P. Your Responsibilities, IX. YOU UNDERSTAND AND AGREE THAT YOU WILL BE RESPONSIBLE FOR MAINTAINING SECURITY AND CONTROL OVER ALL USER IDS AND PASSWORDS PROVIDED BY BANK, AND SHALL USE SECURITY FOR SUCH ITEMS COMPARABLE TO THE SECURITY AND CONTROL YOU WOULD USE FOR CASH, BUT IN NO EVENT LESS THAN REASONABLE SECURITY AND CONTROL IN THE CIRCUMSTANCES. The owner of an Agency Account may revoke the agents authority over the Account at any time by notifying us in writing. You agree that we may return a postdated check to the presenter. (3) Foreign Wires Governing Law; Dispute Resolution; Arbitration; Statute of Limitations. If you hold an open account of any type with a bank, they will cash a valid check for you. We will not be liable to you for refusing such a deposit. Such mediation will be scheduled to take place within thirty (30) calendar days after the notice is given. The arbitrator(s) decision, rendered in a reasoned opinion, will be final and binding on the Parties. 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. We will also pay any fees of the arbitrator and arbitration administrator for the first two days of any hearing. This provision limits your rights to a jury trial. Please note that you'll still be able to view the current page on frostbank.com. E. Withdrawal Rules Where there is any conflict of law regarding an appeal of any decision of the arbitrator(s), you and the Bank agree that Texas law shall control. 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). * Locate 1,700+ Frost ATMs and 150+ financial centers. You can also make purchases with your debit card. 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. (4) Changes We have the right to change the rates and fees in accordance with the Schedule. The legal obligation of a bank is to cash a check that has been sent out within six months; beyond that, there is no reason for the bank to do so. You should know that Frost Bank employs various security and authentication technologies to ensure that you (an authorized customer) are communicating directly with Frost Bank. Funds will be transferred from the savings subaccount to cover checks presented against the transaction subaccount as may be needed. A. The interest rate and annual percentage yield may change at any time at our discretion. If the Account is a joint or any other type of multiple-party Account, each joint or multiple-party Account Holder authorizes us to exercise our right of setoff against any and all Accounts of each Account Holder. 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). The typical Frost Bank Personal Banker salary is $19 per hour. The filing of this report is in no way meant to imply or suggest that you are engaging in any illegal activity. (3) Delivery and Receipt of Notices, VII. The transaction will appear in the Other Withdrawals/Debits section of your monthly Account statement. F. Use of Your Mobile Cards It does not in any way imply or suggest that the customer is engaging in criminal or suspicious activity. 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. - Locate 1,700+ Frost ATMs and 150+ financial centers. If your beneficiary is your spouse who is still alive at the time of your death, then the Account will thereafter be treated as your spouses Health Savings Account, and no tax on the Account balance will be due at your death. This Account may only be owned by one (1) individual, but you can give your spouse, or another agent, the power to make transactions with respect to this Account. We will extend this time period if you were not able to make a timely claim because of extraordinary circumstances. 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. Ask about any fees for cashing the check and less expensive options for getting your money. R. Cash Vault Services and Smart Safe Services. As stated earlier, Frost is not responsible for the Digital Wallet or any other services offered by your wireless carrier or any third party. Monthly Service Charge. To do this, the bank or check cashing place will usually ask for at least two forms of picture identification. We may establish the rate and amount of fees and charges based on profit, competitive position, deterrence of misuse of Account privileges by customers, and the safety and soundness of the Bank. Usually, when you deposit a check, you first need to sign the back of it. Given that your Supported Digital Wallet Device can be used like a Payment Card to make purchases, you must notify Frost in the event your Supported Digital Wallet Device is lost or stolen with the same urgency as if your actual Payment Card is lost or stolen. Here are some reasonable options for cashing a check if you don't have a bank account: Go to the check-issuing bank. (1) Your Ability to Withdraw Funds These provisions apply only to demand deposit checking Accounts where deposits are made via Digital Deposits. Log in to Frost Online Banking and select the "Account Services" tab. You are responsible for the establishment and maintenance of your internal procedures reasonably adapted to insure the confidentiality and security of Security Procedures. S. Notices You agree that you will not allow any Third Party to use our Digital Deposits or to process Electronic Deposits to your Accounts without our prior written consent. Relationship to Your Digital Wallet Provider (Consent to Autodialed and Prerecorded Phone Calls and Text Messages) of this Agreement, you expressly consent to receive phone calls, text messages, push notifications, and emails related to the Digital Wallet Service from Frost and any Frost third-party service provider at any phone number (including any mobile phone number) and email address you have provided to Frost or any Frost third-party service provider. You may not grant a security interest in, transfer, or assign your Account to anyone other than us without our written consent. Fill out a deposit slip (if necessary) and sign the slip. (2) General Information These provisions apply to electronic fund transfers involving Personal Accounts. Account means each and every deposit account that you have established with us, or that we have opened at your direction, whether a Business Account orPersonal Account. 