Customer will receive provisional credit by Bank for Smart Safe deposits the following Business Day as reported on the daily Smart Safe reports. You agree not to disable any of these security features and to use these security features and procedures to safeguard all your Mobile Cards. Subject to applicable law, we may charge a dormant Account fee on the Account, and the Account will be presumed to be abandoned. From banking and insurance to all your investment needs, Frost is here for you. Such license does not allow you to use the Mobile Card(s) on any device that you do not own or control (or for which you do not have authorization to install or run the Digital Wallet Service or the Mobile Card, such as where prohibited by applicable security policies in the case of corporate users), and you may not distribute or make any Mobile Card or the Digital Wallet Service available over a network where it could be used by multiple devices at the same time. A. You agree that your use of the Digital Deposits after the Bank provides notice of such changes constitutes your acceptance of the new Security Procedures. 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. If the Account is a Personal Account, then these transfers are governed by the Electronic Funds Transfer Act and Regulation E, and are also governed by the NACHA Operating Rules and Operating Guidelines and are also subject to the separate Frost Bank Electronic Funds Transfer Agreement and Disclosure as described in Section X.B. When you get the form it is up to the bank. DIGITAL WALLET SERVICE (3) Additional Account Types K. Changes to Digital Wallet Service Terms Some or all of the checks issued by you for payment, or other checks deposited by you, that you receive from us may be Substitute Checks. However, you agree that you will not use Digital Deposits to submit any of the following: Checks or items payable to any person or entity other than you/your company. We may charge your Account a fee for each Legal Process. In accordance with our privacy statement as set forth in our Customer Privacy Statement. With these, you can usually cash checks at any of the bank's branch locations or ATMs. (2) Minimum Balance Requirements If the beneficiary requires you to send payment in U.S. We may, at our sole discretion, determine: (1) the routing method and settlement systems (e.g. Systems and Software Q. (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. The rights in this notice do not apply to Original Checks or to electronic funds debits from your Account. 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. 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. 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. 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. 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 term Agreement includes this document, the Account signature card and all signature card addenda (Signature Card), Truth in Savings disclosures and other Schedules, and any other agreement, as amended from time to time, that is applicable to the specific type of Account you open that we provide to you, including, but not limited to: the Frost Online Banking Agreement and Disclosure (which includes optional Mobile Banking Services); the Treasury Management Services Agreement; the Personal and Health Savings Account Debit Card Agreement and Disclosure (or other similar agreement); the Business Debit Card Agreement and Disclosure (or other similar agreement); and the Electronic Funds Transfer Agreement and Disclosure. (1) Notice of Amendments You agree that from time to time we may amend the terms and conditions of this Agreement, including without limitation all rates, fees, and charges, to the extent permitted by law. You also are entitled to interest on the amount of your refund if your Account is an interest-bearing Account. Neither Party shall make any objection to a proposed mediator except for good cause shown. Ingo Money: Most Versatile App. (5) Error Resolution Procedures In case of errors or questions about your electronic funds transfers, either call or write to us using our contact information as listed above. You may purchase up to $4,500 per card per day at Visa merchants, POS terminals, and by cash advance. You represent and agree that all information you provide to Frost in connection with the Digital Wallet Service is accurate, current, and complete and that you have the right to provide such information to Frost for the purpose of using the Digital Wallet Service. However, you should consult your own attorney if you have any questions regarding community property laws and the division of property at the death of either spouse. Please see our Customer Privacy Statement for your choices about information sharing. B. 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. 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. The mediation itself as well as the outcome of mediation shall be kept strictly confidential. ), or otherwise made available to you. If your permanent residence is outside the State of Texas or the U.S., the arbitration proceeding shall be conducted in San Antonio, Texas. You may change your phone number by following the steps outlined at www.frostbank.com. 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). Online. Please note that you'll still be able to view the current page on frostbank.com. Check cashing services for payroll checks, government checks, tax checks, and money orders are available at many Walmart stores for a small fee$4 for checks $1,000 or less and $8 for checks higher than $1,000, with a maximum check amount of $5,000. Limitation of Liability All costs and expenses associated with the negotiation of the dispute shall be paid by the Party incurring such cost or expense. For two-party personal checks, the limit is $200, and for all other checks, it's $5,000though Walmart does increase this to $7,500 from . (9) Fees These features and procedures are the sole responsibility of your Digital Wallet provider. (v) Financial Institutions Liability For Failure To Make Transfers If we do not complete a transfer to or from your Account on time or in the correct amount according to our Agreement with you, we will be liable for your losses or damages up to the amount of the transfer. (Funds Availability Policy Disclosure) apply only to demand deposit checking Accounts. 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. TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, ANY MOBILE CARD IS PROVIDED TO YOU AS IS AND AS AVAILABLE, WITH ALL DEFECTS THAT MAY EXIST FROM TIME TO TIME AND WITHOUT WARRANTY OF ANY KIND, AND FROST, ON BEHALF OF ITSELF AND ITS SUPPLIERS, HEREBY DISCLAIMS ALL WARRANTIES AND CONDITIONS WITH RESPECT TO ANY MOBILE CARD, EITHER EXPRESS, IMPLIED OR STATUTORY, INCLUDING, BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OR CONDITIONS OF MERCHANTABILITY, SATISFACTORY QUALITY, FITNESS FOR A PARTICULAR PURPOSE, ACCURACY, QUIET ENJOYMENT, AND NON-INFRINGEMENT OF THIRD-PARTY RIGHTS. Your use of the Account after the effective date of the amendment is your consent to the amendment. 