The first $225 of your deposits, however, will be available on the first Business Day after the day of your deposit. If your Account had funds in it when closed, we may: (1) hold the funds for your pick up or to pay outstanding or expected items or claims; (2) deposit the funds in another of your Accounts with us; or (3) mail the funds in the form of a cashiers check to any of you by check at the address in our records for the Account. A. - Send money to anyone, anywhere in the U.S. and make bill payments on the go. (4) Substitute Checks Deposited by You, X. Even if not otherwise required, Frost will reimburse you up to $500 for any initial arbitration filing fees you have paid. (1) day. B. To help safeguard against potential unauthorized use of your Account, you should employ reasonable caution when using a mobile phone, mobile device, tablet, wearable device, or wireless Internet access to conduct any electronic transactions with us (including, but not limited to, SMS text message transactions). In addition, you acknowledge that the Electronic Image of the Original Check submitted to us shall be deemed an item within the meaning of Article 4 of the UCC as adopted in the Texas Business and Commerce Code. You should treat the voided check with care because someone else who obtains possession of it could use the information to initiate additional debits against your Account. 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. Such warranties also include the following two (2) specific warranties regarding transfer and presentment: You warrant that the Electronic Image that we convert to a Substitute Check meets the requirements described in 229.51(a)(1) (2) of the Check 21 Regulation (found at 12 CFR 229.51(a)(1) (2)) for legal equivalence; and. Any attempt to do so is a violation of the rights of Frost and its Third-Party Licensors. You acknowledge that we will not give next day notice to you of receipt of an ACH or Wire Transfer item. If you lose your debit card, you can always stop into one of Frost Bank's financial centers. 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. 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. No. (6) Our Right to Refuse Deposits We may refuse a deposit, or part of a deposit, to your Account at any time. There are limits on how much you can cash at Walmart. 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. (2) Final Payment We are not required to adjust your Account for discrepancies under $10. $10,000 and on cash purchases of monetary instruments in the amounts of $3,000 to $10,000? Fees could reduce earnings on the account. However, there are online check cashing options availablelike PayPal, Venmo, and Ingo Money. L. Hold means any funds that are in your Account but that you cannot withdraw because of Legal Process or other reasons as set forth in this Agreement, but does not include Funds Availability Holds. Depending on the type of check that you deposit, funds may not be available until the second Business Day after the day of your deposit. First Business Day after day of approval. Unless otherwise set forth in this Agreement, the Texas Business and Commerce Code shall govern liability for any losses regarding your Business Account. (Notice of Amendments). The third party must be named as a party in accordance with the rules of procedure governing the arbitration. You deposit checks totaling more than $5,525 on any one (1) day. Furthermore, you understand and acknowledge that if you do not implement and follow your own commercially reasonable hardware, software, physical access and physical storage Security Procedures regarding any of the data owned by you, which includes such data containing the sensitive personally identifiable information (PII) of any individual, the security of your Digital Deposits and/or the data owned by you (including sensitive PII) may be compromised. The Bank must also have the identifying information of the person conducting the transaction. Your Account may be debited at the time and on the day a check or other Item drawn on your Account is presented to us for payment, by any means and we pay it, or at an earlier time based on notification received by us that the check or other Item has been deposited for collection in another financial institution. 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. DIGITAL WALLET SERVICE Endorse the back of the check by signing your name in the endorsement area. We may agree with other banks regarding times and methods for collecting or returning items. You're about to open a third-party website in a separate browser window. ARC conversion may occur when you mail your check to a biller (e.g., credit card company, utility company) who uses the check information to initiate an electronic debit against your Account and may, at the billers discretion, destroy your check. We may pay any sum in the Account to a Party, including a Partys Power of Attorney or agent, at any time. 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 understand and acknowledge that we are relying on the truth and veracity of all Electronic Images submitted for deposit via Digital Deposits by you to us, and you warrant that such Electronic Images accurately reflect Original Checks that are, or at the time of the creation of the Substitute Checks, were, in your possession. F. Frost Bank Property, Branch and ATM Code of Conduct, IV. 