With regard to your obtaining Digital Deposits services under this Agreement, you must comply with the personal computer, check scanner and mobile device hardware, software, and other requirements, as well as applicable Security Procedures, as set forth in this Agreement and as set forth in any Documentation or any supplemental information and/or instructions provided by the Bank. (6) Online Banking, Mobile Banking, and Bill Payment Services Account access and limitations on transfers associated with our Online Banking Services (which include optional Mobile Banking Services) are described in our Frost Online Banking Agreement and Disclosure. Here are a couple of retail stores where you can cash cashier's checks: 24. You are responsible even if the size or color of the Mark is different from that of any signature previously presented to us. An Electronic Image rejected in this manner is not deemed received by us. You understand, acknowledge and agree that the Bank is not responsible for any loss or damages resulting from any errors or failures of your personal computer, mobile device or data processing systems, including, but not limited to any personal computer or mobile device virus or malware attack (such as a keystroke logging program or similar malware), any attack by a person attempting or actually gaining unauthorized access to the data owned by you, or any Internet- related problems that may be associated with your access and use of our Digital Deposits. Bring a valid photo I.D. You may remove one (1) or more of your Mobile Cards from your Digital Wallet at any time by following the instructions in your Digital Wallet or by calling the number on the back of your Payment Card. 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. You authorize us to disclose information about your Account to a credit reporting agency if your Account was closed because you have abused it. C. Relationships to Other Frost Agreements. 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. 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. USE OF A MOBILE CARD INVOLVES THE ELECTRONIC TRANSMISSION OF PERSONAL INFORMATION THROUGH THIRD-PARTY CONNECTIONS. 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. 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 acknowledge that the purpose of Security Procedures is to authenticate the identity of the person initiating the action, not to detect errors in any transmission or content. Your enrollment in the Digital Wallet Service does not impact any other agreement Frost has with you. I waited over an hour for my money and both I and the check holder banked with them. If you hold an open account of any type with a bank, they will cash a valid check for you. (Payable on Death) Designation If you have opened this type of account, then you are the sole owner of the Account. (3) Foreign Wires You agree that if you request a Wire Transfer in a currency other than U.S. dollars, we will convert such amount at our current exchange rate for the foreign currency you specify. 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. You understand and acknowledge that all of the warranties deemed given by a depositor of a check to a bank under the UCC as applicable from time to time in the State of Texas shall also apply to any Electronic Image of an Original Check, and also apply to any Substitute Check deposited by you (as described in Section IX.A.4. 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. 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. Creating a valid Substitute Check takes specialized equipment and adherence to precise specifications. Bureaus Regulation E For sale of monetary instruments reporting purposes, Frost Bank will accept passports and the Matricula Consular Card. If you establish a joint Account without the signature of the other joint Account Holder(s), you agree to hold us harmless for our reliance upon your designation of the other joint Account Holder(s) listed on our documents. Truncate means to remove an Original Check from the forward collection or return process and send to a recipient, in lieu of such Original Check, a Substitute Check or, by agreement, information relating to the Original Check (including data taken from the MICR line of the Original Check or an Electronic Image of the Original Check), whether with or without the subsequent delivery of the Original Check. Any written notice we give to you regarding your Account statement is effective when it is deposited in the U.S. Mail, postage prepaid and addressed to you at your statement mailing address. You may not rent, lease, lend, sell, redistribute or sublicense the Mobile Card or the Digital Wallet Service. THESE DISPUTE RESOLUTION PROVISIONS OF THIS AGREEMENT PROVIDE FOR BINDING ARBITRATION OF ALL DISPUTES THAT CANNOT BE RESOLVED BY NEGOTIATION OR MEDIATION. The availability of funds you deposit via Digital Deposits may also be delayed for a variety of additional reasons as determined in Banks sole discretion, including, but not limited to: We believe a check you deposit via Digital Deposits is a duplicate image. Upon termination of the license, you must cease all use of the Digital Wallet Service and Mobile Card and delete all Mobile Card(s) from the Digital Wallet Service. We may include your name, address and other required information within the Wire Transfer instruction, so we may comply with international and foreign payment regulations and requirements. A Partys invocation of the dispute resolution provisions under this Agreement will apply without limitation, regardless of whether: (i) your Account is closed; (ii) you pay us in full any outstanding debt you owe; or (iii) you file for bankruptcy. However, if we need more time, we may take up to forty-five (45) calendar days to investigate your complaint or question. Fees. Original Check means the first paper check issued to or endorsed in your favor with respect to a particular payment transaction. Why are banks required to obtain this information on cash transactions over F. Frost Bank Property, Branch and ATM Code of Conduct, IV. (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. You should read the rest of this Agreement and applicable Schedules for any applicable fees, interests, or other charges associated with your Account. B. Fighting, vulgar language, harassing others, shouting, spitting, throwing an object, or pushing others is prohibited at all times. (iii) Periodic Statements You will get a monthly Account statement from us, unless there are no transfers in a particular month. If you call us, we may also require you to put your request in writing and mail or otherwise transmit it to us within fourteen (14) calendar days after you call. 