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. You will usually need to go to the teller and present your card and ID. Examples include but are not limited to: Loading, topping up, or adding funds to prepaid card accounts, Moving funds into an eligible checking or savings account, Person-to-Person (P2P) transfers via a debit card, (iii) Limitations on Business Accounts. T. Unauthorized Transaction means a transaction that was not authorized by you, including, but not limited to, an erroneous or unauthorized debit. We may deduct these fees and expenses from any of your Accounts without prior notice to you as further described in Section VI.M. For additional information, you can view transaction details by logging into Frost Online Banking Services or you can call the number on the back of your Payment Card to speak to a Frost banker. 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. Q. These provisions do NOT apply to: (i) debits which the Bank is authorized to make from your Account(s) for service charges and other fees; (ii) preauthorized automatic transfers you have instructed Bank to make to another of your Account(s); (iii) payment of any loan that you have with us; and (iv) to certain other types of consumer transactions which are excluded from Regulation E. (3) Your Liability for Unauthorized Transfers Tell us AT ONCE if you believe your Frost Bank Debit Card or similar card, or your Frost Bank User ID, PIN or other device or code which accesses your Account has been lost, stolen or otherwise learned or acquired by an unauthorized person, or if you believe that an electronic funds transfer has been made without your permission using information from your check or otherwise. You agree that this paragraph shall survive the termination of this Agreement for any reason. 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. Investments. A. 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. can you cash a butterball check at the bank. Some or all of these original paper checks may be replaced with Substitute Checks. You should treat the voided check with care because someone else who obtains possession of it could use the information to initiate additional debits against your Account. We do not make any warranties or representations about the third parties or their products or services. Checks or items prohibited by Banks current Documentation relating to Digital Deposits, or checks or items which are otherwise not acceptable under the terms of your Account(s). N. Indemnification Should a drawee financial institution or other third party make a claim against us or seek recredit with respect to any Electronic Image, we may provisionally freeze or hold aside a like amount in your Account pending investigation and resolution of the claim. (Notice of Amendments). (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. See how easy it is to deposit checks with the Frost App for iPhone and Android devices. You understand that all electronic funds transfers must originate from an Account on which you are an Account Holder. We establish different categories of withdrawals or other debits as part of our processing practice and generally process withdrawals within each category as described below. Such electronic debits generated by ARC, POP or BOC conversion are separate and distinct from Substitute Checks discussed previously, and are governed by separate laws rules and regulations for electronic debits. 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. 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. That organization will apply its procedures in effect at the time the arbitration claim is filed. Any Frost Bank customer or visitor violating the Premises code of conduct may be asked to immediately cease the conduct in violation of the Frost Bank code of conduct or leave the Premises. Walmart is one of the most global and accessible check cashing places on this list. Wait for the teller to verify the funds and stamp your check as certified. 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. N. Legal Process includes, but is not limited to, a writ of attachment, execution, garnishment, tax withholding order, levy, restraining order, subpoena, warrant, injunction, government agency request for information or action, search warrant, forfeiture, or other similar order. 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. You should read the rest of this Agreement and applicable Schedules for any applicable fees, interests, or other charges associated with your Account. (iii) Right to Revoke Authorization for Pre-Authorized Transfers You may revoke your authorization for any payee to originate pre-authorized transfers from your Account by giving us written notification. In any of these events, you agree that our sole obligation shall be to provide notice of our termination of Digital Deposits to you, and that such notification will be reasonable if it is mailed to your statement mailing address immediately upon termination. For the avoidance of doubt, any transaction you make with your enrolled Frost Payment Card using the Digital Wallet Service will be considered the same as if you had presented your physical Payment Card in person to conduct the transaction and all applicable fees and interest will apply per the terms of your cardholder agreement with Frost. 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. Q. You represent that you are not engaged in the production, manufacturing/refinement, distribution or sale of cannabis or cannabis-derived products that are classified as Schedule I drugs under the federal Controlled Substances Act either directly or indirectly. We may not provide this notice to you prior to placing a Hold on your Account(s) if we believe that such notice could result in a security risk to us or to the owner of the funds in the Account. An Electronic Image rejected in this manner is not deemed received by us. to any branch of your bank. We will not be liable for the dishonor of any Item when the dishonor occurs because we setoff a debt against your Account. Lodefast: Best for Akimbo Card Carriers. (11) Preauthorized Drafts (iii) Agency Account An Agency Account is an Account to which funds may be deposited and withdrawn by an agent designated by the owner of the Account. Second Business Day after approval. To the extent that any of the defined terms in this Agreement or in the Documentation use a term not defined herein but otherwise defined in Regulation CC, then such definition also incorporates the meaning assigned to the applicable term as set forth in Regulation CC. In order to serve you better, and for quality assurance and other purposes, we reserve the right, but are not obligated to, record any customer service or other telephone calls between you and the Bank, and you consent to any recording. Wells Fargo Check Cashing Policy For Non-account Holders. - Locate 1,700+ Frost ATMs and 150+ financial centers. sender) and receiver (i.e. All third-party intellectual property marks, including the logos of merchants, are the property of their respective owners. Effective August 7, 2022 Such negotiation may include an in person meeting between you and the Bank at a mutually agreed time and place, and an exchange of documents pertaining to the dispute. If you will need the funds from a deposit right away, you should ask us when the funds will be available. Frost Bank may also exercise its right to deny entry to the Premises to any Frost Bank customer or other person what is identified as being disruptive or a threat to Frost Bank employees, Frost Bank customers, or others. You can cash a third-party check at some banks, credit unions, and several check-cashing stores across the country. You understand that we may receive compensation in connection with such conversion. 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