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. Online. (v) Financial Institutions Liability For Failure To Make Transfers If we do not complete a transfer to or from your Account on time or in the correct amount according to our Agreement with you, we will be liable for your losses or damages up to the amount of the transfer. Withdrawal categories are generally processed in the following order: ATM and Debit Card transactions are processed in the order we received them, provided that such ATM or point-of-sale terminal or network is properly operating. However, by noting the assignment, we do not have any responsibility to assure that the assignment is valid. Documentation means the online help files or written instructions and materials made available or supplied by Bank that provide the description, methods of operation, and required procedures to engage in Digital Deposits activities. Deposit at an ATM onto a pre-paid card account or checkless debit card account. A foreign item may be returned unpaid much later (sometimes many months later) than checks or other items that are drawn on banks located in the U.S. 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. Q. (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. No, the IRS does not directly check your bank account. If you want us to consider authorizing these transactions when the amount of your Available Balance is insufficient to cover the transaction at the time of authorization, you must provide affirmative consent, or opt-in, for us to pay one-time debit card transactions that would result in an Overdraft when the transaction is presented for payment and charge you an Overdraft fee, as allowed by applicable law. We use the daily . (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). Be sure to ask your bank or credit union for this policy. Funds that are deposited using Digital Deposits will not be deemed received by us until we have received an Electronic Image that meets all of the requirements for deposits via Digital Deposits (including all requirements to create a Substitute Check) stated in this Agreement and in the Digital Deposits documentation. If you open multiple Accounts, you may receive Schedule information and certain disclosures for each Account, but this Agreement will cover all your Accounts with us. Answer (1 of 5): Where are you trying to cash it. Frost Online Banking Services for Personal and Business Accounts We are not required to adjust your Account for discrepancies under $10. You must use your best efforts to cooperate with Frost in the prosecution or defense of any such claim. You further agree that we are not responsible for any loss to you in doing so. This applies at the time of Account opening and at all times thereafter. 2% of the check . Bottom Line. (i) ATM Transactions You can get a receipt at the time you make any transfer to or from your Account using one of our ATMs. Fees and Charges All Substitute Checks deposited via Frost Digital Deposits must be endorsed payable to the order of Mobile Deposit Only, Frost Bank, followed by your signature and Account number. Either you or the Bank may request mediation upon written notice to the other Party. Electronic Funds Transfers Generally. You understand that your use of the Digital Wallet Service is subject to the terms and conditions of this Agreement, including this Section VIII. We strongly encourage you to review the Security Procedures, requirements and recommended practices. (7) Electronic Check Conversion You may authorize a merchant or other payee to make payment via a one-time electronic funds transfer from your checking Account using information from your check to: (8) Represented Check Transaction You may authorize a merchant or other payee to electronically collect a fee associated with the re-presentment of a check that is returned due to insufficient or unavailable funds. (1) What is a Substitute Check To make check processing faster, federal law permits banks to replace Original Checks with Substitute Checks. These checks are similar in size to Original Checks with a slightly reduced image of the front and back of the original check. We may deduct these fees and expenses from any of your Accounts without prior notice to you as further described in Section VI.M. (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. B. If we suspect that your Account has been subject to irregular, unauthorized, fraudulent, illegal or unlawful activities, and we notify you regarding such activity, it is strongly advised that you close the affected Account and open a new Account. Cash your checks quickly and easily at any KeyBank branch or drive-thru. You agree that your use of the Digital Deposits after the Bank provides notice of such changes constitutes your acceptance of the new Security Procedures. For transactions processed through the Visa system, you will have no liability for unauthorized transactions in accordance with the networks respective policy regarding zero liability if you promptly report the unauthorized transactions to us. You understand and acknowledge that because of the risks involved, we may refuse, in our sole discretion, to provide Digital Deposits to you for any reason in our sole discretion, including if you or the Third Party retained by you does not meet our qualification criteria. 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. Fees. This includes any losses incurred via natural acts of God, safe robberies, fire etc. 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. 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. 