(1) Payment of Interest 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. We may agree with other banks regarding times and methods for collecting or returning items. (7) Electronic Check Conversion Frost Bank is committed to providing you robust fraud protection services and tools. For further information regarding the use of your Debit Card, please refer to the applicable Frost Bank Card Agreement and Disclosure applicable to those services. P. Your Responsibilities, IX. However, the amount on your deposit receipt is based only on the deposit slip you complete. For this reason, by adopting a form of Mark, you agree you shall have the sole responsibility for maintaining security of the Mark and the device by which the Mark is affixed, and you are assuming all risk of loss resulting from the unauthorized use and or forgery of the Mark, and we will not be liable to you if use of the Mark was unauthorized. Frost Online Banking Services for Personal and Business Accounts (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. 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. You agree not to misrepresent your identity or your Account information. In order to help us prevent fraud or other loss regarding your Account, you agree to exercise ordinary care to safeguard all Account checks, Debit Cards, PINs, User IDs, Account statements, and any other document or instrument that contains or may contain your sensitive financial information. The mediation shall occur in the county seat of the Texas county of your permanent residence, or if your permanent residence is outside of the state of Texas or the U.S., then in San Antonio, Texas. B. With any Account type, each joint Account Holder, designated agency signer (see below for description of Agency Account), convenience signer, and Power of Attorney or agent acting on behalf of a joint Account Holder, without the consent of any other Account Holder or signatory, may, and hereby is authorized by every other joint Account Holder, to make any transaction permitted under the Agreement, including without limitation: to withdraw all or any part of the Account funds; to (except for agency signers and convenience signers) pledge the Account funds as collateral to us for any obligation, whether that of one (1) or more Account Holders or of a third party; to endorse and deposit checks and other items payable to any joint Account Holder; to give stop payment orders on any check or item, whether drawn by that Account Holder or not; and to close the Account, with the disbursement of Account proceeds as instructed by the Account owner or joint Account Holder. R. Cash Vault Services and Smart Safe Services. We may reverse the refund (including interest on the refund) if we later are able to demonstrate that the Substitute Check was correctly posted to your Account. 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. 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. Accordingly, any information you provide to your Digital Wallet provider or another third party through the Digital Wallet Service, or that is collected or accessed by your Digital Wallet provider in the course of your use of a Mobile Card or the Digital Wallet Service, is subject to third-party agreements, and is not governed by Frosts Customer Privacy Statement or this Agreement. You acknowledge that the terms of the Texas Uniform Commercial Code Section 4.209 pertain to all encoded items. K. Changes to Digital Wallet Service Terms. You are responsible for the establishment and maintenance of your internal procedures reasonably adapted to insure the confidentiality and security of Security Procedures. If you cash out your paper I bonds at a bank, the bank may provide the 1099-INT form. 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. YOU UNDERSTAND AND AGREE THAT YOU WILL BE RESPONSIBLE FOR MAINTAINING SECURITY AND CONTROL OVER ALL USER IDS AND PASSWORDS PROVIDED BY BANK, AND SHALL USE SECURITY FOR SUCH ITEMS COMPARABLE TO THE SECURITY AND CONTROL YOU WOULD USE FOR CASH, BUT IN NO EVENT LESS THAN REASONABLE SECURITY AND CONTROL IN THE CIRCUMSTANCES. Original Checks or other items previously converted to a Substitute Check. If your loss exceeds the amount of the Substitute Check, you may be able to recover additional amounts under law. Any action by us for reimbursement from you for any costs or expenses may also be made against your estate, heirs and legal representatives, who shall be liable for any claims made against and expenses incurred by us. Please feel free to call us at 1-800-513-7678. (Fraud and Loss Prevention; Legal Process; Legal Compliance; Reservation of Rights) of this Agreement, including, but not limited to, an interpleader action. Daily Balance means the application of a daily periodic rate to the full amount of principal in the Account each day. Wells Fargo Check Cashing Policy For Non-account Holders. On your death, your ownership passes as a part of your estate under your will or by intestacy. M. Right of Setoff IMPORTANT INFORMATION ABOUT CASH REPORTING REQUIREMENTS FOR BANKS UNDER THE BANK SECRECY ACT. You further agree that we are not responsible for any loss to you in doing so. (Payable on Death) Designation If you have opened this type of Account then you are the sole owner of the Account. 