You must contact us within forty (40) calendar days of the date that we mailed (or otherwise delivered by a means to which you agreed) the Substitute Check in question or the Account statement showing that the Substitute Check was posted to your Account, whichever is later. F. Frost Bank Property, Branch and ATM Code of Conduct, IV. J. In addition to the information required of you, the Bank must obtain the same information from the person conducting the transaction, except for occupation. The Smart Safe Vendor does not act as an agent of Bank in performing activities for Customer. Such negotiation shall be conducted in good faith, and confidential customer information disclosed or discussed in the course of the negotiation shall remain confidential as provided by law. What information am I required to provide to the Bank to complete a CTR? (90) calendar days to investigate your complaint or question. While we may accept non-conforming endorsements, you will be responsible for any loss incurred by us due to the delay in processing or returning the item for payment. We are here to answer any questions you may have about this Agreement or about your Frost Bank Account (s). (Stop Payment Orders for Checks) and X.B.10 (Stop Payments on ATM, POS or Debit Card Transactions) for more information regarding stop payment orders). Note that many banks charge a fee for cashing a check if you aren't an account holder there, like the following: Bank of America, Member FDIC: $8 for checks greater than $50. We may use funds held in multiple-party Accounts to repay the debts on which any one of you is liable, whether jointly with another or individually. Our policy is to generally make funds from your check deposits available to you on the first Business Day after the day we receive your deposit. You can cash a third-party check at some banks, credit unions, and several check-cashing stores across the country. Easy breezy payments. Electronic Funds Transfers Generally Credit Verification and Reporting Furthermore, if you provide us with an Electronic Image of a Substitute Check for deposit into your Account instead of an Original Check, you agree to reimburse us for all claims, losses, costs and damages we incur because the Substitute Check resulting from the Electronic Image does not meet applicable Substitute Check Standards or causes duplicate payments. DIGITAL DEPOSITS Frost Bank reserves the right to inquire about any deposits made, withdrawals from, or other disposition of funds or Account transactions or activity, regarding any or all of your Frost Bank Accounts, including, but not limited to, the right to contact you directly regarding any Account activities. (6) Our Right to Refuse Deposits We may refuse a deposit, or part of a deposit, to your Account at any time. To cash a check in the branch, bring your check and one form of ID, like a driver's license . Rates effective 02/26/2023. Such phone calls and text messages may include auto-dialed phone calls and text messages, prerecorded phones calls and text messages, or both. We reserve the right to refuse any item for deposit, to reverse credit for any deposited items or to charge your Account for items should they become lost in the collection process. 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. (iii) Tell us the dollar amount of the suspected error. A copy of the Substitute Check or the following information to help us identify the Substitute Check: the check number, the name of the person to whom you wrote the check, and the approximate amount of the check. Required Disclosures Under Electronic Funds Transfer Act and the Consumer Financial Protection The arbitration will be administered either by the American Arbitration Association (AAA) in accordance with its Commercial Arbitration Rules or Consumer Arbitration Rules, as applicable, and the Texas Arbitration Act, or by a like organization selected by the Bank in accordance with such organizations rules for resolution of commercial or consumer disputes, as applicable, and the Texas Arbitration Act. Information Regarding Digital Deposits. You agree you are solely responsible for all such fees and agree to comply with such limitations and restrictions. (11) Confidentiality In addition to the communications you expressly consent to receive under Section IV.C. (Cash consists of currency and coin, both domestic and foreign.). Gather two forms of photo identification. XI. O. Since 1868, Frost Bank has recognized and respected our customers right to confidentiality. You are responsible for the condition of a check or item when you issue it. Also, you understand that in certain instances we may request from time to time the Original Check to respond to claims made by the drawer of the check. (7) Electronic Check Conversion Compounding generally means that interest is being accrued on interest previously earned but not yet paid. The arbitrator(s) shall express their decision in a written award supported by findings made and signed by the arbitrator(s). Here are some reasonable options for cashing a check if you don't have a bank account: Go to the check-issuing bank. 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. Therefore, all Frost Bank customers must abide by the Frost Bank Premises code of conduct stated here. When the conversion occurs, we, intermediary or correspondent bank, or the receiving bank, will determine, in such entitys sole discretion, the currency exchange rate. Heres how: call us at 1-800-513-7678, or write to us at Frost Bank, Attn: Stop Payment Clerk, P.O. This allows us to contact you when we identify a potentially fraudulent Debit Card transaction. It's really easy to cash a check with Ingo Money. 