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. Q. If we decide to do this, we will credit your Account within ten (10) Business Days for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation. More than $1,500. We reserve the right not to send statements on Accounts we consider dormant. (2) Longer Delays May Apply In some cases, we will not make all of the funds that you deposit by check available to you on the first Business Day after the day of your deposit. Your enrollment in the Digital Wallet Service does not impact any other agreement Frost has with you. B. In order for Frost to authorize your use of your Payment Card within the Digital Wallet Service, your Payment Card must be an eligible Payment Card type, your Payment Card and the underlying Account must be in good standing, and you must not be restricted from using the Digital Wallet Service based upon any limitations imposed by your Digital Wallet provider, your wireless service provider, and/or any third party associated with your Digital Wallet. Information Regarding Digital Deposits. As part of that commitment, and in addition to optional account activity alerts that Frost provides to you, we also may provide text and email-based fraud alerts to all Frost customers. O. L. Our Liability This means that each joint Account Holder, but not a designated agency signer or convenience signer, is fully and personally obligated to Frost Bank under the terms of the Agreement, including liability for Overdrafts and debit balances, irrespective of which joint Account Holder or signatory benefited from the withdrawal. Other Features Include: * Send money to anyone, anywhere and make bill payments on the go. Additional definitions regarding Digital Deposit terms are contained in Section VII (Digital Deposits). Relationship to Your Digital Wallet Provider In addition to the communications you expressly consent to receive under Section IV.C. FROST DOES NOT OPERATE THE DIGITAL WALLET OR SUCH NETWORKS AND HAS NO CONTROL OVER THEIR OPERATIONS. 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. Frost Bank has established procedures mandating training and education programs to inform all employees of the need to limit access to customer records and maintain the confidentiality of these records. Others do. In addition, Frost also utilizes certain geo-location fraud prevention services. Frost is the banking, investments and insurance subsidiary of Cullen/Frost Bankers, Inc. (NYSE: CFR), a financial holding company with $21.8 billion in assets at September 30, 2012. The stop payment request will be effective if we receive the order at such time and in such manner as to afford us a reasonable opportunity to act upon the stop payment order. Wire Transfers and Automated Clearing House (ACH) Transactions The average face value of a check presented to a check-cashing outlet is $442.30, with the average fee to cash that check being $13.77, or about 3.1 percent, according to the FDIC. (b) Community Property without Right of Survivorship In Texas, this type of Account only applies to persons who are married to each other, both of whom need to be named on the Account. Please feel free to call us at 1-800-513-7678. D. Deposit Rules 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. SWIFT, the Federal Reserve Wire Network (FedWire) or the Clearing House Interbank Payments System); (2) the settlement currency (unless otherwise instructed by you); (3) intermediary and correspondent banks; and (4) appropriate fee structures in order to facilitate Wire Transfers on your behalf. J. 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. 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. If you endorse a check outside of these areas, mark or otherwise obscure the other areas or a prior endorsement or make an endorsement that is illegible or incomplete, we may refuse the item or we may accept such nonconforming endorsement and you agree to hold us harmless from any loss, delay, liability, claim or damage which may arise as a result. Your Digital Wallet and your Supported Digital Wallet Device may contemplate certain security features and procedures to protect against unauthorized use of any of your Mobile Card(s). If you, as well as your employees, agents or Third Parties (if a Business Account Holder), have reason to believe that any Security Procedure has or may have become known by unauthorized persons (whether or not employed by you), you shall immediately notify the Bank by telephone and confirm such oral notification in writing to the Bank within twenty-four (24) hours of the oral notification. 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. You authorize us to store and use Signature Card information in any reasonable form we deem necessary, including any digitized signature capture or electronic storage process. Notify Us of Inaccurate Information We Report to Consumer Reporting Agencies. The third arbitrator shall be selected by mutual agreement of the parties. Currency will only be removed from the Smart Safe by an authorized Smart Safe Vendor representative. If you prefer banking from a mobile phone or tablet, Frost Bank also offers a mobile banking app, available for free on the App Store and Google Play. We are not required to close your Account at your request if you have pending transactions, the Account is overdrawn or your account is subject to Legal Process (such as garnishment, attachment, execution, levy or similar order). Fighting, vulgar language, harassing others, shouting, spitting, throwing an object, or pushing others is prohibited at all times. Your Digital Wallet may also allow you to view recent purchase transactions made by you with your Payment Card. We may accept any Power of Attorney that we believe was executed by you and may act on instructions we receive under such form. Online. Your Available Balance may be positive when a transaction is authorized, but your Current Balance may be negative when the transaction is later presented for payment, which may result in an Overdraft and an Overdraft fee. For cash reporting purposes, Frost Bank accepts passports and the Matricula Consular Card. We reserve the right to verify any transaction carried out by a convenience signer with the owner(s) of the Account. (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. Daily Balance means the application of a daily periodic rate to the full amount of principal in the Account each day. Meet Frost the smart digital account that compares and switches energy supplier for you, lets you pay like a local abroad, . We may, at our sole discretion, determine: (1) the routing method and settlement systems (e.g. 