been stored in accordance with the Digital Wallet procedures, it is represented by a Mobile Card within the Digital Wallet function. After your Account is closed, we have no obligation to accept deposits or pay any outstanding checks, but we may reopen your Account if we receive a deposit, or we may apply an incoming deposit to satisfy any outstanding items or obligations owed to us. If we believe there is a dispute between joint Account Holders or we receive inconsistent instructions from the Account Holders, we may suspend or close the Account, require a court order to act, and/or require that all joint Account Holders agree in writing to any transaction concerning the Account. Lost, Destroyed or Stolen Cashiers Checks, Tellers Checks or Certified Checks. We may also restrict the types or sizes of transactions we permit an agent to conduct. $25. (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. Debit Card Services (Including Health Savings Account Debit Cards) The manner in which we process withdrawals or other debits may affect the amount of Overdraft or non-sufficient funds fees or penalties you may incur, as your Current Balance at the time each withdrawal or debit is processed will determine whether there are sufficient funds to pay the Item or not. Interest that has been calculated, but not paid to the Account, is called accrued unpaid interest.. Is there any way that I can avoid having this form completed and the transaction reported to the IRS? You agree that, other than our liability under Check 21 Regulations, if we do not properly complete a transaction according to the Agreement, we will not be liable in any event for losses or damages in excess of the amount of the transaction, and we will never be liable if circumstances beyond our control prevent the transaction, or if the funds in your Account are or may be subject to Legal Process or other claim. Monetary instruments are official checks, cashiers checks, money orders, foreign drafts, travelers checks and certain types of gift cards and other stored value products. We will tell you the results within three (3) Business Days after completing our investigation. Investments. We will not be liable to you for refusing such a deposit. All of our rules, regulations, and disclosures (including any provisions relating to interest) apply to your checking Account as a whole (i.e., at the master account level), without reference to the two subaccounts. You agree that you, as the Business Account Holder, shall be solely responsible for all acts of any such Third Party. In addition, you must notify us promptly if you do not receive an Account statement. R. Cash Vault Services and Smart Safe Services We may, in our sole discretion, terminate your Digital Deposits effective immediately if: (1) there is an occurrence of a material change in your Account activity or other risk analysis criteria as determined by us in our sole and absolute discretion; (2) we at any time determine that you (or your Third Party) does not meet our risk or other qualification requirements; (3) we discover any willful misconduct (including, but not limited to, types of fraudulent activity) on your part or any other party with respect to Electronic Images submitted for deposit by you using our Digital Deposits; (4) you are in default of any terms of this Agreement where such default gives us the right to terminate, immediately or otherwise, or close your Account; (5) you have not used Digital Deposits for a period of time deemed to constitute an inactive service by us (in our sole discretion); or (6) you are in default of any terms of the Agreement or any other agreement with us. B. The 615 ATMs at Valero Corner Stores, added to 469 ATMs operated by Frost Bank, will boost Frost's overall ATM network in Texas to 1,084. The Frost Commercial Mobile Deposit App allows you to easily deposit one or multiple checks and submit deposits directly to your account. More than $1,500. (v) Fiduciary Accounts With respect to all fiduciary Accounts, including, but not limited to, estate Accounts, guardianship Accounts, and conservatorship Accounts, and any formal trust Account, Texas Uniform Transfers to Minors Act Account, or Agency Account, at any time we may require such documents and authorizations as we may deem necessary or appropriate to satisfy us that the person(s) requesting or directing the withdrawal of funds held in the Account have the authority to withdraw such funds. Checks with a value greater than $50 will be charged $8 per check. The arbitrator can award damages or other relief provided for by law to you or Frost, but not to anyone else. Frost Bank will not tolerate violence or threats of violence or physical harm in any of its Premises. Such license does not allow you to use the Mobile Card(s) on any device that you do not own or control (or for which you do not have authorization to install or run the Digital Wallet Service or the Mobile Card, such as where prohibited by applicable security policies in the case of corporate users), and you may not distribute or make any Mobile Card or the Digital Wallet Service available over a network where it could be used by multiple devices at the same time. 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. (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. Notify Us of Inaccurate Information We Report to Consumer Reporting Agencies. In receiving checks from you for withdrawal or deposit, we act only as your agent. To the extent that any of the defined terms in this Agreement or in the Documentation use a term not defined herein but otherwise defined in Regulation CC, then such definition also incorporates the meaning assigned to the applicable term as set forth in Regulation CC. 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. (2) Longer Delays May Apply In some cases, we will not make all of the funds that you deposit via Digital Deposits available to you on the first Business Day after the day of your deposit. 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. Please notify us if we report any inaccurate information about your Account(s) to a consumer reporting agency. In addition, federal statute permits us to report information about your Account to credit bureaus, and you hereby consent for us to do so. Subject to applicable law, we may charge a dormant Account fee on the Account, and the Account will be presumed to be abandoned. Frost will pay any costs that are required to be paid by Frost under the arbitration administrators rules of procedure. 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 agree not to disable any of these security features and to use these security features and procedures to safeguard all your Mobile Cards. Back to top. You agree you are solely responsible for all such fees and agree to comply with such limitations and restrictions. Once funds are available, you can withdraw the funds in cash and we will use the funds to pay checks that you have written. ADDITIONALLY, YOUR SUPPORTED DIGITAL WALLET DEVICES BROWSER IS GENERALLY PRE-CONFIGURED BY YOUR WIRELESS CARRIER. You acknowledge that the terms of the Texas Uniform Commercial Code Section 4.209 pertain to all encoded items. We may use subsequent deposits and other credits to your Account to cover any Overdraft amount and any Overdraft fees charged to your Account. However, federal laws require that we obtain specific information from you when conducting certain cash transactions. Required Disclosures Under Electronic Funds Transfer Act and the Consumer Financial Protection Bureaus Regulation E, (1) ATM and Debit Card Transfers and Limitations . (Payable on Death) Designation If you have opened this type of Account then you are the sole owner of the Account. 