More than $1,500. Original Checks or other items previously converted to a Substitute Check. (iii) Tell us the dollar amount of the suspected error. For stop payment orders on recurring ACH transactions, you can obtain the company name of the payee from your statement by looking at a prior ACH debit from that payee that posted to your Account. A. You agree to be bound by any payment order for any Wire Transfers or other transfers not governed by the Electronic Funds Transfer Act, whether or not such payment order is authorized, issued in your name and accepted and executed by us in compliance with any commercially reasonable Security Procedures as mutually agreed to by you and us. In no event shall we be liable to you for any losses arising from currency conversions requested by you and carried out by us within a reasonable time after receiving funds for conversion. It does not include transactions you may have initiated that have not yet cleared, such as debit card transactions that were authorized but not yet presented for payment or checks you may have written but have not yet been presented to Frost for payment. If a third party is also involved in the dispute, and a Party invokes such dispute resolution provisions, then the dispute will be decided with respect to the third party according to the dispute resolution provisions set forth above as well. Telephone Customer Service While we may accept non-conforming endorsements, you will be responsible for any loss incurred by us due to the delay in processing or returning the item for payment. 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. Choose when you want your money, and where you want your money to be deposited. Frost Online Banking Services for Personal and Business Accounts To facilitate your participation, you acknowledge and agree that Frost may make certain Account information relating to each Payment Card you have selected to use with the Digital Wallet Service available for display, including your most recent transaction data, but not your full Payment Card account number. C. Average Daily Balance means the application of a periodic rate to the Average Daily Balance in the Account for the period, determined by adding the full amount of principal in the Account for each day of the period and dividing that figure by the number of days in the period. You understand that your use of the Digital Wallet Service is subject to the terms and conditions of this Agreement, including this Section VIII. In addition, you acknowledge that the Electronic Image of the Original Check submitted to us shall be deemed an item within the meaning of Article 4 of the UCC as adopted in the Texas Business and Commerce Code. This is called endorsing the check. 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. Pay and get paid from other Frost accounts in seconds using only your phone number, make local transfers instantly . If you have selected Online Statement Delivery as your statement preference, you will receive a notification when your statement is posted. Funds Availability Policy Disclosure. A MOBILE CARD AND THE DIGITAL WALLET SERVICE ARE LICENSED, NOT SOLD, TO YOU FOR USE ONLY UNDER THE TERMS AND CONDITIONS OF THESE TERMS OF USE. Use of our electronic funds transfer services is subject to existing regulations governing your Account and any future changes to those regulations. You agree that a Mobile Card may be automatically updated or upgraded without notice to you. Regions Bank: 1% of check amount $5 minimum to $20 maximum for checks over $25. On the death of the last surviving trustee, the ownership of the Account passes to the beneficiary. In addition, you must notify us promptly if you do not receive an Account statement. If you do and the check is presented for payment before the actual date on the check, we may pay it or return it unpaid. We may pay the withdrawal and may charge your Account for it. 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 reserve the right to refuse the acceptance of any particular transfer for any reason. If you have any questions or issues with a third-party product or service, including issues pertaining to the operation of your Supported Digital Wallet Device, please contact the appropriate third party in accordance with that third partys procedures for customer support and assistance. E. Device Eligibility Pay the check amount plus the fee to certify the check. It is important that you understand that attempts to avoid the filing of a CTR by breaking up a transaction into amounts under the reporting amount, behavior commonly referred to as structuring, is a violation of federal law. Consider a prepaid card account. If an item to be charged back is lost in the process of collection or unavailable for return, we may rely upon a photocopy of the item or upon any other generally accepted notification of return of the item, in charging you or any of your Accounts for the amount of the returned item. If your Current Balance is less than the amount necessary to pay the withdrawal or debit when it is processed against your Account, we will determine, in our sole discretion, whether to pay the withdrawal or debit resulting in an Overdraft or dishonor the withdrawal or debit (return the withdrawal or debit unpaid). A. Upon receipt of any deposit(s), the Smart Safe Vendor will verify currency amounts removed from each of customers Smart Safes. In accordance with commercially reasonable banking industry standards and practices, most checks and other items are processed through automated processing and, except in limited circumstances and in our sole discretion, most items are not individually examined. The Parties may select a mutually agreed-upon mediator; provided, however, that the person selected as mediator must: (i) have ten (10) years or more of practical working experience in the banking industry; (ii) be an attorney licensed by the state of Texas, in good standing with the Texas State Bar, with substantial experience in the trial or resolution of business disputes; or (iii) be a member in good standing of the Texas Academy of Distinguished Neutrals. 