If the Account is a joint or any other type of multiple-party Account, each joint or multiple-party Account Holder authorizes us to exercise our right of setoff against any and all Accounts of each Account Holder. Checks or items that are Remotely Created Checks (as defined in Regulation CC). IMPORTANT INFORMATION ABOUT CASH REPORTING REQUIREMENTS FOR BANKS UNDER THE BANK SECRECY ACT. It does offer many benefits, including free access to 1,200 ATMs throughout Texas, free online/mobile banking, and a free Visa checkcard. immediately, if you deposit the cheque in person with a teller or bank employee. 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. Wait for the teller to verify the funds and stamp your check as certified. recipient) as required by OFAC and the United States Department of Treasurys Financial Crimes Enforcement Network. Any written notice you give to us regarding your Account, including any problem with your Account, is effective when such notice is actually received by us and we have had a reasonable opportunity to act on it. (3) Foreign Wires If you do not tell us within sixty (60) calendar days after the statement was mailed to you, you may not get back any money you lost after the sixty (60) calendar days if we can prove that we could have stopped someone from taking the money if you had told us in time. Check 21 requires that we provide you with the following disclosure entitled Substitute Checks and Your Rights. If you have any questions about this, or anything else relating to Check 21, please give us a call at 1-800-513-7678. As permitted by applicable law, we may exercise our right of setoff for any liability or debt of any of you, whether the Account is owned jointly or individually; whether the liability or debt is direct or contingent and whether now or hereafter existing; and whether the liability or debt arises from Overdrafts, endorsements, guarantees, loans, attachments, garnishments, levies, attorneys fees, or other obligations. Some banks will simply convince you to open accounts to avoid a hefty fee-cashing fee. Frost Bank may pay any sum in the Account to a Party, including a Partys Power of Attorney or agent, at any time. WITH YOUR USE OF DIGITAL DEPOSITS, AND IN ADDITION TO ANYTHING ELSE SET FORTH IN THIS AGREEMENT, YOU ASSUME LIABILITY FOR, AND HEREBY AGREE TO INDEMNIFY, PROTECT AND HOLD HARMLESS BANK AND ITS AGENTS, OFFICERS, DIRECTORS, EMPLOYEES, SUCCESSORS AND ASSIGNS (BANK INDEMNITEES), FROM AND AGAINST ANY AND ALL LIABILITIES, OBLIGATIONS, LOSSES AND EXPENSES, INCLUDING REASONABLE ATTORNEYS FEES, OF ANY KIND OR NATURE (DAMAGES) ARISING OUT OF THE USE OF, CONDITION (INCLUDING LATENT AND DEFECTS AND WHETHER OR NOT DISCOVERABLE BY YOU OR BANK), OPERATION, OWNERSHIP, SELECTION, DELIVERY, INSTALLATION OR LICENSING OF ANY ITEM OF PROCESSING SOFTWARE OR EQUIPMENT. We will also pay any fees of the arbitrator and arbitration administrator for the first two days of any hearing. You agree that our retention of checks does not alter or waive your responsibility to examine your Account statements or change the time limits for notifying us of any errors. 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. More than $1,500. Frost Bank also employs various security and authentication measures to ensure to you that the device you are connected to for Online or Mobile Banking Services is recognized by Frost. 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). Q. 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. From a licensed doctor. 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. You may purchase up to $4,500 per card per day at Visa merchants, POS terminals, and by cash advance. 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. B. Checks or items drawn on foreign financial institutions or payable other than in United States currency. You understand and acknowledge that no court or other judicial body will have any authority to designate or appoint any arbitrator. No. You understand that in all cases, during the reasonable period of time described above, you are solely responsible for safeguarding all items you retain as required or permitted by Digital Deposits from destruction, alteration or theft. Such equipment and Processing Software is required to enable you to generate Electronic Images of Original Checks that comply with applicable Standards, as defined below. (11) Confidentiality This Agreement, together with specific terms and conditions governing your Account(s), provided separately, details our relationship with you. With these, you can usually cash checks at any of the bank's branch locations or ATMs. 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). If we are unable to place a stop payment on a transaction for any reason, you must cancel the card. You are required to have an eligible Mobile Device (a Supported Digital Wallet Device) in order to use this service. (4) Substitute Checks Deposited by You, X. (4) Postdated Items You agree that when you write a check you will not date the check in the future. Wire Transfers and Automated Clearing House (ACH) Transactions. E. Withdrawal Rules 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. 