For New Accounts, we may take up to twenty (20) Business Days to credit your Account for the amount you think is in error. This includes any losses incurred via natural acts of God, safe robberies, fire etc. 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. For fixed rate Accounts, we will use the rate in effect for your deposit. We are committed to maintaining the confidentiality and security of our customers financial information, which is consistent with Frost Banks values and commitment to customer service. We may require a separate form for each agent and for each Account for which you want to grant a Power of Attorney. We will not be liable to you for any damages you may suffer as a result of your Account being closed or the process that follows the decision to close your Account. The filing of a CTR is a common and routine event for all banks. HOWEVER, SUCH INDEMNIFICATION SHALL NOT EXTEND TO ANY DAMAGE OR LOSS DUE TO THE GROSS NEGLIGENCE OR WILLFUL MISCONDUCT OF BANK. You further represent that you do not derive any of your income from entities that are 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, either directly or indirectly (including, but not limited to, rental property income). Monthly Service Charge. A Party can file a written appeal to the arbitration administrator or request a new arbitration within thirty (30) calendar days of issuance of the award. 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. (vi) Attorney Client Trust (IOLTA) Subject to applicable law, an Attorney Client Trust Account (also referred to as an Interest On Lawyers Trust Account, or IOLTA) is an Account set up by an attorney or law firm to hold client or third-party funds in trust, separate from the attorneys or law firms funds. designation. Bank retains the ability to either approve or deny your use of Digital Deposits in Banks sole and absolute discretion. You may not rent, lease, lend, sell, redistribute or sublicense the Mobile Card or the Digital Wallet Service. 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. Meet Frost the smart digital account that compares and switches energy supplier for you, lets you pay like a local abroad, . 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. Your Digital Wallet provider, your wireless carrier, and other third-party websites or services integrated in any Digital Wallet have their own third-party agreements and you are subject to those third-party agreements when you give them your personal information, use their services, or visit their respective sites. Accordingly, you agree not to attempt to change any Original Check you write or receive into a Substitute Check unless we, in our discretion, have first entered into a separate written agreement with you to permit you to create Substitute Checks that we will honor when deposited into your Account. (14) Electronic Checks You may give a merchant information about your checking Account over the phone or over the Internet and authorize them to create an electronic withdrawal from your Account. All endorsements must appear on the back of the check or other item within the first 1-1/2 inches from the left side of the item when looking at it from the front, except that for Substitute Checks, endorsements that appeared on the back of the Original Check must also appear on the back of the Substitute Check. All disputes arising from or related to your Account or this Agreement shall be governed by the substantive laws of the State of Texas (without regard to its conflict of laws principles). 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. Frost likewise is not responsible for any information or other services provided to you by your Digital Wallet provider or any other third parties associated with any Digital Wallet. If your use of a mobile phone, mobile device, tablet, wearable device, or wireless Internet access is not encrypted, then any confidential Account information contained in such wireless or mobile communications can be intercepted without your knowledge or authorization. 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. 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. The availability of funds for deposits via Digital Deposits is set forth in the Funds Availability Policy Disclosure section of this Agreement. Frost Online Banking Services for Personal and Business Accounts 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). 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. D. Deposit Rules A MOBILE CARD AND THE DIGITAL WALLET SERVICE ARE LICENSED, NOT SOLD, TO YOU FOR USE ONLY UNDER THE TERMS AND CONDITIONS OF THESE TERMS OF USE. If you use this procedure with respect to a Personal Account, you may receive up to $2,500 of your refund (plus interest if your Account earns interest) within ten (10) Business Days after we receive your claim and the remainder of your refund (plus interest if your Account earns interest) not later than forty-five (45) calendar days after we receive your claim. You understand that information that is provided to or held by your Digital Wallet provider or other third parties in relation to any Digital Wallet is outside the control of Frost. Take a photo of the front and back of your check. An AFT is a transfer of funds from a Visa card account to another eligible account. Wells Fargo Check Cashing Policy For Non-account Holders. Some of the top banks and credit unions where you can cash third-party checks include the Bank of America, Citibank, HSBC, Chase, M&T, and Chartway Federal Credit Union. In the absence of retaining the relevant Original Check, you understand and agree you shall be solely responsible for the cost of any claim brought by the drawer of the check that for resolution would reasonably require access to relevant Original Check and shall indemnify us in accordance with the terms of the Digital Deposits Indemnity as set forth below. To facilitate your participation, you acknowledge and agree that Frost may make certain Account information relating to each Payment Card you have selected to use with the Digital Wallet Service available for display, including your most recent transaction data, but not your full Payment Card account number. Does your employer use positive pay so the issuing bank can know that the check was produced by your employer at the teller line? 721 Smith Rd. NetSpend: Best for Prescription Purchases. You agree that you will not use any third- party materials associated with the Mobile Card(s) or the Digital Wallet Service in a manner that would infringe or violate the rights of any party, and that Frost is not in any way responsible for any such use by you. Answer (1 of 5): Where are you trying to cash it. Pay the check amount plus the fee to certify the check. 