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. Your stop payment order will not be effective if we have already certified, paid or otherwise become responsible for the check. You represent that you are the legal owner of the Account(s) and other financial information which may be accessed via the Digital Wallet Service. (1) Cash Vault Services Cash Vault Services allows a Business Account customer to have coin and/or currency deposits (Vault Deposits) delivered to a remote cash vault location for processing. The interest rate and annual percentage yield may change at any time at our discretion. If you will need the funds from a deposit right away, you should ask us when the funds will be available. Cash the check at a check-cashing store. You can cash a third-party check at some banks, credit unions, and several check-cashing stores across the country. We may in our sole discretion withhold providing this accelerated provisional credit, to the extent allowed under applicable law, if we believe that the circumstances or Account history warrants the delay. 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. K. Changes to Digital Wallet Service Terms Frost may not add a Payment Card to the Wallet if Frost cannot authenticate the Payment Card or if Frost otherwise suspects that there may be fraud associated with the Payment Card. However, some of these services may not be available at all POS or ATM terminals. 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. AnytimeCheck: Best for Businesses. All checks and other items physically deposited to your Account should be endorsed payable to the order of Frost Bank for deposit only, followed by your signature and Account number. End of business day (no earlier than 2pm) No earlier than 12pm (3pm at non-PNC ATMs and 10pm for . Electronic funds transfers refers to the following activities with respect to a Personal Account: ATM and Debit Card transactions (including POS transactions), direct deposits of payroll checks or government checks, preauthorized withdrawals, other direct deposits, use of our 24-hour automated phone system or use of Frost Online Banking Services. (6) Online Banking, Mobile Banking, and Bill Payment Services Frost Bank We may pay any sum in the Account to a Party, including a Partys Power of Attorney or agent, at any time. Such other bank may instead send us a Substitute Check or, in some cases, an Electronic Image by which we can create a Substitute Check. (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. Funds Availability Policy Disclosure to any branch of your bank. (3) Holds on Other Funds (Check Cashing) For all checks and other items deposited into your Account, you warrant that all endorsements are genuine. We may also restrict the types or sizes of transactions we permit an agent to conduct. You may ask for copies of the documents that we used in our investigation. SUBSTITUTE CHECK POLICY DISCLOSURE BOC conversion may occur at a retailer who posts notice that your check may be converted to an electronic debit via the retailers back-office processes, and the retailer or merchant may provide you with written notice of these conversion procedures and may, at the retailers discretion, destroy your check. (Consent to Autodialed and Prerecorded Phone Calls and Text Messages) of this Agreement, you expressly consent to receive phone calls, text messages, push notifications, and emails related to the Digital Wallet Service from Frost and any Frost third-party service provider at any phone number (including any mobile phone number) and email address you have provided to Frost or any Frost third-party service provider. You may not copy, decompile, reverse engineer, disassemble, attempt to derive the source code of, modify, or create derivative works of any Mobile Card or the Digital Wallet Service, any updates, or any part thereof (except as and only to the extent any foregoing restriction is prohibited by applicable law or to the extent as may be permitted by the licensing terms governing the use of any open sourced components included with a Mobile Card or the Digital Wallet Service). computer hacking, virus attack, or theft or loss of any equipment containing data owned by you), it is your sole responsibility to determine whether you have the obligation, under applicable law, to notify potentially affected individuals whose sensitive PII may have been compromised by the security breach incident. Frost Bank Credit Card login: can check the location in Texas account customers and expand overdraft to be available to all Frost Plus & Frost personal account. If you have made a Statement Hold Request, you acknowledge and agree that we will hold your Account statement(s) rather than mailing them to you. We do not make any warranties or representations about the third parties or their products or services. (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. Note, however, that you are also responsible for notifying your Digital Wallet provider if your Supported Digital Wallet Device is lost or stolen. 