For disputes less than $100,000, a single arbitrator will conduct the arbitration and will use substantive Texas law, the applicable statutes of limitations, statutes of repose, and conditions precedent to suit, and will honor claims of privilege recognized at law. For sale of monetary instruments reporting purposes, Frost Bank will accept passports and the Matricula Consular Card. Accordingly, you agree not to attempt to change any Original Check you write or receive into a Substitute Check unless we, in our discretion, have first entered into a separate written agreement with you to permit you to create Substitute Checks that we will honor when deposited into your Account. Easy breezy payments. Where there is any conflict of law regarding an appeal of any decision of the arbitrator(s), you and the Bank agree that Texas law shall control. I am over it and will be banking somewhere else. (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). We may (but are not required to) refuse to accept a check or other item for deposit to your Account if: (1) the check or other item is made payable to someone other than you or a joint Account Holder with you; and (2) the check or other item is not endorsed to you or a joint Account Holder with you. This Agreement contains the general terms and conditions governing your deposit Accounts with us. The ownership of the community property Account during your lifetime and after your death is determined solely by state law and may be affected by a will. Specialties: Banking. Deposit accounts include checking, savings, money market, CDs and . E. Assignability Over the phone. All endorsements must appear on the back of the check or other item within the first 1-1/2 inches from the left side of the item when looking at it from the front, except that for Substitute Checks, endorsements that appeared on the back of the Original Check must also appear on the back of the Substitute Check. Overdraft means any event that results in your Account having a negative Current Balance. (8) Signatures Underneath the line where you sign the check is a small area for notes. Why are banks required to obtain this information on cash transactions over If you change any phone number you have provided to Frost or any Frost third-party service provider, for any reason, you agree to immediately notify Frost to ensure that the above communications are not interrupted or inadvertently delivered to another recipient who may be reassigned your prior phone number. If the beneficiary requires you to send payment in U.S. We strongly encourage you to review the Security Procedures, requirements and recommended practices in your applicable agreement and disclosure and any supporting documentation regarding Frost Bank Online Banking Services, which includes Mobile Banking Services and Banks remote deposit capture services, Digital Deposits., C. Mobile Device and Wireless Internet Access. FROST MAKES NO GUARANTEES ABOUT THE INFORMATION SHOWN IN THE DIGITAL WALLET SERVICE SOFTWARE OR HARDWARE IT CONTAINS AND MAKES NO REPRESENTATIONS, WARRANTIES, OR GUARANTEES REGARDING THE SAME. You may ask for copies of the documents that we used in our investigation. For determining the availability of your deposits, every day is a Business Day, except Saturdays, Sundays, and federal holidays. You expressly warrant that no entry delivered to us will, if we accept it, cause us to be in violation of any sanction administered by the United States Department of Treasurys Office of Foreign Assets Control (OFAC) or any applicable anti-money laundering statute, including, but not limited to, the federal Bank Secrecy Act and the USA-PATRIOT Act. D. Limitation on Liability (9) Multiple Signatures We are not required to monitor or enforce any multiple- signature requirement, even if your Signature Card specifies that multiple signatures are required or you have otherwise instructed us to do so. We will determine whether an error occurred within ten (10) Business Days after we hear from you and will correct any error promptly. It is not Frosts responsibility to detect any inconsistency between the Account number you provide and the name. What if I do not want to provide the Bank with this information? You agree to safeguard your Supported Digital Wallet Device at all times and not leave it unattended. Frost does not own, operate, or control any Digital Wallet and is not responsible for any service provided to you by your Digital Wallet provider or by any third party engaged by your Digital Wallet provider. Funds that are deposited using Digital Deposits will not be deemed received by us until we have received an Electronic Image that meets all of the requirements for deposits via Digital Deposits (including all requirements to create a Substitute Check) stated in this Agreement and in the Digital Deposits documentation. Account statements sent or made available to any Account Holder are deemed to be received by all Account Holders. A. Debit Card Services (Including Health Savings Account Debit Cards). All third-party intellectual property marks, including the logos of merchants, are the property of their respective owners. E. Security Procedures We may send checks to any bank or directly to any non-bank drawee in our customary manner. You agree to repay immediately an Overdraft caused by a return of a cashed or deposited item. (b) Limitations there are no limitations on the number or dollar amount of transfers you may make per day. - Create memos for each transaction. Find the nearest Frost Bank location near you | Branches, ATMs, Banking, and Financial Services in Texas We may (but are not required to) refuse to accept a check or other item for deposit to your Account if: 1) the check or other item is made payable to someone other than you or a joint Account Holder with you; and 2) the check or other item is not endorsed to you or a joint Account Holder with you. 