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. Despite the name, these Accounts can be checking Accounts, and not just savings Accounts. Q. 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. Meet Frost the smart digital account that compares and switches energy supplier for you, lets you pay like a local abroad, . 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. (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. The best way to minimize your loss is to call us immediately. No. You must contact us within forty (40) calendar days of the date that we mailed (or otherwise delivered by a means to which you agreed) the Substitute Check in question or the Account statement showing that the Substitute Check was posted to your Account, whichever is later. Either you or Bank may terminate Digital Deposits, with or without cause, upon thirty (30) calendar days written notice to the other of its intent to do so, sent to you at your statement address and sent to us at the address provided herein. 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. Any attempt to do so is a violation of the rights of Frost and its Third-Party Licensors. THE AGREEMENT FOR YOUR ACCOUNT the sender of the ACH debit transaction), but this may stop all ACH items from this sender. 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. You are required to have an eligible Mobile Device (a Supported Digital Wallet Device) in order to use this service. 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. FOR PERSONAL OR CONFIDENTIAL INFORMATION SENT TO OR FROM FROST OVER THE INTERNET FROM YOUR SUPPORTED DIGITAL WALLET DEVICE, FROST RESERVES THE RIGHT TO LIMIT SUCH CONNECTIONS TO SECURE SESSIONS THAT HAVE BEEN ESTABLISHED USING TRANSPORTATION LAYER SECURITY OR OTHER SECURITY STANDARDS FROST SELECTS. Frost Bank customers must respect Frost Bank employees, other Frost Bank customers, and others in the Premises. INFORMATION ABOUT YOU AND YOUR ACCOUNT The availability of funds for deposits via Digital Deposits is set forth in the Funds Availability Policy Disclosure section of this Agreement. (13) Preauthorized Payments, XI. (3) Certain Direct Deposits 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. 12 of the U.S. Code of Federal Regulations, part 229) promulgated to comply with the Check 21 Act, as it may be amended, substituted for, or recodified from time to time, then such term generally shall have the meaning assigned to it in Regulation CC. (1) Your Ability to Withdraw Funds The provisions in this Section VI.C. POP conversion may occur at a Point- of-Sale (POS) location where the business or merchant will have posted notice that your check will be converted to an electronic debit and may have you sign a receipt and may return your check to you after scanning your check. Are banks required to report cash transactions over a certain amount? SUBSTITUTE CHECK POLICY DISCLOSURE We feel a strong commitment to rigorously safeguard and protect their financial information. You also agree to promptly file a report with proper law enforcement agencies and otherwise to provide supporting affidavits, evidence and testimony we reasonably request in connection with the alleged error or unauthorized transaction. Stop by your H-E-B Business Center to cash a check or withdraw cash from your debit card! Bring a valid photo I.D. You agree that we may return a postdated check to the presenter. Mifflintown, PA 17059. M. License for Any Mobile Card You expressly acknowledge and agree: (1) our implementation of your Hold Request means any Account statement received and held by us per your Hold Request is deemed delivered to you as of the date the statement is first made available and delivered to the Statement Call division, regardless of when you physically pick up the statement from us; (2) you are solely responsible for reviewing any Account statement(s) for which you have made a Hold Request; and (3) a Hold Request does not delay, postpone or otherwise affect or modify any provisions of this Agreement regarding your responsibilities and relevant deadlines for notifying us of any Account statement irregularities or potentially unauthorized, erroneous or fraudulent transfers, and any time period for any applicable notice deadline begins running when the statement is first made available to you, which, in the case of any Hold Request, is the date the Statement Call division receives the statement. Use of the savings subaccount as a holding account may resume at the beginning of the next statement period. Daily Balance means the application of a daily periodic rate to the full amount of principal in the Account each day. Endorse the back of the check by signing your name in the endorsement area. 721 Smith Rd. 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. Your Account may be debited at the time and on the day a check or other Item drawn on your Account is presented to us for payment, by any means and we pay it, or at an earlier time based on notification received by us that the check or other Item has been deposited for collection in another financial institution. You are granted a non-exclusive, non-sublicensable, non-transferable, personal, limited license to install and use the Mobile Card and the Digital Wallet Service on your Supported Digital Wallet Device solely in accordance with these Digital Wallet Service terms and this Agreement. and even recommend an amount for you to put on ice - without breaking the bank! This limited right to use such software is revocable at the discretion of Frost. You understand, acknowledge and agree that the Bank is not responsible for any loss or damages resulting from any errors or failures of your personal computer, mobile device or data processing systems, including, but not limited to any personal computer or mobile device virus or malware attack (such as a keystroke logging program or similar malware), any attack by a person attempting or actually gaining unauthorized access to the data owned by you, or any Internet- related problems that may be associated with your access and use of our Digital Deposits. You agree that Electronic Images, as defined below, submitted via Digital Deposits (from either your personal computer or mobile device) are not subject to the funds availability requirements of the Federal Reserve Boards Regulation CC (Regulation CC). Non-resident aliens without a Social Security Number are required to provide an official document issued in their country. 