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 in all cases, during the reasonable period of time described above, you are solely responsible for safeguarding all items you retain as required or permitted by Digital Deposits from destruction, alteration or theft. We will generally notify you if we delay your ability to withdraw funds for any of these or other reasons, and we will attempt to tell you when such funds will be available. In addition to the Security Procedures described in this Agreement, you are solely responsible for maintaining the confidentiality of your Digital Wallet provider User ID, your Digital Wallet provider passwords, your device passwords, and any other means that you may use to securely access the Digital Wallet Service on your Supported Digital Wallet Device. We may charge your Account a fee for each Legal Process. For two-party personal checks, the limit is $200, and for all other checks, it's $5,000though Walmart does increase this to $7,500 from . Access to individual identifiable records of customers is limited to employees with a valid business reason for such access. (2) If you do not comply with the requirements above, we are not required to reimburse you for any claimed loss, and you cannot bring any legal claim against us in any way related to the Item or errors. We urge you to carefully read the Agreement and keep it for future reference. Additionally, insurance products are offered through Frost Insurance. (5) Foreign Items A foreign item is a check or other item in any currency (including U.S. dollars) that is drawn on a bank or branch of a bank located outside of the U.S. You should be cautious about accepting foreign items because foreign items are not subject to U.S. laws or regulations. Visit a retailer. 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. If funds from a deposit become available and you withdraw funds, that does not mean the check or other item you have deposited is good, has cleared, or has been paid by the paying bank. Any attempt to do so is a violation of the rights of Frost and its Third-Party Licensors. 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. It might include a missing signature, an unauthorized signature, or an alteration, or be a transaction that was otherwise not authorized by you. (2) Notice of Receipt We will notify you of the receipt of payments in the periodic Account statements we provide to you. In that case, your bank account can remain in your name only, but the person you name in your power of . N. Indemnification Sufficient Image Copy means an Electronic Image of an Original Check or Substitute Check that is capable of printing a Sufficient Copy of such Original Check or Substitute Check. Proceeding with using the Digital Wallet Service constitutes your assent to and acceptance of the terms and conditions contained herein. If you encode information on or with respect to an item after issue, you warrant to us, any subsequent collecting bank, and to the payor bank that the information is correctly encoded. FROST MAKES NO GUARANTEES ABOUT THE INFORMATION SHOWN IN THE DIGITAL WALLET SERVICE SOFTWARE OR HARDWARE IT CONTAINS AND MAKES NO REPRESENTATIONS, WARRANTIES, OR GUARANTEES REGARDING THE SAME. If you do not accept any revisions made to these terms, your sole and exclusive remedy is to cancel your use of and delete all Mobile Card(s) and to cease using the Digital Wallet Service. (3) Holds on Other Funds (Check Cashing) By entering into this Agreement and providing Frost with your valid mobile number (whether or not you have indicated to Frost it is a mobile number) and valid email address that Frost keeps on record for you, you understand and agree that Frost or Frosts third-party service provider will send such fraud alert messages to both your current mobile phone number (via text message) and current email address as part of such fraud prevention service. the sender of the ACH debit transaction), but this may stop all ACH items from this sender. B. Lily Collins reveals she'd 'love to have a family' with husband Charlie McDowell and says Emily In Paris has made her take more risks in life as she channels Audrey Hepburn in stunning shoot The transaction is not covered by the Electronic Funds Transfer Act or Regulation E, but is governed by the Uniform Commercial Code (UCC) and other applicable Federal Reserve Board Regulations. We have no duty to visually inspect signatures or other information on a check presented for payment, and other than the signature of the drawer, the identification of the payor bank and payee, the amount (numeric over words if contradictory) and any MICR encoded information, we have no duty nor are we bound to look at any other information on the check and can disregard such information in our sole discretion. P. Your Responsibilities, (1) Payment Card Enrollment in Your Digital Wallet. Prior to binding arbitration described in this Agreement, you and the Bank shall first attempt to resolve any dispute arising out of your Account or this Agreement through negotiation. Q. 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. We also reserve the right to require additional information, documentation or actions from you or the agent in accordance with our rights to do so under Texas Estates Code Section 751.201 and Sections 751.203 205 to satisfy any questions or concerns we may have regarding a Power of Attorney submitted to us. For all checks and other items deposited into your Account, you warrant that all endorsements are genuine. D. Limitation on Liability Texas roots. 