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. You should review this provision carefully. Electronic Contact 2. THE FOREGOING LIMITATIONS WILL APPLY EVEN IF THE ABOVE STATED REMEDY FAILS OF ITS ESSENTIAL PURPOSE. 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. H. Suspension; Cancellation Yes, most banks and credit unions support ATM check deposits as long as you have an account with that bank. 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. As a KeyBank client, check-cashing services are available anytime, without a check-cashing fee. Upon receipt of final payment, the item becomes a collected item. A. 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. C. Funds Availability Policy Disclosure 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. Frost may disqualify a Mobile Card or discontinue providing any services to any individual suspected of violating the terms of this Agreement or the third-party agreements related to your Digital Wallet or the Digital Wallet Service in its sole and absolute discretion. FROST WILL NOT BE LIABLE TO YOU FOR ANY CIRCUMSTANCES THAT INTERRUPT, PREVENT OR OTHERWISE AFFECT THE FUNCTIONING OF ANY MOBILE CARD, SUCH AS UNAVAILABILITY OF THE DIGITAL WALLET OR YOUR WIRELESS SERVICE, COMMUNICATIONS, NETWORK DELAYS, LIMITATIONS ON WIRELESS COVERAGE, SYSTEM OUTAGES, OR INTERRUPTION OF A WIRELESS CONNECTION. We act only as custodian of the trust funds and are not acting as a trustee, nor do we need to inquire as to the powers or duties of the attorney or law firm as trustee(s). We will hold all deposits in the Account for the exclusive benefit of the minor. (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. D. Deposit Rules Generally, if you deposit a check or checks for $200 or less in person to a bank employee, you can access the full amount the next business day. We may refuse items for deposit when an endorsement is missing if the payor has required two or more endorsements. 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. 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. The Bank must have the full name of the business, the permanent address and the federal employer identification number/Tax Identification Number. This Agreement will control any conflicts between its procedures and this Agreement. In order to serve you better, and for quality assurance and other purposes, we reserve the right, but are not obligated to, record any customer service or other telephone calls between you and the Bank, and you consent to any recording. On your death, ownership of the Account passes to the payable-on-death (P.O.D.) beneficiaries you have designated. Q. Specialties: Banking. You have overdrawn your Account repeatedly in the last six (6) months. If we do place a Hold on your Account, we may give notice as required by the laws governing your Account. The filing of a CTR is a common and routine event for all banks. Q. (iii) Health Savings Account We can serve as your custodian for a Health Savings Account. The third party must be named as a party in accordance with the rules of procedure governing the arbitration. A. You may have the ability to decline to have the transaction data made available for display and still use the Digital Wallet Service, but you must follow the instructions for doing so in your Digital Wallet. Are banks required to report cash transactions over a certain amount? If we do not receive final settlement, you agree that we are entitled to a refund of the amount credited to your Account in connection with such entry, and the party (the originator of the entry) making payment to you by such entry shall not be deemed to have paid you the amount of such entry. E. Business Account means any Account that is not used primarily for personal, family or household purposes. A. Several check-cashing stores also offer third-party check . 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. We will not be liable to you for refusing such a deposit. We may pay any sum in the Account to a Party, including a Partys Power of Attorney or agent, at any time. The license granted hereunder is effective until terminated by you or Frost. (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. You have the right, at your own expense, to employ separate counsel to participate in such matter on a non-controlling basis. As is referenced above, the AAA or like organization will be the arbitration administrator. 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. (Substitute Checks Deposited By You) of this Agreement) the same as if such Electronic Image or Substitute Check were a paper check within the meaning of the UCC as adopted in the Texas Business and Commerce Code. If your bank is closed, won't cash the check, or won't give you more than $200 in cashor you don't have a bank accountyou can try to get cash at a retailer. For the avoidance of doubt, any transaction you make with your enrolled Frost Payment Card using the Digital Wallet Service will be considered the same as if you had presented your physical Payment Card in person to conduct the transaction and all applicable fees and interest will apply per the terms of your cardholder agreement with Frost. No Frost Bank customer will interfere with the safe operation of any Premises, and will comply with the instructions of Frost Bank employees, including security personnel. Note, however, that you are also responsible for notifying your Digital Wallet provider if your Supported Digital Wallet Device is lost or stolen. In addition, we may report to the IRS multiple cash transactions which together total more than $10,000 in any one The Check Cashing Store: Most Simple App. 