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. Such negotiation may include an in person meeting between you and the Bank at a mutually agreed time and place, and an exchange of documents pertaining to the dispute. (1) What is a Substitute Check The purpose of the Bank Secrecy Act and other anti-money laundering laws is to help the U.S. Department of Treasury and law enforcement in their fight against criminal offenses, including money laundering and terrorist financing. 1. Original Check means the first paper check issued to or endorsed in your favor with respect to a particular payment transaction. Any written notice you give to us regarding your Account, including any problem with your Account, is effective when such notice is actually received by us and we have had a reasonable opportunity to act on it. For all checks and other items deposited into your Account, you warrant that all endorsements are genuine. A. These provisions do NOT apply to: (i) debits which the Bank is authorized to make from your Account(s) for service charges and other fees; (ii) preauthorized automatic transfers you have instructed Bank to make to another of your Account(s); (iii) payment of any loan that you have with us; and (iv) to certain other types of consumer transactions which are excluded from Regulation E. (3) Your Liability for Unauthorized Transfers Tell us AT ONCE if you believe your Frost Bank Debit Card or similar card, or your Frost Bank User ID, PIN or other device or code which accesses your Account has been lost, stolen or otherwise learned or acquired by an unauthorized person, or if you believe that an electronic funds transfer has been made without your permission using information from your check or otherwise. As part of our Debit Card Services (as defined in the Frost Personal and Health Savings Account Debit Card Agreement and Disclosure and the Business Debit Card Agreement and Disclosure), Frost Bank utilizes a unique Personal Identification Number (PIN) associated with each card. - View and zoom, save and print cleared check images. We use the daily . (Fraud and Loss Prevention; Legal Process; Legal Compliance; Reservation of Rights) of this Agreement, including, but not limited to, an interpleader action. If you and your spouse have this type of Account and desire the spouse to have right of survivorship in those funds upon the death of either spouse, you each will need to choose the Multiple-Party Account With Right of Survivorship designation on the Texas Uniform Single- or Multiple-Party Account Selection Form according to Section 113 of the Texas Estates Code. (1) Your Ability to Withdraw Funds All other fees will be allocated according to the arbitration administrators rules and applicable law. You understand and acknowledge these provisions do not apply to any Business Account. We may charge any such debt against your Account at any time, without regard to the origin of deposits to the Account or beneficial ownership of the funds. The arbitrator(s) will decide the dispute in accordance with applicable Texas law, including recognized principles of equity and statutes of limitations, statutes of repose and conditions precedent to suit, and will honor all claims of privilege recognized by law. We value your relationship with us and hope that you find these frequently asked questions about cash reporting requirements helpful. (2) Multiple-Party Accounts You further agree that we are not responsible for any loss to you in doing so. Overdrafts will be handled in accordance with our Overdraft procedures or any other agreement you may have with us (such as an Overdraft Protection Agreement). We recommend that you conduct the transaction and provide the Bank with the required information. Bank of America: Bank of America permits checks written by Bank of America customers. We are pleased to provide you with our Deposit Account Agreement (the Agreement as further defined below), which applies to any personal or business checking, savings, money market or CD account (each either a Personal Account or a Business Account and, collectively, Account(s) as defined below) you may have with Frost Bank. When a merchant re-presents a check electronically, that transaction is not covered by the Electronic Funds Transfer Act or this Electronic Funds Transfer disclosure. Statements (and any accompanying items) shall be deemed made available to you by mail on the third (3rd) Business Day after the date when we mailed the statement to your statement mailing address, and statements shall be deemed made available to you through Online Statement Delivery (if applicable) on the date when the statement is posted in Online Banking. We reserve the right to refuse any item for deposit into your Account. This section applies to other deposit Account types: (i) Formal Trust Account A Formal Trust Account is an Account held by you and one (1) or more other persons, each acting as a trustee for the benefit of one (1) or more beneficiaries according to a written trust agreement. Visit with a Frost Banker at your nearest Frost financial center. This Disclaimer of Warranties section shall survive any termination of this Agreement for any reason. Electronic Funds Transfers Generally. (11) Confidentiality N. Dormant Accounts You agree you are solely responsible for all such fees and agree to comply with such limitations and restrictions. There are limits on how much you can cash at Walmart. Frost has the right to employ counsel of Frosts choice to defend and control of any such matter subject to indemnification by you. $25. FOR PERSONAL OR CONFIDENTIAL INFORMATION SENT TO OR FROM FROST OVER THE INTERNET FROM YOUR SUPPORTED DIGITAL WALLET DEVICE, FROST RESERVES THE RIGHT TO LIMIT SUCH CONNECTIONS TO SECURE SESSIONS THAT HAVE BEEN ESTABLISHED USING TRANSPORTATION LAYER SECURITY OR OTHER SECURITY STANDARDS FROST SELECTS. Other Features Include: * Send money to anyone, anywhere and make bill payments on the go. Non-resident aliens without a Social Security Number are required to provide an official document issued in their country. 