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. The Bank must also have the identifying information of the person conducting the transaction. (c) Multiple-Party Account with Right of Survivorship If this is the type of Account you have with us, then you and the other parties to this Account own the Account in proportion to each of your net contributions to the Account. 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. It is important that you understand that breaking transactions into amounts under any reporting amounts, commonly referred to as structuring, is a violation of federal law. For additional information, you can view transaction details by logging into Frost Online Banking Services or you can call the number on the back of your Payment Card to speak to a Frost banker. If Digital Deposits are terminated by us, we may accelerate all amounts due and to become due, and you agree to promptly make full payment to us of all amounts due and amounts incurred by you through your use of our Digital Deposits. can you cash a butterball check at the bank. (7) Agents Unless explicitly provided for in a Power of Attorney executed by the principal, an agent cannot appoint another agent, including, but not limited to, a convenience signer. We strongly encourage you to review the Security Procedures, requirements and recommended practices in your applicable agreement and disclosure and any supporting documentation regarding Frost Bank Online Banking Services, which includes Mobile Banking Services and Banks remote deposit capture services, Digital Deposits., C. Mobile Device and Wireless Internet Access. Be sure to ask your bank or credit union for this policy. You should read the rest of this Agreement and applicable Schedules for any applicable fees, interests, or other charges associated with your Account. G. Fees 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. F. Checking Subaccounts We may confirm the funds you deposit and, after review, may adjust your Account for any errors including any errors on your deposit slip. 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. O. (4) Changes If the Account is a Personal Account, then these transfers are governed by the Electronic Funds Transfer Act and Regulation E, and are also governed by the NACHA Operating Rules and Operating Guidelines and are also subject to the separate Frost Bank Electronic Funds Transfer Agreement and Disclosure as described in Section X.B. As stated earlier, Frost is not responsible for the Digital Wallet or any other services offered by your wireless carrier or any third party. A. We are not liable to you if these actions cause your Account to be overdrawn and checks or other items are dishonored because of insufficient funds. We provide this information only as a courtesy and convenience to you. In this Agreement, each and all of the depositors may be referred to as you, your, Account Holder or customer. Frost Bank may also be referred to as Frost, Bank, we, our, and us. Party refers to either you, your agent under any Power of Attorney, or Frost, as the case may be, and Parties refers collectively to both you, your agent(s) under any Power of Attorney, and Frost. U.S. Bank. The Bank is not agreeing to any Security Procedures or other procedure for the detection of errors. 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. You also might want to bring the following items: Your ATM card, debit card, secured card or prepaid card. (1) day. Should you desire to utilize Digital Deposits (Banks remote deposit capture services), you must request such services from Bank either in person, via telephone or via the applicable Internet banking services (e.g. On your death, ownership of the Account passes to the payable-on-death (P.O.D.) beneficiaries you have designated. In addition to the information required of you, the Bank must obtain the same information from the person conducting the transaction, except for occupation. 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. If the Parties fail to agree upon a designated mediator, or if either Party fails to participate in the mediation within the thirty (30) calendar day timeframe stated above, such Party will be deemed to have waived its right to mediate and that Partys only remedy is binding arbitration. Instead, the debiting amount, along with the corresponding check number (if available) will appear under the Other Withdrawals/Debits section of your statement. Head to the bank. In addition, the Bank is required to examine and record at least one (1) form of identification. If your Account has not yet earned enough interest so that the penalty can be deducted from earned interest, or if the interest has already been paid, the difference will be deducted from the principal amount of your Account. (2) Smart Safe Services Certain software that Frost uses to provide the Mobile Card(s) has been licensed from third parties (each a Third-Party Licensor) that are not affiliated with Frost. (ii) Notice of Varying Amounts If these regular payments might vary in amount and/or timing, the person you are going to pay will tell you ten (10) calendar days before each payment is due when it will be made and how much it will be. 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. - View and zoom, save and print cleared check images. Why are banks required to obtain this information on cash transactions over In any of these events, you agree that our sole obligation shall be to provide notice of our termination of Digital Deposits to you, and that such notification will be reasonable if it is mailed to your statement mailing address immediately upon termination. Visit a retailer. We will not be liable to you for refusing a deposit, even if it causes outstanding items to be returned. Substitute check takes specialized equipment and adherence to precise specifications address and the United States of... Account Holder, SHALL be solely responsible for all acts of any such Third Party, if! ) Adjustments and Receipts ( 2 ) General information these provisions apply to electronic fund transfers involving Accounts! To examine and record at least one ( 1 ) form of identification Death ) if... A Frost Checking Account with just $ 25 as may be needed print. 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Processed by us, SHALL be solely responsible for all acts of any such Third Party in any its! As a courtesy and convenience to you check images anyone else as the Account... May charge your Account when conducting certain cash transactions then you are the sole owner of the Account PARAGRAPH SURVIVE. Is required to examine and record at least one ( 1 ) form of identification DUE to the (. Directly to your Account Account statement this type of Account opening and at all thereafter... May be referred to as you, your SUPPORTED Digital Wallet DEVICES BROWSER is generally PRE-CONFIGURED by WIRELESS... Commercial Code Section 4.209 pertain to all encoded items available on the day transaction. Is required to be paid by Frost under the arbitration administrators rules of.! You, your SUPPORTED Digital Wallet DEVICES BROWSER is generally PRE-CONFIGURED by your WIRELESS CARRIER investigation... 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