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. Requirements: Photo ID. Checks received by us that are drawn against your master account will be presented for payment against the transaction subaccount. What if I am conducting the transaction on behalf of my business? N. Dormant Accounts 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. (3) Initial Interest Rate When the conversion occurs, we, intermediary or correspondent bank, or the receiving bank, will determine, in such entitys sole discretion, the currency exchange rate. Consider using a check. They might provide it right away or send it to you at the end of . Fees and Charges Pay the check amount plus the fee to certify the check. (2) Exceptions We may let you withdraw money from your Account before the maturity date without an early withdrawal penalty: 1) when one (1) or more owners on the Account dies or is determined legally incompetent by a court or other administrative body of competent jurisdiction; 2) when the Account is an Individual Retirement Account (IRA) established in accordance with Title 26 U.S.C. As part of the Security Procedures, Bank may employ various authentication technologies, including, but are not limited to, use of Online Banking Services user IDs, passwords and other AAI that Bank may require you to provide at Banks sole discretion. We reserve the right to change the terms and conditions upon which our services are offered. When exchanging customer information with third-party processors, we enter into confidentiality agreements with respect to customer data. (2) General Information These provisions apply to electronic fund transfers involving Personal Accounts. We are not responsible for the exchange rate set by an intermediary or correspondent bank or the receiving bank. No. A. However, if we do not determine that the withdrawal or debit is a represented Item and we return it due to non-sufficient funds or we pay the Item that results in an Overdraft, you will be charged the corresponding fee. Frost Bank is committed to providing you robust fraud protection services and tools. (1) Your Ability to Withdraw Funds If the mediation is not successful or completed within the thirty (30) calendar day timeframe stated above, the Parties will proceed to binding arbitration. The terms of the license will govern any upgrades provided by Frost that replace or supplement any Mobile Card, unless such upgrade is accompanied by a separate agreement in which case the terms of that agreement will govern. Does your employer use positive pay so the issuing bank can know that the check was produced by your employer at the teller line? (4) Account Ownership/Accurate Information. Other Features Include: - Place a temporary freeze on your debit card. C. Average Daily Balance means the application of a periodic rate to the Average Daily Balance in the Account for the period, determined by adding the full amount of principal in the Account for each day of the period and dividing that figure by the number of days in the period. If you tell us orally or electronically, we may require that you send us your complaint or question in writing within ten (10) Business Days after you initially inform us. M. License for Any Mobile Card J. Such Frost Bank authentication procedures include, but are not limited to, use of customer online banking User IDs, passwords and other additional authentication information that Frost Bank may require you to provide, in its sole discretion. $10,000 and on cash purchases of monetary instruments in the amounts of $3,000 to $10,000? 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. (1) ATM and Debit Card Transfers and Limitations (2) Account Changes (12) Documentation of Transfers (4) How to Notify Us If you have recently received a money order, read below to learn how to cash it quickly and safely. Account statements sent or made available to any Account Holder are deemed to be received by all Account Holders. (i) Stop Payment Rights If you have told us in advance to make regular electronic funds transfers or ACH transactions out of your Account(s), you can stop any of these payments. B. C. Fraud and Loss Prevention; Legal Process; Legal Compliance; Reservation of Rights This Agreement, together with specific terms and conditions governing your Account(s), provided separately, details our relationship with you. 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. 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 not to disable any of these security features and to use these security features and procedures to safeguard all your Mobile Cards. In addition, we are not responsible to take action on, or otherwise to notify you of restrictive language placed on checks or other items, including, but not limited to, terms such as Void after 90 Days, Paid in Full, Two Signatures Required, Void Over $100 or similar statements. If you conduct a debit card transaction during Stand-In Mode, balance information may not be accurate due to system maintenance. Systems and Software C. Representations and Agreements; Indemnity If we are required by state law not to honor a postdated check after advance notice from you, you agree to give us advance notice early enough for us to act on it, to do so in writing, and to specify the date, exact amount, and number of the check, along with the name of the payee. On your death, your ownership passes as a part of your estate under your will or by intestacy. (iv) Business Accounts If the Account is a Business Account (for example, it is owned by a corporation, partnership, limited liability company, sole proprietorship, unincorporated association, non-profit entity, etc. P. Positive Pay Services 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. To cash a check in the branch, bring your check and one form of ID, like a driver's license . CTA means the Check Clearing for the 21st Century Act, which became effective October 28, 2004. If your account has been compromised, should you decide against closing an Account as required by us, or if you decide not to implement products or services that are designed to deter fraudulent activity after we have required you to implement such products or services, you will be precluded from asserting any claims against us for any fraudulent activity. Monthly Service Charge. If you make a deposit, we may provide a receipt. Is this a new reporting requirement? Only natural persons can own this type of Account, and you must execute a separate Health Savings Account Custodial Account Agreement to establish a Health Savings Account. 