Non-resident aliens without a Social Security Number are required to provide an official document issued in their country. A description of the transaction will appear on your statement. A. You understand that your use of the Digital Wallet Service is subject to the terms and conditions of this Agreement, including this Section VIII. (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. You have overdrawn your Account repeatedly in the last six (6) months. You deposit checks totaling more than $5,525 on any one day. You view exceptions each morning and decide to pay or return the item. Contractual obligations, such as loans payable to us, are processed in order from the lowest dollar amount to the highest dollar amount. 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. 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. (2) A copy of an Original Check means any paper reproduction of an Original Check, including a paper printout of an electronic image of the Original Check, a photocopy of the Original Check, or a Substitute Check. Next Business Day. $10,000 and on cash purchases of monetary instruments in the amounts of $3,000 to $10,000? The Bank must obtain your name, permanent address, Social Security Number, date of birth, as well as the date of transaction, the type and serial number of the instruments sold and the amount of cash involved in the transaction. 1. About Frost bank credit card. Use of the savings subaccount as a holding account may resume at the beginning of the next statement period. However, there are some exceptions to our liability. We may (but are not required to) refuse to accept a check or other item for deposit to your Account if: (1) the check or other item is made payable to someone other than you or a joint Account Holder with you; and (2) the check or other item is not endorsed to you or a joint Account Holder with you. The customer authorizes Bank to make such adjustments by credit or debit transaction to customers Account(s), electronically or otherwise. If the parties and the arbitrators cannot agree on the third arbitrator, the third arbitrator shall be designated by the President of the Texas Academy from the current roster of Distinguished Neutrals resident in Texas. (4) How to Notify Us For security reasons, we may require you to close your Account and to open a new Account if: (1) there is a change in authorized signers; (2) there has been a forgery or fraud reported or committed involving your Account; (3) any Account checks are lost or stolen; (4) you have too many transfers from your Account; or (5) any other provision of our Agreement with you is violated. 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. (Right of Setoff). "This partnership brings together three Texas-based companies--Frost, Cardtronics and Valero--in a move that significantly expands the number of ATMs our customers can use free of charge. Cash the check at a check-cashing store. 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. With over 5,000 locations, close to 90% of the population in the United States lives within 15 miles of a Walmart. A. Debit Card Services (Including Health Savings Account Debit Cards) We act only as custodian of the trust funds and we are not acting as a trustee, nor do we need to inquire as to the powers or duties of the trustee(s). NetSpend: Best for Prescription Purchases. The products and services offered on this third party website are not provided or guaranteed by Frost. (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. Visit with a Frost Banker at your nearest Frost financial center. We may also restrict the types or sizes of transactions we permit an agent to conduct. If the check you are endorsing doesn't have this, be sure to write 'For Mobile Deposit Only' or the version of this statement that your bank requires under your signature.". Everything time I come with a check that is a large amount to cash or deposit there is always a hold or an approval I have to wait on. If you deposit such an Electronic Image, you give us the same warranties and indemnities that we, as a reconverting bank, would give under applicable law or regulation. Each Joint Account Holders obligations under the Agreement are joint and several. (4) How to Notify Us The telephone number and relevant address for notification are as follows: This provision limits your rights to a jury trial. Substitute Check means a paper reproduction of an Original Check that: (1) contains an image of the front and back of the Original Check; (2) bears a MICR line that, except as provided under the applicable Standard, contains all the information appearing on the MICR line of the Original Check at the time that the Original Check was issued and any additional information that was encoded on the Original Checks MICR line before an image of the Original Check was captured; (3) conforms in paper stock, dimension, and otherwise with ANS X9.100-140 (unless the Federal Reserve Board by rule or order determines that a different standard applies); and (4) is suitable for automated processing in the same manner as the Original Check. We strongly encourage you to review the Security Procedures, requirements and recommended practices. Required Disclosures Under Electronic Funds Transfer Act and the Consumer Financial Protection If any person notifies us of a dispute, we do not have to decide if the dispute has merit before we take further action. (ii) Notice of Varying Amounts If these regular payments might vary in amount and/or timing, the person you are going to pay will tell you ten (10) calendar days before each payment is due when it will be made and how much it will be. P. Positive Pay Services 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 the request is made less than three (3) Business Days in advance, we must have a reasonable opportunity to act upon the stop payment order. K. Time Deposits We strongly encourage you to review the Security Procedures, requirements and recommended practices in your applicable agreement and disclosure and any supporting documentation regarding Frost Bank Online Banking Services, which includes Mobile Banking Services and Banks remote deposit capture services, Digital Deposits., C. Mobile Device and Wireless Internet Access. Late payments, missed payments or other defaults on your Account may be reflected in your credit report. The interest rate and annual percentage yield may change at any time at our discretion. In addition to the communications you expressly consent to receive under Section IV.C. 1. (3) If your Account is a Personal Account, then these electronic debit transfers are governed by the Electronic Funds Transfer Act and the Consumer Financial Protection Bureaus Regulation E (Regulation E), and all electronic checks (both debits and credits) are also governed by the Operating Rules and Operating Guidelines of the National Automated Clearing House Association (NACHA) and are also subject to the separate Frost Bank Electronic Funds Transfer Agreement and Disclosure as described in Section X.B. Meet Frost the smart digital account that compares and switches energy supplier for you, lets you pay like a local abroad, . Governing Law; Dispute Resolution; Arbitration; Statute of Limitations, Fraud and Loss Prevention; Legal Process; Legal Compliance; Reservation of Rights, Frost Bank Property, Branch and ATM Code of Conduct, Notify Us of Inaccurate Information We Report to Consumer Reporting Agencies, Consent to Autodialed and Prerecorded Phone Calls and Text Messages; Consent to Fraud Alert Text, Debit Card Services (Including Health Savings Account Debit Cards), Frost Online Banking Services for Personal and Business Accounts, Mobile Device and Wireless Internet Access, Lost, Destroyed or Stolen Cashiers Checks, Tellers Checks or Certified Checks, Wire Transfers and Automated Clearing House (ACH) Transactions, Cash Vault Services and Smart Safe Services, Representations and Agreements; Indemnity, Relationship to Your Digital Wallet Provider, Required Disclosures Under Electronic Funds Transfer Act and the Consumer Financial Protection, IMPORTANT INFORMATION ABOUT CASH REPORTING REQUIREMENTS FOR BANKS UNDER THE BANK SECRECY ACT. If you do not want us to pay a stale-dated check, you must place a stop payment order on it (see Section VI.H. You authorize us to supply missing endorsements, and you warrant that all endorsements are genuine. 