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. Creating a valid Substitute Check takes specialized equipment and adherence to precise specifications. If you want to transfer ownership, we may require that you close the Account and open a new Account in the name of the transferee or pledgee. You agree to safeguard your Supported Digital Wallet Device at all times and not leave it unattended. We, our correspondent banks, and other banks involved in the Wire Transfer process may charge additional fees or convert currency, in some cases providing compensation to us. R. Security Procedures means any security processes, controls or authentication methods that the Bank may require for one or more of the products or services that Bank provides under this Agreement or under any other agreement, as amended from time to time, that is applicable to the specific type of Account you have, or specific type of product or service that we offer to you, and which may vary based upon your Account type or the products and services you choose to receive from us. For claims in excess of $100,000, the matter will be decided by a panel of three (3) arbitrators, one of whom shall be appointed by you and one by the Bank. (iii) Periodic Statements You will get a monthly Account statement from us, unless there are no transfers in a particular month. 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. 5 business days after the day of the deposit. (10) Stop Payments on ATM, POS, or Debit Card Transactions (60) calendar days after the statement showing the transaction has been mailed to you. Withdrawals and transfers from your Account may be restricted as provided in any applicable Agreement or Schedule, or applicable law. With any Account type, each joint Account Holder, designated agency signer (see below for description of Agency Account), convenience signer, and Power of Attorney or agent acting on behalf of a joint Account Holder, without the consent of any other Account Holder or signatory, may, and hereby is authorized by every other joint Account Holder, to make any transaction permitted under the Agreement, including without limitation: to withdraw all or any part of the Account funds; to (except for agency signers and convenience signers) pledge the Account funds as collateral to us for any obligation, whether that of one (1) or more Account Holders or of a third party; to endorse and deposit checks and other items payable to any joint Account Holder; to give stop payment orders on any check or item, whether drawn by that Account Holder or not; and to close the Account, with the disbursement of Account proceeds as instructed by the Account owner or joint Account Holder. 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. And because we put people first, you'll get the kind of . 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. 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. Since 1868, Frost Bank has recognized and respected our customers right to confidentiality. (4) Holds on Other Funds (Other Accounts) Types of Account Ownership They will generally be available no later than the seventh Business Day after the day of your deposit. Q. 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. You understand and agree that should you implement the Positive Pay services incorrectly or if you fail to follow the required procedures for the Positive Pay services, you will be precluded from asserting any claims against us for paying any unauthorized, altered, counterfeit or other fraudulent item that the Positive Pay Service is designed to detect or deter, and we will not be required to re-credit your account or otherwise have any liability for paying such items. In addition, we may also place a Hold on some or all of the funds in your Account, or on particular transactions on your Account, without any liability to you, in accordance with our obligations under Texas Finance Code Chapter 280 (Protection of Vulnerable Adults from Financial Exploitation) to investigate and report suspected incidents of financial exploitation against vulnerable adults as defined under that law, which includes adults who are sixty-five (65) years or older or a person with a disability. Frost Bank shall have no liability to you for refusing to accept a Power of Attorney if such refusal is in accordance with Texas Estates Code Section 751.206, and we provide you with the Written Statement of Refusal of Acceptance as required under Texas Estates Code Section 751.207. 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. B. You authorize us to deduct any such loss, costs, or expenses from your Account without prior notice to you or to bill you separately, in our sole discretion. The funds in the other Account would then not be available for withdrawal until the time periods that are described elsewhere in this disclosure for the type of check that you deposited. sender) and receiver (i.e. The fees and expenses may include attorneys fees. If you make deposit via Digital Deposits on a day that is not a Business Day, we will consider such deposit made on the next Business Day we are open. Lost, Destroyed or Stolen Cashiers Checks, Tellers Checks or Certified Checks. You should review any minimum balance requirements on any applicable Schedule(s). Ingo Money: Most Versatile App. 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. K. Changes to Digital Wallet Service Terms 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. Also, if your Account statement shows transfers that you did not make, including those made by card, code or other means, tell us at once. Electronic Deposit means a file that contains information regarding each Electronic Image(s) to be submitted by you to Bank that meets all of the requirements imposed from time to time by Bank as set forth in this Agreement and the Documentation. You have the right, at your own expense, to employ separate counsel to participate in such matter on a non-controlling basis. (11) Confidentiality Yes, you can deposit checks at an ATM, and the process for depositing checks follows the same steps as the process for depositing cash. (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. (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. * Create memos for each transaction. If you have made a Statement Hold Request, you acknowledge and agree that we will hold your Account statement(s) rather than mailing them to you. 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