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. The trust Account does not become part of your estate and does not pass under your will or by intestacy, unless you were to survive all of the beneficiaries and all other trustees. D. Account Termination 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. KeyBank. Fill out a deposit slip (if necessary) and sign the slip. In accordance with our privacy statement as set forth in our Customer Privacy Statement. You agree that Frost will not be liable to you or any third party for any block, suspension, cancellation or termination of your use of any Mobile Card. (5) Error Resolution Procedures 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). You will need to select the Multiple-Party Account Without Right of Survivorship designation on the Texas Uniform Single- or Multiple-Party Account Selection Form according to Section 113 of the Texas Estates Code. can you cash a butterball check at the bank. We may require a separate form for each agent and for each Account for which you want to grant a Power of Attorney. P.O. If feasible, any such offending provision shall be deemed to be modified to be within the limits of enforceability or validity; however, if the offending provision cannot be so modified, it shall be stricken and all other provisions of the Agreement in all other respects shall remain valid and enforceable. 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. (Required Disclosures Under Electronic Funds Transfer Act and the Consumer Financial Protection Bureaus Regulation E). 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). A. Bank shall not be liable to customer as an insurer of such property. The third party must be named as a party in accordance with the rules of procedure governing the arbitration. Compounding generally means that interest is being accrued on interest previously earned but not yet paid. Except as otherwise required by applicable law, Frost may block, restrict, suspend or terminate your use of any Mobile Card at any time without notice and for any reason, including if you violate the terms of this Agreement or any of your card member agreements, if Frost suspects fraudulent activity, or as a result of the cancellation or suspension of your Payment Card account. Strong, robust encryption technologies are used for computer-generated customer data and records. 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. This way, casinos can be sure your check will be valid. We may pay any sum in the Account to a Party, including a Partys Power of Attorney or agent, at any time. I. 7. 1. You must cooperate with Frost in any investigation and use any fraud prevention or other related measures Frost prescribes. E. Business Account means any Account that is not used primarily for personal, family or household purposes. Bank reserves the right to refuse to provide provisional credit for any Smart Safe deposits at its reasonable discretion. (3) Certain Direct Deposits However, when you cash a check in person, you may be required to show a valid photo I.D. M. Item means any check, ACH, funds transfer, teller cash withdrawal, ATM withdrawal, debit card purchase, fee, charge, or other withdrawal, deposit or amount that is added to or subtracted from or otherwise processed against your Account. If the amount of the Smart Safe deposit as verified by the Smart Safe Vendor differs from the amount of the Smart Safe deposit reported to Bank, Bank will debit or credit customers Account as necessary to reflect the amount of the Smart Safe deposit as verified by the Smart Safe Vendor. The best way to minimize your loss is to call us immediately. World-class service. (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. If the minimum balance is not maintained as shown on the Schedule, we, at our option, may not pay interest on your Account and/or may charge a fee for that period. 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. (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. 5 business days after the day of the deposit. It is a major subsidiary of Cullen/Frost Bankers, Inc., a parent company of the bank with . (7) Agents I waited over an hour for my money and both I and the check holder banked with them. When you open an Account with us, you give us information about yourself, confirm that it is correct, and understand that you have an ongoing obligation to provide us with updated and correct information so long as you maintain your Account with us. With regard to any international ACH transactions (IAT) received by you, you understand and acknowledge that these types of ACH transactions will be subject to increased scrutiny by Bank of the originator (i.e. A. (3) Additional Account Types Personal Banker salaries at Frost Bank can range from $16 - $24 per hour. We are obligated by federal law to report to applicable government agencies transactions that may be structured with the intent to avoid the reporting requirements, and other transactions that appear to involve illegal activity. If we are not going to make all of the funds from your deposit available on the first Business Day after the day of your deposit, we will notify you at the time you make your deposit. Checks with a value greater than $50 will be charged $8 per check. to any branch of your bank. A. Yes, most banks and credit unions support ATM check deposits as long as you have an account with that bank. Substitute Checks and Your Rights Generally, everyone whose name is on a joint account can write checks, withdraw money, and make transactions. You did not receive your scheduled Account statement. (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. Items may be returned as image exchange Items, rather than Substitute Checks. Upon receipt of any deposit(s), the Smart Safe Vendor will verify currency amounts removed from each of customers Smart Safes. 