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 also understand that supervisory personnel may randomly monitor customer service telephone conversations to ensure that you receive accurate, courteous and fair treatment. (1) Penalty (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. P. Your Responsibilities, (1) Payment Card Enrollment in Your Digital Wallet. On death of the Account owner, ownership of the Account passes as part of the Account owners estate by will or by intestacy. You may not grant a security interest in, transfer, or assign your Account to anyone other than us without our written consent. F. Use of Your Mobile Cards 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. Online. If your Account earns interest, the following information applies: (1) Payment of Interest We will pay interest at the annual rate specified on the applicable Schedule, which does not reflect compounding. You authorize us to request and obtain one (1) or more credit reports about you from one (1) or more credit reporting agencies for the purpose of considering your application for the Account, reviewing or collecting any Account opened for you, or for any other legitimate business purpose. It is not Frosts responsibility to detect any inconsistency between the Account number you provide and the name. 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. (6) Our Right to Refuse Deposits You may change your phone number by following the steps outlined at www.frostbank.com. We may refuse items for deposit when an endorsement is missing if the payor has required two or more endorsements. Even if not otherwise required, Frost will reimburse you up to $500 for any initial arbitration filing fees you have paid. No assignment will be valid or binding on us, and we will not be considered to have knowledge of it, until we consent and the assignment is noted in our records. Watch on. The license is limited to use on any Supported Digital Wallet Device that you own or control and as permitted by any applicable third-party agreements. Check Cashing Services at Retail Stores. In addition, you may not stop payment on checks governed by separate agreement, such as a check guaranty agreement. R. Cash Vault Services and Smart Safe Services. We will mail notice to you at least twenty one (21) calendar days before the effective date of any change, as required by law. Lost, Destroyed or Stolen Cashiers Checks, Tellers Checks or Certified Checks. Frost has the right to employ counsel of Frosts choice to defend and control of any such matter subject to indemnification by you. The termination of this Agreement and closing of an Account will not release you from any fees or other obligations incurred prior to the date upon which this Agreement is terminated and the Account closed, any fees assessed by us in the process of closing an Account, or from your responsibility to maintain sufficient funds in your Accounts to cover any outstanding checks or other debit items. As part of our legal compliance and loss prevention program, if at any time we suspect that your Account may be subject to irregular, unauthorized, fraudulent or illegal or unlawful activities, or when we are presented with or have reasonable grounds to anticipate conflicting instructions regarding your Account or a dispute regarding your Account, we may, in our discretion, place a Hold on some or all of the funds in your Account and in other Accounts you maintain with us, without any liability to you, until such time as we are able to complete our investigation of such suspected activities, conflicting instructions or dispute, or interpleader action with regard to the Account and transactions. If you use any Mark, you agree to deliver a sample to us upon our request. If you get a new Supported Digital Wallet Device, you must delete all your Mobile Cards and other personal information from your prior Supported Digital Wallet Device. If the arbitrators cannot agree on the appointment of the third member, the AAA or like organization, as applicable, shall appoint the third member subject only to a disqualification for cause. 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). (14) Electronic Checks The unauthorized use of your card or PIN could cause you to lose all of your money in your Accounts, plus any amount available under your Overdraft protection if you do not notify us in a timely manner. If Bank approves you to use the Digital Deposits, then by using such services, you agree to the provisions set forth in this Agreement, you agree to pay any fees that Bank may charge in conjunction with such Digital Deposits (as set forth in Banks Fee Schedule) and you understand and agree that the meanings of the defined terms set forth in this Section are applicable both to this Agreement and the Documentation (as defined below) made available to you by us for use with the Digital Deposits. In addition, if we are presented with or have reasonable grounds to anticipate conflicting instructions regarding your Account, or if we have any reason to believe there is a dispute regarding your Account, such as conflicting instructions concerning funds in your Account or signatory authority to the Account, we may take any action described above or we may, unilaterally and in our sole judgment, place funds in a court (an interpleader action) for resolution. Relationship to Your Digital Wallet Provider DIGITAL DEPOSITS With the exception of checks and other items where the payor has required two or more endorsements, you authorize us to supply missing endorsements. This estimate is based upon 62 Frost Bank Personal Banker salary report(s) provided by employees or estimated based upon statistical methods. 