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. We may also restrict the types or sizes of transactions we permit an agent to conduct. Additionally, insurance products are offered through Frost Insurance. We charge any such electronic debit to your Account when we receive it. 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. Account statements sent or made available to any Account Holder are deemed to be received by all Account Holders. We will notify you of any changes as required by law. This section pertains to individual Accounts: (i) Single-Party Account without P.O.D. D. Account Termination FROST, ON BEHALF OF ITSELF AND FROSTS SUPPLIERS, ALSO DOES NOT WARRANT AGAINST INTERFERENCE WITH YOUR ENJOYMENT OF ANY MOBILE CARD OR THE DIGITAL WALLET SERVICE, OR THAT THE FUNCTIONS CONTAINED IN, OR SERVICES PERFORMED OR PROVIDED BY, A MOBILE CARD OR THE DIGITAL WALLET SERVICE WILL MEET YOUR REQUIREMENTS, THAT THE OPERATION OR AVAILABILITY OF A MOBILE CARD OR THE DIGITAL WALLET SERVICE WILL BE UNINTERRUPTED OR ERROR- FREE, OR THAT DEFECTS IN A MOBILE CARD OR THE DIGITAL WALLET SERVICE WILL BE CORRECTED. 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. This limited right to use such software is revocable at the discretion of Frost. (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. Frost reserves the right to restrict the use of certain Payment Card types within the Digital Wallet Service. We strongly encourage you to review the Security Procedures, requirements and recommended practices. We can reverse any amount we have added to your Account for a deposited check and send the check on a collection basis even after we have taken physical possession of the check. (iii) Totten Trust Account If you, either alone or in combination with someone else, are named trustee(s) to this type of Account, then you own the Account in proportion to each of your net contributions to the Account. The Wallet allows you to make purchases using an added Payment Card wherever the Wallet is accepted. If you tell us orally or electronically, we may require that you send us your complaint or question in writing within ten (10) Business Days after you initially inform us. Deposit at an ATM onto a pre-paid card account or checkless debit card account. 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). A. Debit Card Services (Including Health Savings Account Debit Cards) 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. You must also inform the payee in writing of your revocation. Related: Best Frost Bank Offers and Promotions. Limitation of Liability Frost Online Banking Services for Personal and Business Accounts, As part of the Frost Online Banking Services as defined in the Frost Online Banking Agreement and Disclosure for Personal Accounts, and the Business Debit Card Agreement and Disclosure (or other similar agreement) for Business Accounts, you may use your computer or mobile device to obtain Account information, make certain funds transfers, and to arrange for payment of bills. You agree that this paragraph shall survive the termination of this Agreement for any reason. 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. Also, you and the Bank agree that the arbitrator(s) do not have authority to render a decision which contains reversible error of Texas or federal law, or to recognize a cause of action or remedy not expressly provided for under existing Texas or federal law. For cash reporting purposes, Frost Bank accepts passports and the Matricula Consular Card. 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. (3) Funds Availability Holds on Other Funds (Check Cashing) If we cash a check for you that is drawn on another bank, we may withhold the availability of a corresponding amount of funds that are already in your Account. We may deduct these fees and expenses from any of your Accounts without prior notice to you as further described in Section VI.M. 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. In accordance with our privacy statement as set forth in our Customer Privacy Statement. 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. Insurance. You agree that we may change the fees and charges from time to time and you authorize us to charge your Account for their payment even if the charge results in an Overdraft of your Account. By entering into this Agreement, you agree that you are providing your express consent for Frost and any Frost third-party service provider to call you, text message you, or both at any phone number (including any mobile phone number) you provide to Frost or any Frost third-party service provider using auto-dialed phone calls, prerecorded phone calls, or both for any or all of the following reasons: (i) transactional purposes; (ii) informational purposes; (iii) to provide account alerts; (iv) to provide servicing information; (v) fraud prevention purposes; and (vi) any other purposes provided for in this Agreement or in any other applicable Frost agreements, including, but not limited to, Frosts Customer Privacy Statement. Separate form for each agent and for each agent and for each Account for which you want to grant Power. A common and routine event for all checks and other items deposited into your Account when receive. 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