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. Others do. 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. Back to top. An Electronic Image rejected in this manner is not deemed received by us. However, if we need more time, we may take up to forty-five (45) calendar days to investigate your complaint or question. FROST DOES NOT OPERATE THE DIGITAL WALLET OR SUCH NETWORKS AND HAS NO CONTROL OVER THEIR OPERATIONS. Federal law requires all banks to obtain certain information on all cash sales of monetary instruments between $3,000 and $10,000. B. To cash a check in the branch, bring your check and one form of ID, like a driver's license . We may accept any Power of Attorney that we believe was executed by you and may act on instructions we receive under such form. (Federal regulations require us to retain the right to require all savings and all NOW Account Holders to give seven (7) days written notice before making a withdrawal.) 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. You authorize us to disclose information to third parties or our affiliates about you, your Account(s), or transfers you make: Where it is necessary for completing transfers; In order to verify the existence and condition of your Account(s) for a third party, such as a credit bureau or merchant; In order to comply with government agency or court orders, or other applicable law; If you give us your written permission; and. (c) Multiple-Party Account with Right of Survivorship If this is the type of Account you have with us, then you and the other parties to this Account own the Account in proportion to each of your net contributions to the Account. Log in to Frost Online Banking and select the "Account Services" tab. (12) Converting Checks To Electronic Debits . Bureaus Regulation E We strongly encourage you to review the Security Procedures, requirements and recommended practices. We cannot facilitate any transactions involving any individuals or entities that are listed on the United States Department of Treasurys Office of Foreign Assets Controls Specially Designated Nationals and Blocked Persons List.. Arbitration hearings will take place in the county seat of the Texas county of your permanent residence at the time the claim is filed. 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%. Our Personal and Health Savings Account Debit Card Agreement and Disclosure (or similar agreement) for Personal Accounts, and our Business Debit Card Agreement and Disclosure (or similar agreement) for Business Accounts contains a description of the Frost Bank recommended customer practices for maintaining the security of your Debit Card number and associated PIN. If you do not opt-in to allow us to pay one-time debit card transactions that result in an Overdraft, we may still pay those transactions, in our sole discretion, and you are still required to promptly repay us the amount of the Overdraft, but we will not charge you a fee. 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. You agree to safeguard your Supported Digital Wallet Device at all times and not leave it unattended. (4) Holds on Other Funds (Other Accounts) All costs, expenses, and fees with regard to any mediation, except for each Partys attorneys fees, shall be divided equally between you and the Bank, and you and the Bank shall each be solely responsible for payment of each Partys share of such costs, expenses and fees. (60) calendar days after the statement showing the transaction has been mailed to you. Subject to certain limitations, any Account Holder or Account Holders agent may provide an oral or written stop payment on any check payable from your Account, whether drawn by you or any other Account Holder. For cash reporting purposes, Frost Bank accepts passports and the Matricula Consular Card. We can reverse any amount we have added to your Account for a deposited check and send the check on a collection basis even after we have taken physical possession of the check. Non-resident aliens without a Social Security Number are required to provide an official document issued in their country. Our acceptance of a stop payment order will not constitute a representation that the electronic funds transfer or ACH Transaction has not already been paid or that we have a reasonable opportunity to act upon the order. HOWEVER, SUCH INDEMNIFICATION SHALL NOT EXTEND TO ANY DAMAGE OR LOSS DUE TO THE GROSS NEGLIGENCE OR WILLFUL MISCONDUCT OF BANK. Q. The manner in which we process withdrawals or other debits may affect the amount of Overdraft or non-sufficient funds fees or penalties you may incur, as your Current Balance at the time each withdrawal or debit is processed will determine whether there are sufficient funds to pay the Item or not. 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. Check Cashing Services at Retail Stores. Account Statements 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. This Agreement will control any conflicts between its procedures and this Agreement. The entry for the debit of the funds will appear under the Other Withdrawals/Debits section of your monthly statement. You may close your Account by notifying us at any time, except that we may require you to give us seven (7) days advance notice when you intend to close your savings or interest bearing checking Account by withdrawing funds. 2pm local time. Visit a retailer. 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. If any amount deposited must be returned to the government for any reason, you authorize us to deduct the amount from your Account as provided in the Final Payment paragraph above. (90) calendar days to investigate your complaint or question. (Payable on Death) Designation If you have opened this type of Account then you are the sole owner of the Account. If you breach this restriction, you may be subject to a civil lawsuit, prosecution and damages. 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