We will not be liable to you for refusing such a deposit. Sufficient Copy means: (1) A sufficient copy is a copy of an Original Check that accurately represents all of the information on the front and back of the Original Check as of the time the Original Check was Truncated or is otherwise sufficient to determine whether or not a claim is valid. No award or relief will be granted by the arbitrator except on behalf of, or against, a named party. Notify Us of Inaccurate Information We Report to Consumer Reporting Agencies 5. If your Account is a time deposit, you have agreed to keep the funds on deposit until maturity. Answer (1 of 5): Where are you trying to cash it. Monday-Friday, after 6 pm ET and Saturday-Sunday. (15) Check Legends We may disregard information on any check or item other than the signature of the drawer, the identification of the drawee financial institution and payee, the amount, the endorsements, and any other information that appears on the MICR line. Monthly Service Charge. You acknowledge that we will not give next day notice to you of receipt of an ACH or Wire Transfer item. We will notify you of amendments as required by law. Hold on to . Watch on. Frost does not currently charge any fees for using the Digital Wallet Service. A Health Savings Account is an Account permitted by the federal government which qualifying individuals may be able to use to obtain tax advantages when saving and paying for medical and other permitted health expenses. (3) Delivery and Receipt of Notices, VII. By entering into this Agreement, you agree that you are providing your express consent for Frost and any Frost third-party service provider to call you, text message you, or both at any phone number (including any mobile phone number) you provide to Frost or any Frost third-party service provider using auto-dialed phone calls, prerecorded phone calls, or both for any or all of the following reasons: (i) transactional purposes; (ii) informational purposes; (iii) to provide account alerts; (iv) to provide servicing information; (v) fraud prevention purposes; and (vi) any other purposes provided for in this Agreement or in any other applicable Frost agreements, including, but not limited to, Frosts Customer Privacy Statement. This can be convenient as you can cash your check when you're doing your regular shopping. We will not be liable to you for refusing a deposit, even if it causes outstanding items to be returned. 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. * See running balances, plus view and search . Upon either Party sending a written request for negotiation to the other Party, the receiving Party must respond within ten (10) calendar days of receiving such request. Yes. the sender of the ACH debit transaction), but this may stop all ACH items from this sender. This estimate is based upon 62 Frost Bank Personal Banker salary report(s) provided by employees or estimated based upon statistical methods. The service will use the same information and spit out an amount that you would be able to cash a check for. We may use subsequent deposits and other credits to your Account to cover any Overdraft amount and any Overdraft fees charged to your Account. If you are engaged in any of the activities described above, you must disclose such fact prior to opening your Account with us, and we reserve the right to deny you an Account based on such activity. We may accept any Power of Attorney that we believe was executed by you and may act on instructions we receive under such form. 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. (2) Withdrawal Restrictions and Overdrafts T. Unauthorized Transaction means a transaction that was not authorized by you, including, but not limited to, an erroneous or unauthorized debit. You may change your phone number by following the steps outlined at www.frostbank.com. For errors involving a transfer to or from an Account within thirty (30) calendar days after the first deposit to that Account (herein referred to as a New Account), or for errors involving POS or foreign-initiated transactions, we may take up to ninety Governing Law; Dispute Resolution; Arbitration; Statute of Limitations. Such Security Procedures offered by the Bank are described herein and in Documentation applicable to such services. We may pay any sum in the Account to a Party, including a Partys Power of Attorney or agent, at any time. Either you or we may close your CD Account on any maturity date without cause, and we may close your CD Account prior to any maturity date if such CD Account is pledged as loan collateral or as otherwise necessary to satisfy any debt owed to us. We do not make any warranties or representations about the third parties or their products or services. (5) Error Resolution Procedures After we have made a good faith effort to collect any discrepancies, you agree we may debit your Account for any losses charged to us resulting from encoding errors created by you. An Electronic Image rejected in this manner is not deemed received by us. (5) Stale Checks 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. In