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. You can use it the same way you would use the Original Check. You may use a Substitute Check as proof of payment just like the Original Check. No, the IRS does not directly check your bank account. With over 5,000 locations, close to 90% of the population in the United States lives within 15 miles of a Walmart. G. Fees We cannot facilitate any transactions involving any individuals or entities that are listed on the United States Department of Treasurys Office of Foreign Assets Controls Specially Designated Nationals and Blocked Persons List.. Driver's licenses and passports are usually the best choices. In an effort to keep you informed of important regulatory policies and requirements, we have compiled a few frequently asked questions regarding cash transactions. P.O. (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. In addition, you agree to reimburse us for all claims, losses, costs and damages we may incur regarding any Electronic Image, Substitute Checks or IRD deposited by you. And there are plenty of other options available as well, including check . Once either Party has invoked the dispute resolution provisions under this Agreement, the only exceptions to the negotiation, mediation or arbitration of disputes are that: (i) you have the right to pursue a claim in a small claims court instead of arbitration if the claim is within that courts jurisdiction and proceeds on an individual basis; and (ii) we have the right to take any action described in Section III.C. If you want to add a Payment Card to your Digital Wallet, you agree to follow the procedures adopted by your Digital Wallet provider and any further procedures Frost adopts. It is anticipated that the arbitration will take place within ninety (90) calendar days after notice is given. 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. (2) General Information These provisions apply to electronic fund transfers involving Personal Accounts. The Account statement shall be considered correct for all purposes, and we will not be liable for any payment made and charged to your Account, unless you notify us in writing within certain time limits after the statement is made available to you by mail, sent to you at your statement mailing address, made available to you through Online Statement Delivery (if you are enrolled in Online Banking, your statement is available to you as soon as it is posted, free of charge. If your deposit is not made directly to one of our employees, or if we decide to take this action after you have left the premises, we will mail you the notice by the Business Day after we receive your deposit. Further, the Account is subject to the right of setoff as further described in Section VI.M. You agree that this paragraph shall survive the termination of this Agreement for any reason. 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. You agree to indemnify us from all loss, expense and liability related to a claim that such draft or check was not authorized by the persons on whose account it was drawn. You agree not to disable any of these security features and to use these security features and procedures to safeguard all your Mobile Cards. Stop payment orders remain in effect for 12 months. (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. If you share these credentials with anyone, that person may be able to use your Wallet to make purchases or obtain access to your personal and payment information available through the Digital Wallet Service. Such a stop payment request will not apply to any pre-authorized debit card transactions that are already being processed and are pending as of the date of your stop payment instruction, but it will apply to any future recurring pre-authorized debit card transactions. Please see our Customer Privacy Statement for your choices about information sharing. (4) Changes You agree to indemnify and hold us and our correspondent banks harmless against any and all losses, damages, claims, liability, costs, and expenses which we or they may suffer arising directly or indirectly out of the misuse, unlawful or unauthorized use of the Mark, regardless of whether you have been negligent. The Frost Commercial Mobile Deposit App allows you to easily deposit one or multiple checks and submit deposits directly to your account. Regardless of whether the check, which bears or purports to bear the Mark was, in fact, authorized by you. THE AGREEMENT FOR YOUR ACCOUNT 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. 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. Authorized by you, X Frost does not directly check your Bank Account Reporting Agencies available as,... Instruments in the Account to a party in accordance with the rules of procedure governing arbitration. Check as proof of Payment just like the Original check take place within ninety ( 90 ) calendar days notice. Accounts we consider dormant any other Agreement Frost has with you lets you pay like a local,. The go agree not to Send statements on Accounts we consider dormant fund. 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