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. Frost Bank is located in San Antonio, Texas, and that is where your Account was opened and is maintained. We will also tell you when the funds will be available. (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. We may close your Account (other than a CD) at any time for any reason or no reason. To complete transactions above a certain dollar amount, merchants may require presentation of a physical companion card or a government-issued form of identification for inspection to authenticate your identity. You are required to have an eligible Mobile Device (a Supported Digital Wallet Device) in order to use this service. Congregating or loitering near the entries, exits or ATM machines of the Premises in a way that causes an inconvenience to others or blocks entry, exit or access is prohibited. With second-party checking services, a percentage of the amount redeemed (1-3%) can be deducted to complete the credit check. Money orders can be used for a variety of purposes, including paying for large purchases through private sales, sending money to family members or putting a security deposit down on a new apartment. (13) Re-presented Checks You may authorize a merchant to create an electronic withdrawal from your Account for the amount of your check when the original paper check is returned to the merchant for insufficient or uncollected funds. The site you are about to enter may be less secure and may have a privacy statement that differs from Frost. 2pm local time. You deposit checks totaling more than $5,525 on any one (1) day. Once the Smart Safe deposit totals are received by Bank, customers designated Account is provided with provisional credit for the corresponding Smart Safe deposit amount. Frost has the right to employ counsel of Frosts choice to defend and control of any such matter subject to indemnification by you. 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. Notice may be made by mail or verbally or provided by other means such as via Online Banking or text alerts as permitted by law or updated balance information. (2) Withdrawal Restrictions and Overdrafts We process Items received by us for settlement each Business Day to determine your Current Balance in the manner described in this section. On your death, your ownership passes as a part of your estate under your will or by intestacy. There are over 130 in the state of . The following terms apply to withdrawals from your Account(s): (1) Manner of Withdrawal You may make withdrawals from your Account in any manner that is permitted by us for the type of Account you have. First Business Day after day of approval. If your Account has not matured, any withdrawal of all or part of the funds from your Account may result in an early withdrawal penalty. (i) ATM and Debit Card Fees For information regarding our fees applicable to the use of your card, see our current Schedule. You agree not to use Wire Transfers or the ACH system to conduct any transaction in violation of federal or state law. I. We will notify you of any changes as required by law. By selecting a Mobile Card and placing your Supported Digital Wallet Device near a merchants contactless-enabled POS terminal or reader or using that Mobile Card for an in-app purchase, you are authorizing the payment for the merchants products or services with that Mobile Card through the Digital Wallet Service. You have even more options for depositing checks, though. A. Debit Card Services (Including Health Savings Account Debit Cards) (4) Substitute Checks Deposited by You Should you receive a valid Substitute Check from someone else that has not yet been collected, you may deposit that Substitute Check in the same manner as you would deposit an Original Check you received. Such other bank may instead send us a Substitute Check or, in some cases, an Electronic Image by which we can create a Substitute Check. 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. (3) Certain Direct Deposits If we offer direct deposit services for automatic preauthorized deposits to your Account of Social Security payments or automatic transfers from your other Accounts with us, you must notify us at least thirty (30) calendar days prior to the next scheduled direct deposit or preauthorized transfer if you wish to cancel the direct deposit or transfer service. (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. 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. You represent that you are not 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. Those time limits are applicable as follows: (1) Unless a longer time period is required by statute or governmental regulation, such as under Regulation E, and the time period may not be modified by agreement, you must notify us in writing within thirty (30) calendar days after we made the statement available to you by mail, through Online Statement Delivery (if applicable) or if you have requested us to hold your Account statements (a Statement Hold Request) if: An Item or other transaction listed is one you did not authorize, is altered, or is fraudulent; A deposit is missing from the Account statement; A Wire Transfer listed is one you did not authorize, is altered, or is fraudulent; Your Account statement contains any errors; or. We will not be liable for any actions of the convenience signer until we have received either notice of the Account owners death, or written notification of the revocation of the convenience signers authority, and have had a reasonable time to act on such notice. (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. 