accordance with applicable Texas law, funds in abandoned Accounts will be remitted as unclaimed property to the custody of the Texas State Comptrollers Office (or any subsequently applicable state agency), and we will have no further liability to you for such funds. ACE Flare: Best Nontraditional Bank Account. If you do not have a separate written agreement with us granting you the ability to create Substitute Checks, then you can only deposit Substitute Checks or any IRD that purports to be a Substitute Check if such Substitute Checks have already been endorsed by a bank. There may be other exceptions, in addition to those listed above, stated in any other of our agreements with you, or as permitted by law. I am a member over 10years. Your Digital Wallet may also allow you to view recent purchase transactions made by you with your Payment Card. You also can submit deposits for supervisor review on the Frost Remote Deposit Capture desktop system or Frost Commercial Mobile Deposit App before they are transmitted to the bank. Disputes in excess of $100,000 where the AAA or like organization cannot serve shall be decided by a panel of three (3) arbitrators selected in the manner and credentialed in the way described above. BECAUSE FROST DOES NOT OPERATE OR CONTROL THESE CONNECTIONS, FROST CANNOT GUARANTEE THE PRIVACY OR SECURITY OF THESE DATA TRANSMISSIONS. However, if we need more time, we may take up to forty-five (45) calendar days to investigate your complaint or question. O. If your spouse predeceases you, or if someone other than your spouse is named as your beneficiary, including your estate, then tax may be due on the balance remaining at your death. From time to time, we may offer or you may open various types of deposit Accounts. A. (2) Longer Delays May Apply Except to the extent expressly provided for in the Check 21 Regulations, in no event will we be liable for special, incidental, exemplary, punitive or consequential losses or damages of any kind. 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 (11) Preauthorized Drafts We have written procedures for providing and maintaining security for customer data and records. (1) Cash Vault Services 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. Furthermore, you are explicitly authorizing us to pay any and all checks presented against your Account which contain any mechanical signature which reasonably resembles the Mark you have adopted: Regardless of whether the Mark is actually that which you have adopted; Regardless of how or by whom the Mark was affixed; and. You acknowledge and agree that the classification of a debit card transaction (except ATM transactions) as recurring or non-recurring is determined by merchants, other institutions or other third parties before it is presented to us for authorization or payment and we will treat and process such debit card transactions in the manner they are presented to us, which may result in one-time debit card transactions presented as recurring preauthorized transactions and vice versa. (13) Preauthorized Payments, XI. Frost Bank will not tolerate violence or threats of violence or physical harm in any of its Premises. If you make a deposit, we may provide a receipt. Upon receipt of any deposit(s), the Smart Safe Vendor will verify currency amounts removed from each of customers Smart Safes. We may, in our sole discretion, terminate your Digital Deposits effective immediately if: (1) there is an occurrence of a material change in your Account activity or other risk analysis criteria as determined by us in our sole and absolute discretion; (2) we at any time determine that you (or your Third Party) does not meet our risk or other qualification requirements; (3) we discover any willful misconduct (including, but not limited to, types of fraudulent activity) on your part or any other party with respect to Electronic Images submitted for deposit by you using our Digital Deposits; (4) you are in default of any terms of this Agreement where such default gives us the right to terminate, immediately or otherwise, or close your Account; (5) you have not used Digital Deposits for a period of time deemed to constitute an inactive service by us (in our sole discretion); or (6) you are in default of any terms of the Agreement or any other agreement with us. Upon receipt of final payment, the item becomes a collected item. 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. Our policy is generally to make funds from your Digital Deposits available to you on the first Business Day after the day we receive your deposit. 