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. The filing of this report is in no way meant to imply or suggest that you are engaging in any illegal activity. Frost reserves the right to restrict the use of certain Payment Card types within the Digital Wallet Service. L. Our Liability FROST DISCLAIMS ANY RESPONSIBILITY FOR THE DIGITAL WALLET OR ANY WIRELESS SERVICE USED TO ACCESS, USE OR MAINTAIN A MOBILE CARD OR ACCESS THE DIGITAL WALLET SERVICE. Deposit at an ATM onto a pre-paid card account or checkless . Governing Texas law may be supplemented as necessary by federal law. Depending on the type of check that you deposit via Digital Deposits, funds may not be available until the second (2nd) Business Day after the day of your deposit. P. Personal Account means any Account with Frost Bank that is used primarily for personal, family or household purposes. As part of our banking services, we employ various authentication technologies for your protection. Frost may use this information, as long as it is in a form that does not personally identify you, to improve Frosts products or to provide services or technologies to you. Funds Availability Policy Disclosure. (ii) Describe the error or the transfer you are unsure about and explain as clearly as you can why you believe it is an error or why you need more information. As such, we advise you to make your stop payment request to Frost Bank at least three (3) business days prior to your next regularly scheduled pre-authorized debit transaction date. Bring a valid photo I.D. (4) Funds Availability Holds on Other Funds (Other Accounts) If we accept for deposit a check that is drawn on another bank, we may make funds from the deposit available for withdrawal immediately but delay your availability to withdraw a corresponding amount of funds that you have on deposit in another Account with us. (1) Provisional Payment Credit we give you with respect to an ACH credit or Wire Transfer entry is provisional until we receive final settlement for such entry through a Federal Reserve Bank. You and we agree that upon the election of either of us, any dispute relating in any way to your Account or transactions, or otherwise arising under this Agreement, will be resolved by the dispute resolution procedures described below, which include binding arbitration. (3) Initial Interest Rate 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. Frost Bank Late payments, missed payments or other defaults on your Account may be reflected in your credit report. Q. If the mediation is not successful or completed within the thirty (30) calendar day timeframe stated above, the Parties will proceed to binding arbitration. Wire Transfers and Automated Clearing House (ACH) Transactions Notify Us of Inaccurate Information We Report to Consumer Reporting Agencies. Q. A sole proprietorship may open a Single- Party Account and may contain a P.O.D. (2) Longer Delays May Apply In some cases, we will not make all of the funds that you deposit via Digital Deposits available to you on the first Business Day after the day of your deposit. 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. We may deduct our fees from your Account(s) or from the amount of the Wire Transfer. Under the Check 21 Regulations, any check you write or deposit need no longer be returned for payment by the bank of the person to whom you wrote the check. If you believe your Debit Card has been lost or stolen, call us at the telephone number listed above or report your Debit Card lost or stolen online at www.frostbank.com by clicking Account Services and then clicking Report a Lost or Stolen Card under Card Management in Frost Online Banking. (Information Regarding Digital Deposits)) your checks, you understand that neither your Original Checks nor Substitute Checks will be returned with your Account statement. - View and zoom, save and print cleared check images. We may accept for deposit checks payable to any signer on your Account when endorsed by any other signer. Required Disclosures Under Electronic Funds Transfer Act and the Consumer Financial Protection Bureaus Regulation E, (1) ATM and Debit Card Transfers and Limitations . Debit Card refers to your Personal Debit Card, Health Savings Account Debit Card, or Business Debit Card. 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. You are responsible for the establishment and maintenance of your internal procedures reasonably adapted to insure the confidentiality and security of Security Procedures. B. A. From time to time, we may offer or you may open various types of deposit Accounts. 2. You deposit checks totaling more than $5,525 on any one (1) day. The amount of our loss which we may recover from you may be limited under the Check 21 Regulations. 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. You understand that even if you have asked for your original paper checks to be returned to you with your statement, those paper checks may not all be your Original Checks. Dollars, you must advise us at the time of the transaction. A. 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