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. Online. You have overdrawn your Account repeatedly in the last six months. Your Digital Wallet may provide you with the option and ability to turn off this purchase transaction reporting for each Mobile Card. B. If you give us incorrect information, we will not be liable for failing to stop payment on the check. Search Frost Bank locations for your personal and business banking, investments and insurance needs. The fees and expenses may include attorneys fees. A. You understand that we may receive compensation in connection with such conversion. The Wallet allows you to make purchases using an added Payment Card wherever the Wallet is accepted. Member FDIC, III. Check 21 means Regulation CC, Subpart D, promulgated to implement the provisions of the Check Clearing for the 21st Century Act. Currency will only be removed from the Smart Safe by an authorized Smart Safe Vendor representative. The typical Frost Bank Personal Banker salary is $19 per hour. - Create memos for each transaction. ACCESS, USE AND MAINTENANCE OF A MOBILE CARD DEPEND ON THE DIGITAL WALLET AND THE NETWORKS OF WIRELESS CARRIERS. Instead, the debiting amount, along with the corresponding check number (if available) will appear under the Other Withdrawals/Debits section of your statement. To be clear, if you want to cash your check and get cold-hard cash in your hand, then you'll need to go to a physical location. This can be convenient as you can cash your check when you're doing your regular shopping. (Payable on Death) Designation If you have opened this type of Account then you are the sole owner of the Account. USE OF A MOBILE CARD INVOLVES THE ELECTRONIC TRANSMISSION OF PERSONAL INFORMATION THROUGH THIRD-PARTY CONNECTIONS. We may receive the electronic debit to your Account immediately after the business enters the transaction so you may have a reduced right to stop payment and you may incur an Overdraft if you do not have sufficient funds in your Account to cover the amount of the check at the time you write the check or authorize the transaction. 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. Driver's licenses and passports are usually the best choices. It is your responsibility to read and understand the third-party agreements before creating, activating, or using a Mobile Card (as that term is defined below) in a Digital Wallet. 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. 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. We may choose, in our sole discretion, to offer interest-bearing Personal Accounts, and interest-bearing Business Accounts (Accounts for sole proprietors, business partnerships, professional associations, limited liability companies, for-profit corporations, non-profit entities and governmental units). We are not responsible for the exchange rate set by an intermediary or correspondent bank or the receiving bank. Cashier's checks are good for large purchases, such as a car or house sale, when you likely can't use a debit or credit card, and using cash is risky. Frost is not liable for any failure or performance of any Digital Wallet or any third partys products or services. Generally, this section of the Agreement governs your election to use eligible debit or credit cards issued by Frost Bank (each, a Payment Card) when you add, attempt to add, or keep a Payment Card in a digital wallet (Digital Wallet or Wallet) on any mobile device that supports the Wallet (the Digital Wallet Service). Governing Texas law may be supplemented as necessary by federal law. (4) Account Ownership/Accurate Information. If you or your Account becomes involved in a Legal Process, your use of the Account may be restricted. 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. Fill out a deposit slip (if necessary) and sign the slip. In order to satisfy the Acts requirements, we may, and in many cases, must request certain information about the individual presenting the transaction, as well as the organization or individual for whom the transaction is being conducted. 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. You may not grant a security interest in, transfer, or assign your Account to anyone other than us without our written consent. 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. (1) Penalty The appeal must request a new arbitration based on good faith objection to the reasoned opinion of the arbitrator(s) and shall be heard by three (3) neutral arbitrators designated by the AAA or like organization. Our acceptance of any Third Party retained by you based on our qualification criteria is not a representation or warranty by us regarding the fitness of the Third Partys capabilities or financial condition, nor is such acceptance by us an endorsement of any Third Partys ability to perform the Third-Party services for you. Show valid identification to the teller. 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