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. Heres how: call us at 1-800-513-7678, or write to us at Frost Bank, Attn: Stop Payment Clerk, P.O. Please carefully read this Agreement and other related Account and Frost Bank documents, and save them for future reference. Any physical or verbal behavior that endangers or harms Frost Bank employees, other Frost Bank customers, or other visitors to the Premises constitutes a threat and Frost Bank may, in its discretion, remove the offending Frost Bank customer from the Premises, or may take other actions within Frost Banks rights, including prosecution. (1) Your Ability to Withdraw Funds Bottom Line. C. Funds Availability Policy Disclosure. You should read the rest of this Agreement and applicable Schedules for any applicable fees, interests, or other charges associated with your Account. You have the right, at your own expense, to employ separate counsel to participate in such matter on a non-controlling basis. 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). (a) Multiple-Party Account without Right of Survivorship If this is the type of Account you have with us, then you own the Account in proportion to your net contributions to the Account. Obtain balance information for your checking or savings Account. Your Digital Wallet provider, in its sole discretion, determines which Mobile Devices are eligible to be used with the Digital Wallet. Free for personal checks; $3 for business checks under $100 and $5 for business checks of $100 or more. Please feel free to call us at 1-800-513-7678. A. You may not stop payment on an official, certified, cashiers, or tellers check issued by us, or request us to stop payment if we have otherwise become accountable for the check. Take a photo of the front and back of your check. We will determine whether to pay or return a withdrawal or debit each time it is presented to us for payment. On your death, your ownership of the Account passes to the surviving parties. 5 business days after the day of the deposit. There are limits on how much you can cash at Walmart. Disputes in excess of $100,000 are subject to this same limitation. However, under Article XVI, Section 50(a)(6)(H) of the Texas Constitution, we may not setoff against any of your Accounts for a liability arising from a home equity loan secured by Texas Homestead Property. Customer agrees that the findings and records of the Smart Safe Vendor shall be conclusive and binding upon Customer. More than $1,500. If you want to transfer ownership, we may require that you close the Account and open a new Account in the name of the transferee or pledgee. We will not allow you to pledge the Account as collateral for any loan to you. Subject to applicable law, we may exercise our right of setoff that we are entitled to exercise under common law, under this Agreement and under statute (see Texas Finance Code Section 34.307), or security interest to recover amounts you owe us from any and all Accounts you maintain with us or with our affiliates before we pay checks or other items drawn on the Account(s), without notice to you, except that this provision does not apply to any IRA Keogh Plan, certain Trust Accounts (but excluding Totten Trust Accounts), or Health Savings Accounts. This means that each joint Account Holder, but not a designated agency signer or convenience signer, is fully and personally obligated to Frost Bank under the terms of the Agreement, including liability for Overdrafts and debit balances, irrespective of which joint Account Holder or signatory benefited from the withdrawal. From time to time, we may offer or you may open various types of deposit Accounts. The 615 ATMs at Valero Corner Stores, added to 469 ATMs operated by Frost Bank, will boost Frost's overall ATM network in Texas to 1,084. If we are unable to place a stop payment on a transaction for any reason, you must cancel the card. $25. 2. Original Check means the first paper check issued to or endorsed in your favor with respect to a particular payment transaction. Withdrawal categories are generally processed in the following order: ATM and Debit Card transactions are processed in the order we received them, provided that such ATM or point-of-sale terminal or network is properly operating. All disputes arising from or related to your Account or this Agreement shall be governed by the substantive laws of the State of Texas (without regard to its conflict of laws principles). If you fail to notify Frost, you may be liable for all or a portion of the losses associated with unauthorized use of your Payment Card whether or not that use was through the Digital Wallet Service. You agree that we shall not have any liability for any breach of any representation, warranty or covenant of this Agreement to the extent caused by: (1) the unavailability of the external connection services and other Internet network functions for Digital Deposits; (2) any use of the Digital Deposits by you in a manner not as set forth in this Agreement or the Documentation, or in a manner for which it was not designed, or in combination with systems, products or components not supplied or approved in writing by us; or (3) your use of Processing Software, equipment or other systems not approved or supplied by us. If your daily balance is $5,000 or more, the interest rate paid on the entire collected balance in your account will be 0.12%, with an annual percentage yield of 0.12%. 