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. Bottom Line. On the death of the last surviving trustee, the ownership of the Account passes to the beneficiary. This is called endorsing the check. B. The Smart Safe Vendor does not act as an agent of Bank in performing activities for Customer. Walmart also has reasonable fees at $4 for a check under $1,000 and $8 for anything over that limit. We have no duty to visually inspect signatures or other information on a check presented for payment, and other than the signature of the drawer, the identification of the payor bank and payee, the amount (numeric over words if contradictory) and any MICR encoded information, we have no duty nor are we bound to look at any other information on the check and can disregard such information in our sole discretion. Some banks and credit unions don't charge a fee for certified checks. The arbitrator(s) will decide the dispute in accordance with applicable Texas law, including recognized principles of equity and statutes of limitations, statutes of repose and conditions precedent to suit, and will honor all claims of privilege recognized by law. If a court or arbitrator finds any provision of the Agreement to be invalid or unenforceable, such finding shall not make the rest of the Agreement invalid or unenforceable. ADDITIONALLY, YOUR SUPPORTED DIGITAL WALLET DEVICES BROWSER IS GENERALLY PRE-CONFIGURED BY YOUR WIRELESS CARRIER. (2) What are Your Rights Regarding Substitute Checks In certain cases, federal law provides a special procedure that allows you to request a refund for losses you suffer if a Substitute Check is posted to your Account (for example, if you think that we withdrew the wrong amount from your Account or that we withdrew money from your Account more than once for the same check). Frost is not liable to you for the effects (third party or otherwise) of such termination or suspension. You and any other trustee or person opening the Account, in your individual capacity and jointly and severally, agree to indemnify and hold us harmless from and against any and all loss, costs, damage, liability, or exposure, including reasonable attorneys fees, we may suffer or incur arising out of any action or claim by any beneficiary or other trustee with respect to the authority or actions taken by you in handling or dealing with the Account. In this Agreement, each and all of the depositors may be referred to as "you," "your," "Account Holder" or "customer.". This Agreement, together with specific terms and conditions governing your Account(s), provided separately, details our relationship with you. 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. Search Frost Bank locations for your personal and business banking, investments and insurance needs. Judgment may be entered upon any award in any court having jurisdiction. (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 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. Our only responsibility is to exercise reasonable care. We reserve the right to verify any transaction carried out by a convenience signer with the owner(s) of the Account. C. Funds Availability Policy Disclosure You're about to open a third-party website in a separate browser window. If you have met, in our sole discretion, the conditions we have established for use of Digital Deposits to make deposits via Electronic Images, we will provide Internet access to our computer network and accept for deposit to your Account(s) the Electronic Images of Original Checks for collection as allowed under this Agreement and the Documentation. (vi) Attorney Client Trust (IOLTA) Subject to applicable law, an Attorney Client Trust Account (also referred to as an Interest On Lawyers Trust Account, or IOLTA) is an Account set up by an attorney or law firm to hold client or third-party funds in trust, separate from the attorneys or law firms funds. Consider using a check. We will mail notice to you at least twenty one (21) calendar days before the effective date of any change, as required by law. You have overdrawn your Account repeatedly in the last six months. The Wallet allows you to make purchases using an added Payment Card wherever the Wallet is accepted. How much do bankers at Frost Bank make? You may place a stop payment on certain future recurring pre-authorized debit card transactions by providing us your debit card number, merchant name, and transaction amount. Account Statements C. Funds Availability Policy Disclosure. A. You further represent that you do not derive any of your income from entities that are 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, either directly or indirectly (including, but not limited to, rental property income). 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. Q. You agree not to misrepresent your identity or your Account information. Q. Lost, Destroyed or Stolen Cashiers Checks, Tellers Checks or Certified Checks. Customer should not insert non-U.S. currency into the Smart Safe as non-U.S. currency will not be processed by the Smart Safe Vendor or Bank. Obtain balance information for your checking or savings Account. 7. You may generally not stop payment on an electronic funds transfer or ACH transaction after acceptance of the item by us, except as specifically allowed under NACHA Rules (defined herein) with regard to ACH transactions. Proceeding with using the Digital Wallet Service constitutes your assent to and acceptance of the terms and conditions contained herein. 