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. B. Federal law requires all banks to obtain certain information on all cash sales of monetary instruments between $3,000 and $10,000. Once coin and/or currency is picked up by Carrier, the Carrier accepts liability for the Vault Deposit during the transfer from the customers location to the remote cash vault at the designated Carriers location. Q. (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. (Payable on Death) Designation If you have opened this type of account, then you are the sole owner of the Account. (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. Currency will only be removed from the Smart Safe by an authorized Smart Safe Vendor representative. When exchanging customer information with third-party processors, we enter into confidentiality agreements with respect to customer data. (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. 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. If a check or item is returned or payment is delayed as a result of any writing or marking that you or a prior endorser placed on the front or back of the check or item, you will be responsible for any cost and liabilities associated with such return or delay. If we are not going to make all of the funds from your Digital Deposits available on the first Business Day after the day of your deposit, we will notify you at the time you make your deposit. If any person notifies us of a dispute, we do not have to decide if the dispute has merit before we take further action. Funds will normally be withdrawn from your Account the next Business Day. You agree that, unless a different period is set forth herein, any claim, action, suit or proceeding against Frost for damages resulting in any respect from its acts or omissions in its performance under this Agreement must be brought within two (2) years from the date of Frosts alleged act or omission. - Send money to anyone, anywhere in the U.S. and make bill payments on the go. 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. To the extent that any term used by Bank in providing you the Digital Deposits is a term that is not used or defined in this Agreement or in the Documentation, you and Bank agree to such term commonly used with regard to remote deposit capture services shall have the meaning as defined in Regulation CC if such term is so defined. (3) If your Account is a Personal Account, then these electronic debit transfers are governed by the Electronic Funds Transfer Act and the Consumer Financial Protection Bureaus Regulation E (Regulation E), and all electronic checks (both debits and credits) are also governed by the Operating Rules and Operating Guidelines of the National Automated Clearing House Association (NACHA) and are also subject to the separate Frost Bank Electronic Funds Transfer Agreement and Disclosure as described in Section X.B. Although Frost Bank employs security and authentication procedures for customers using our Online Banking Services (including optional Mobile Banking Services), we strongly encourage you to conduct wireless Internet online banking activities only over a secure wireless network to further ensure that your Account information, password, User ID and any AAI cannot be intercepted during transmission over a wireless network without your knowledge or authorization. You understand that your use of the Digital Wallet Service is subject to the terms and conditions of this Agreement, including this Section VIII. FROST, ON BEHALF OF ITSELF AND FROSTS SUPPLIERS, ALSO DOES NOT WARRANT AGAINST INTERFERENCE WITH YOUR ENJOYMENT OF ANY MOBILE CARD OR THE DIGITAL WALLET SERVICE, OR THAT THE FUNCTIONS CONTAINED IN, OR SERVICES PERFORMED OR PROVIDED BY, A MOBILE CARD OR THE DIGITAL WALLET SERVICE WILL MEET YOUR REQUIREMENTS, THAT THE OPERATION OR AVAILABILITY OF A MOBILE CARD OR THE DIGITAL WALLET SERVICE WILL BE UNINTERRUPTED OR ERROR- FREE, OR THAT DEFECTS IN A MOBILE CARD OR THE DIGITAL WALLET SERVICE WILL BE CORRECTED. Our acceptance of any Third Party retained by you based on our qualification criteria is not a representation or warranty by us regarding the fitness of the Third Partys capabilities or financial condition, nor is such acceptance by us an endorsement of any Third Partys ability to perform the Third-Party services for you. 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. Lost, Destroyed or Stolen Cashiers Checks, Tellers Checks or Certified Checks If you use this procedure with respect to a Personal Account, you may receive up to $2,500 of your refund (plus interest if your Account earns interest) within ten (10) Business Days after we receive your claim and the remainder of your refund (plus interest if your Account earns interest) not later than forty-five (45) calendar days after we receive your claim. Cash the check at a check-cashing store. 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. Frost Bank is committed to providing you robust fraud protection services and tools. (2) Multiple-Party Accounts F. Frost Bank Property, Branch and ATM Code of Conduct, IV. An Electronic Image rejected in this manner is not deemed received by us. (1) Your Ability to Withdraw Funds These provisions apply only to demand deposit checking Accounts where deposits are made via Digital Deposits. (9) Fees P. Your Responsibilities, IX. Lodefast: Best for Akimbo Card Carriers. - View and zoom, save and print cleared check images. All endorsements must appear on the back of the check or other item within the first 1-1/2 inches from the left side of the item when looking at it from the front, except that for Substitute Checks, endorsements that appeared on the back of the Original Check must also appear on the back of the Substitute Check. E. Withdrawal Rules If your Account is a time deposit, you have agreed to keep the funds on deposit until maturity. L. Disclaimer of Warranties 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 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. C. Customer Representations and Agreements; Indemnity. (2) Longer Delays May Apply In some cases, we will not make all of the funds that you deposit by check available to you on the first Business Day after the day of your deposit. the sender of the ACH debit transaction), but this may stop all ACH items from this sender. Because of a lack