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. 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. You deposit checks totaling more than $5,525 on any one (1) day. 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. Show valid identification to the teller. If a valid reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods. This Agreement will control any conflicts between its procedures and this Agreement. Systems and Software Usually, when you deposit a check, you first need to sign the back of it. If any capitalized term defined below is used in the provisions of Regulation CC (Vol. Although we usually pay withdrawals or checks without notice on your Account, doing so does not mean that we give up our right to require you to provide such prior written notice. Cash it at the issuing bank (this is the bank name that is pre-printed on the check) Cash a check at a retailer that cashes checks (discount department store, grocery stores, etc.) Frost is not responsible for and is unable to disable your Supported Digital Wallet Device or Digital Wallet; Frost can only disable your Payment Card. If you breach this restriction, you may be subject to a civil lawsuit, prosecution and damages. In those cases, we will restrict your Account against all future withdrawals other than under Legal Process until pending transactions are paid or returned, the balance is no longer negative, and any legal restriction has been released. You must separately contract with an armored carrier (Carrier) that is acceptable to us to allow Vault Deposit delivery to a remote cash vault location. If you choose to designate a beneficiary, you must complete a beneficiary designation form at the time you open this Account. Call a Frost Treasury Management Representative Monday - Friday from 7am - 6pm CST at (888) 481-0336. What if I do not want to provide the Bank with this information? Such a stop payment request will not apply to any pre-authorized debit card transactions that are already being processed and are pending as of the date of your stop payment instruction, but it will apply to any future recurring pre-authorized debit card transactions. DIGITAL WALLET SERVICE Failure to comply with the requirements above may prohibit you from recovering certain funds that were transmitted electronically, and may also preclude us from being able to return ACH transactions in accordance with NACHA Operating Rules and Operating Guidelines. For claims in excess of $100,000, the matter will be decided by a panel of three (3) arbitrators, one of whom shall be appointed by you and one by the Bank. In fact, the filing of a CTR is a common, routine event. F. Checking Subaccounts In addition, we provide various fraud monitoring products and services that assist in preventing fraudulent activity that we strongly recommend you implement regardless of any suspected irregular or fraudulent activity, and we may also require that you implement specific fraud monitoring products or services in the event that your Account has been compromised due to unauthorized, fraudulent, illegal or unlawful activities. You may change your phone number by following the steps outlined at www.frostbank.com. If we suspect that your Account has been subject to irregular, unauthorized, fraudulent, illegal or unlawful activities, and we notify you regarding such activity, it is strongly advised that you close the affected Account and open a new Account. 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. We may use funds held in multiple-party Accounts to repay the debts on which any one of you is liable, whether jointly with another or individually. If you enroll in the Digital Wallet Service and your Supported Digital Wallet Device is lost or stolen, or you have reason to believe that your Supported Digital Wallet Device has been compromised, including that of your fingerprint reader, PIN, or other security device, you agree to contact Frost immediately so that Frost can take action to disable your Payment Card for use within the Digital Wallet Service. At no time is the Bank liable for the contents of such transfers. No, the IRS does not directly check your bank account. 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. Neither Party shall make any objection to a proposed mediator except for good cause shown. Electronic Funds Transfers Generally. We may accept for deposit checks payable to any signer on your Account when endorsed by any other signer. 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