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. This section pertains to multiple-party Accounts: (i) Joint Account Ownership An Account with two (2) or more Account Holders is a joint (multiple-party) Account. (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. Related: Best Frost Bank Offers and Promotions. Electronic Deposit means a file that contains information regarding each Electronic Image(s) to be submitted by you to Bank that meets all of the requirements imposed from time to time by Bank as set forth in this Agreement and the Documentation. Instead, the debiting amount, along with the corresponding check number (if available) will appear under the Other Withdrawals/Debits section of your statement. Electronic Image means a digital or electronic representation of an Original Check that is a Sufficient Copy and meets all of the Standards and is submitted by you to Bank for processing and collection as a Substitute Check. We will hold all deposits in the Account for the exclusive benefit of the minor. This section pertains to individual Accounts: (i) Single-Party Account without P.O.D. If you open multiple Accounts, you may receive Schedule information and certain disclosures for each Account, but this Agreement will cover all your Accounts with us. (vi) Notices All notices from us will be effective when we have mailed them or delivered them to your last known address in our records. THESE DISPUTE RESOLUTION PROVISIONS OF THIS AGREEMENT PROVIDE FOR BINDING ARBITRATION OF ALL DISPUTES THAT CANNOT BE RESOLVED BY NEGOTIATION OR MEDIATION. A. Standards means the applicable standards set forth in CTA, Check 21 or as promulgated by the American National Standards Institute (ANSI) for image quality and transmission protocols, including, but not limited to, ANS X9.13, ANS Your use of the Account after the effective date of the amendment is your consent to the amendment. 5 business days after the day of the deposit. Despite the name, these Accounts can be checking Accounts, and not just savings Accounts. You should also revoke your authorization for pre-authorized debit card transactions you may previously have provided to a merchant. Frost reserves the right to restrict the use of certain Payment Card types within the Digital Wallet Service. Easy breezy payments. 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. Any written notice we give to you is effective when it is deposited in the U.S. mail, postage prepaid and addressed to you at your mailing address as described in subsection VI.S.1. 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. The Frost Commercial Mobile Deposit App allows you to easily deposit one or multiple checks and submit deposits directly to your account. Funds will normally be withdrawn from your Account the next Business Day. You understand and agree that no later than the thirty-first (31st) day following the date of deposit of an Original Check to us, you will destroy the Original Check in a commercially reasonable manner that renders it unusable or otherwise unreadable (e.g., shredding). (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. 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. If we decide to close your Account, we may, in our sole discretion, mail you notice of Account closure to your statement mailing address, or send such notice to you via Online Statement Delivery (if you are enrolled in Online Statement Delivery). 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. A description of why you have suffered a loss (for example, you think the amount withdrawn was incorrect); An estimate of the amount of your loss; An explanation of why the Substitute Check you received is insufficient to confirm that you suffered a loss; and. Section 408 and the money is paid within seven (7) calendar days after the Account is opened; 3) when the Account is a Keogh Plan, if you forfeit at least the interest earned on the withdrawn funds; 4) if the time deposit is an IRA or Keogh Plan established pursuant to Title 26 U.S.C. The Bank will replace the Security Procedures in accordance with the Banks standard security requirements related to Digital Deposits. 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. Funds from cash and electronic direct deposits will generally be available on the day we receive the deposit. This way, casinos can be sure your check will be valid. Any permitted assignment of your Account is subject to and superseded by our setoff rights and remains subject to any other right we have under the Agreement and applicable state and federal law. We will extend this time period if you were not able to make a timely claim because of extraordinary circumstances. All other capitalized terms used that are not otherwise defined in this Agreement or in the Documentation shall have the meaning given to such term in Article 3 or Article 4 of the UCC (as amended from time to time) effective in Texas as adopted in the Texas Business and Commerce Code. (Fraud and Loss Prevention; Legal Process; Legal Compliance; Reservation of Rights) of this Agreement, including, but not limited to, an interpleader action. When the conversion occurs, we, intermediary or correspondent bank, or the receiving bank, will