of real-time balance information when in Stand-In Mode, we encourage you to use caution when conducting transactions that may move your Account balance into a negative or overdrawn status, which may cause you to incur an associated Overdraft fee. The first $225 of your deposits, however, will be available on the first Business Day after the day of your deposit. (Information Regarding Digital Deposits)) your checks, you understand that neither your Original Checks nor Substitute Checks will be returned with your Account statement. Purchases or other transactions you make with any of your Payment Cards are governed by the card member agreement for the Payment Card you used to create your Mobile Card. You should read the rest of this Agreement and applicable Schedules for any applicable fees, interests, or other charges associated with your Account. You can get your check sent to your bank, prepaid card, or PayPal account. If Frost has approved you to deposit Remotely Created Checks, and you deposit a Remotely Created Check into your Account, you warrant and guarantee that the Remotely Created Check is authorized according to the terms on its face by the person identified as drawer. Further, the Account is subject to the right of setoff as further described in Section VI.M. Relationship to Your Digital Wallet Provider 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. $30. Limitation of Liability Systems and Software 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. If your permanent residence is outside the State of Texas or the U.S., the arbitration proceeding shall be conducted in San Antonio, Texas. In addition, federal statute permits us to report information about your Account to credit bureaus, and you hereby consent for us to do so. (2) Minimum Balance Requirements Money orders can be used for a variety of purposes, including paying for large purchases through private sales, sending money to family members or putting a security deposit down on a new apartment. (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. B. 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. If you have Overdraft protection with us, you authorize us to make transfers and/or advances to your Account(s) pursuant to the Frost Bank Overdraft Protection Agreement if the balance in your Account is at any time insufficient to support any transfers you authorize. Funds Availability Policy Disclosure (2) If you do not comply with the requirements above, we are not required to reimburse you for any claimed loss, and you cannot bring any legal claim against us in any way related to the Item or errors. In addition, Frost also utilizes certain geo-location fraud prevention services. 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. You must promptly notify us of any change in your address or name. THIS PARAGRAPH SHALL SURVIVE TERMINATION OF THIS AGREEMENT FOR ANY REASON. You may transfer up to $5,000 per card per day between your Account and other eligible accounts through Account Funding Transactions (AFTs). Just open up the app. There are over 130 in the state of . Dollars, you must advise us at the time of the transaction. 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. You agree to reimburse us (and we may charge your Account) for all claims, costs, losses and damages, including attorneys fees, that result from our payment of a withdrawal bearing either a facsimile that resembles or purports to bear your signature or Mark or a facsimile that we believe you authorized. (i) Account Access you may use your card and PIN to: Withdraw money from your checking or savings Account; Make deposits to your checking or savings Account; Transfer funds between your checking and savings Accounts; Pay for purchases at places that have agreed to accept the card; and. Regardless of whether the check, which bears or purports to bear the Mark was, in fact, authorized by you. If the business uses POP to take a blank check to initiate an electronic debit at the POS, the business should give you notice of the POP conversion and return the voided check to you. Once such data owned by you is delivered by Bank to you, retrieved by you from Bank, or otherwise created as a by-product of a transaction between you and Bank and retained by you, such data owned by you is solely within your possession and control. ACCESS, USE AND MAINTENANCE OF A MOBILE CARD DEPEND ON THE DIGITAL WALLET AND THE NETWORKS OF WIRELESS CARRIERS. We have written procedures for providing and maintaining security for customer data and records. We may set the rate of both existing and future fees and charges upon the overall costs of providing Account services, and they need not be based upon the direct cost of providing the particular service involved. You should review any minimum balance requirements on any applicable Schedule(s). For Visa transactions, we may impose greater liability, to the extent allowed by law, if we reasonably determine that you were negligent or fraudulent in the handling of your Account or your personal Debit Card. You deposit checks via Digital Deposits totaling more than any applicable daily dollar amount limit, monthly Item limit or any other limitations on your Digital Deposits that Bank may impose. If you cash out your paper I bonds at a bank, the bank may provide the 1099-INT form. G. Interest-Bearing Checking Accounts You might not be able to cash a check at any bank, but you can cash one at most banks and credit unions. (ii) Single-Party Account with P.O.D. 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. (1) day. You understand we will process only your Electronic Images that comply with the Standards and are Sufficient Image Copies, and we will use commercially reasonable efforts to present these Sufficient Image Copies for collection under the Check 21 framework. In addition, the Bank is required to examine and record at least one (1) form of identification. An Agency Account designation may be combined with one (1) of the other forms of Account ownership, except that it may not be combined with a convenience Account. 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