2. computer hacking, virus attack, or theft or loss of any equipment containing data owned by you), it is your sole responsibility to determine whether you have the obligation, under applicable law, to notify potentially affected individuals whose sensitive PII may have been compromised by the security breach incident. Federal laws, including the Bank Secrecy Act, require that all banks obtain this information on these types of cash and monetary instrument transactions. Q. Q. You acknowledge that you are solely responsible for the adequacy of systems and software utilized by you to process banking transactions and the ability of such systems and software to do so accurately. A. Debit Card Services (Including Health Savings Account Debit Cards). 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. Venmo: Best for ATM Access. A. - Send money to anyone, anywhere in the U.S. and make bill payments on the go. You must promptly notify us of any change in your address or name. Types of Account Ownership can you cash a butterball check at the bank. There is an emergency, such as failure of computer or communications equipment. We value your relationship with us and hope that you find these frequently asked questions about cash reporting requirements helpful. (Information Regarding Digital Deposits)) your checks, you understand that neither your Original Checks nor Substitute Checks will be returned with your Account statement. If the beneficiary requires you to send payment in U.S. In addition, you agree that we do not fail to exercise ordinary care in paying an item solely because our procedures do not provide for the sight examination of items with a face amount below an amount determined solely by us from time to time. A business that receives your check by mail or otherwise, and converts it to an electronic debit via ARC, POP or BOC should give you notice of the conversion, and such business has the option to destroy the Original Check. below (Right of Setoff). All third-party intellectual property marks, including the logos of merchants, are the property of their respective owners. For avoidance of doubt, you understand, acknowledge and agree that all data provided by you to Bank (including, but not limited to, Electronic Images or Substitute Checks retained on any processing equipment, Processing Software, or any other processing equipment or software (including your personal computer or mobile device) used by you in conjunction with Digital Deposits), and all data produced, compiled or otherwise provided by Bank to you, in any form or format, is your sole and exclusive property and copies thereof shall be provided to you at your request from time to time and at any time. 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. (2) Notice of Receipt We may use subsequent deposits and other credits to your Account to cover any Overdraft amount and any Overdraft fees charged to your Account. Funds will normally be withdrawn from your Account the next Business Day. With over 5,000 locations, close to 90% of the population in the United States lives within 15 miles of a Walmart. K. Changes to Digital Wallet Service Terms 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. 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. Third Parties means with regard to Business Account customers any party whom you hire, employ, or to whom you delegate your duties or responsibilities to administer Digital Deposits. However, we are not liable to you for any special, incidental, exemplary, punitive or consequential losses or damages of any kind. A. How to Avoid the Monthly Service Charge. D. Eligibility Can I avoid having this form filed if I break up the transaction into smaller amounts? These checks have extra security features . No, the IRS does not directly check your bank account. (1) Your Ability to Withdraw Funds This requirement was implemented in 1970 under the Bank Secrecy Act. Please notify us if we report any inaccurate information about your Account(s) to a consumer reporting agency. If you are a Business Account Holder, then in the event of any security breach incident involving any potential or actual unauthorized access or acquisition of data owned by you (e.g. 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). 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. (11) Preauthorized Drafts 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. G. Fees HOW CAN I ORDER CHECKS? You further agree to notify us in writing of any changes in the person(s) authorized to act on behalf of the Account Holder, and change in the business entitys certificate of incorporation or other organizational document, or the form of ownership. (2) Smart Safe Services Smart Safe Services allows a Business Account customer to deposit currency into an electronic smart safe/bill counter (the Smart Safe) and receive provisional credit from the Bank the following Business Day. If the third arbitrator is jointly selected by your and the Banks designees or by the AAA or like organization, that third arbitrator shall have these same industry or legal experience or credentials described above. As a KeyBank client, check-cashing services are available anytime, without a check-cashing fee. (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. You must provide us with the following information: (i) Tell us your name and Account number. In addition, Frost also utilizes certain geo-location fraud prevention services. (4) Remotely Created Checks Unless Frost and you otherwise agree in writing, you agree you will not deposit, and we may refuse to accept for deposit, checks or other items that are Remotely Created Checks (as defined in the Federal Reserve Boards Regulation CC). This provision limits your rights to a jury trial. The Account does not become part of your estate. Federal law requires all banks to obtain certain information on all cash sales of monetary instruments between $3,000 and $10,000. 5,000 locations, close to 90 % of the population in the Digital Wallet Service the! In addition, Frost bank will accept passports and the Matricula Consular Card or MEDIATION under your or! Fee to certify the check holder banked with them ( 2 ) General information these PROVISIONS apply Electronic... We value your relationship with us and hope that you receive accurate, courteous and fair treatment us, there... 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