determine, in such entitys sole discretion, the currency exchange rate. Requirements: Photo ID. (i) ATM Transactions You can get a receipt at the time you make any transfer to or from your Account using one of our ATMs. Required Disclosures Under Electronic Funds Transfer Act and the Consumer Financial Protection We may pay the withdrawal and may charge your Account for it. D. Beneficial Owner means, as defined in the Title 31 of the Code of Federal Regulations, each individual who, directly or indirectly, holds an ownership interest of twenty five percent or more in a legal entity customer, and any individual who has significant responsibility to control, manage, or direct the legal entity customer. recipient) as required by OFAC and the United States Department of Treasurys Financial Crimes Enforcement Network. O. A. If any Electronic Image is not complete, is not usable, or does not adhere to the Standards, the Electronic Image may not be processed by us, in which event your deposit will be adjusted and notification provided. We urge you to carefully read the Agreement and keep it for future reference. 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. (10) Facsimile Signatures If you use a procedure or mechanism that causes checks to be drawn on your Account(s) (such as, but not limited to: signature stamp; typed signature; facsimile signature; desktop publishing, digitized, or computer software generated signature; notation; or mark or other form of mechanical symbol (collectively, the Mark)) that is not the signature that is on the Signature Card that you signed when you opened your Account, you are adopting such Mark as your signature and authorizing us to pay checks upon which the Mark appears or purports to appear. (3) Foreign Wires Information Regarding Digital Deposits. Funds will be transferred from the savings subaccount to cover checks presented against the transaction subaccount as may be needed. Such phone calls and text messages may include auto-dialed phone calls and text messages, prerecorded phones calls and text messages, or both. The federal Bank Secrecy Act (Act) also requires all financial institutions to report cash transactions of more than $10,000 to the Internal Revenue Service (IRS). 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. For all checks and other items deposited into your Account, you warrant that all endorsements are genuine. We recommend that you conduct the transaction and provide the Bank with the required information. R. Cash Vault Services and Smart Safe Services The purpose of the Bank Secrecy Act and other anti-money laundering laws is to help the U.S. Department of Treasury and law enforcement in their fight against criminal offenses, including money laundering and terrorist financing. (iv) Liability for Failure to Stop Payments If you order us to stop one (1) of these payments three (3) Business Days or more before the transfer is scheduled, and you have given us the information we requested, including the exact amount of the payment, we will be liable if we fail to stop the payment for your losses or damages up to the amount of the payment. If you take it to the bank it is drawn on and they won't cash it because they lack funds you have a problem with yo. We may also refuse a deposit after initially accepting it. D. Limitation on Liability 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. In addition, if you use wireless Internet access via laptop, personal computer, mobile phone, mobile device, tablet, or wearable device to conduct any online (including mobile) banking activities provided by Frost Bank, please be advised that we strongly encourage you to conduct wireless Internet transactions only over a secured wireless network facility. (2) Final Payment All non-cash items (for example, checks) deposited to your Account are posted provisionally, subject to verification and our receipt of final payment by the payor bank upon which the check is drawn. 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. You agree immediately upon notice from us to deposit funds sufficient to cover the amount of any Overdraft plus any Overdraft fees, if required. The panel will reconsider all factual and legal issues following the same rules of procedure and, based on majority vote, determine whether any reversible error has occurred. You have overdrawn your Account repeatedly in the last six (6) months. This includes cash deposits or withdrawals to multiple Accounts or any combination of cash transactions (including checks cashed) by the same customer that, in total, add up to more than $10,000. (d) Community Property with Right of Survivorship Texas law allows persons who are married to each other to agree in writing that community property funds in an Account shall become the property of the surviving spouse on the death of either spouse. Types of Account Ownership The Account does not become part of your estate. Q. Daily Balance means the application of a daily periodic rate to the full amount of principal in the Account each day. 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