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. 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). The arbitrator(s) shall have no authority to award punitive damages or any other relief not measured by the prevailing Partys actual damages (e.g., two times actual damages). Please see our Customer Privacy Statement for your choices about information sharing. We may also block certain transactions that we suspect are illegal, including, but not limited to, transactions in violation of the Unlawful Internet Gambling Enforcement Act. No Electronic Image submitted by you to us represents an Original Check that has already been collected. If you deposit checks totaling more than $200, you can access $200 the next business day, and the rest of the money the second business day. Any receiving financial institution (including us) is entitled to rely on any Account or bank number you have provided even though that Account or bank number may identify a party different from the person or entity you have described by name in any transfer order. A Substitute Check that you receive is the legal equivalent of an Original Check for all purposes. All costs, expenses, and fees with regard to any mediation, except for each Partys attorneys fees, shall be divided equally between you and the Bank, and you and the Bank shall each be solely responsible for payment of each Partys share of such costs, expenses and fees. In order to help us prevent fraud or other loss regarding your Account, you agree to exercise ordinary care to safeguard all Account checks, Debit Cards, PINs, User IDs, Account statements, and any other document or instrument that contains or may contain your sensitive financial information. Chase: Chase will cash any checks issued by . Electronic Contact You bear the sole responsibility for any and all costs of complying with required data breach notifications to individuals, credit bureaus and/or governmental entities as required by applicable law, and any and all costs for credit report monitoring of fraud monitoring associated with such security breach incident. For example, we may close, revoke privileges or convert your Account to another type of Account if we think another type of Account would better suit the way you use your Account, if you make frequent transactions on a money market deposit or savings Account, if your Account frequently has debits against uncollected funds, if your Account has excessive deposit activity or if you use a Personal Account for anything other than personal, family or household purposes. 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. A. If you select a convenience Account, you own the Account, but your convenience signer is authorized to conduct Account transactions. 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. If any problems arise regarding your Account, you agree to provide us with all information necessary for us to investigate the alleged error or unauthorized transaction. (10) Stop Payments on ATM, POS, or Debit Card Transactions We are required by law to maintain a log of all sales of bank checks or drafts, cashiers checks, money orders, and certain other products purchased in cash. If you have any questions about our Fraud Prevention Services, our fees, or anything at all, we're always here to answer your questions. We urge you to carefully read the Agreement and keep it for future reference. (iii) Health Savings Account We can serve as your custodian for a Health Savings Account. Except as limited by law, you agree to pay us the fees and charges shown in the Schedules applicable to your Accounts and for other services we perform. 721 Smith Rd. The arbitrator(s) shall in no event, have any power or authority to consolidate claims asserted by different claimants or counter-claimants, adjudicate any claims presented to them on a class wide basis, treat any claimant or counter-claimant as a representative of a class of claimants or counter-claimants, or award any relief on a class-wide basis. Yes. Obtain balance information for your checking or savings Account. (1) Notice of Amendments 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. 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 Once funds are available, you can withdraw the funds in cash and we will use the funds to pay checks that you have written. 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. 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. O. The Bank is required to examine and record at least one (1) form of identification. 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. 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. For disputes less than $100,000, a single arbitrator will conduct the arbitration and will use substantive Texas law, the applicable statutes of limitations, statutes of repose, and conditions precedent to suit, and will honor claims of privilege recognized at law. The amount of our loss which we may recover from you may be limited under the Check 21 Regulations. 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). If your bank charges a fee, expect to pay between $5 and $15. (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. If you have cash exceeding $10,000, it is best to conduct the transaction and have the Bank file the required CTR. (3) Notice Requirements We retain the right to require you to give at least seven (7) calendar days notice in writing prior to any intended withdrawal from your Account. We may pay the withdrawal and may charge your Account for it. 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. Online. A sole proprietorship may open a Single- Party Account and may contain a P.O.D. Frost is not liable for any failure or performance of any Digital Wallet or any third partys products or services. (2) General Information These provisions apply to electronic fund transfers involving Personal Accounts. We will not allow you to pledge the Account as collateral for any loan to you. You agree not to use your Account in any illegal activity, including, but not limited to, restricted transactions as defined under the Unlawful Internet Gambling Enforcement Act. We may automatically close your Account if the balance is $0 or negative. Each renewal of a stop payment order will be treated as a new stop payment order. 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. 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. This Agreement will be binding on your personal representatives, authorized agents, executors, administrators, and successors, and on our successors and assigns. While we may provide you with an estimate of when the funds will be available, please be advised that the funds are still subject to final settlement. In fact, the filing of a CTR is a common, routine event. Driver's licenses and passports are usually the best choices. Items may be returned as image exchange Items, rather than Substitute Checks. 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