Others do. We also reserve the right to change any other term of this Agreement at our sole discretion, but we will make reasonable attempts to notify you of such changes. 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 we decide to do this, we will credit your Account within ten (10) Business Days for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation. This section applies to other deposit Account types: (i) Formal Trust Account A Formal Trust Account is an Account held by you and one (1) or more other persons, each acting as a trustee for the benefit of one (1) or more beneficiaries according to a written trust agreement. By using Digital Deposits, you agree to provide information, including financial information, which we may, in our sole discretion, require from time to time regarding you or any Third Party which you hire, employ, or retain in any manner, to administer Digital Deposits or assume any of your duties under the Agreement. If you choose to designate a beneficiary, you must complete a beneficiary designation form at the time you open this Account. Q. Call a Frost Representative and talk to a real person at (800) 513-7678. (1) What is a Substitute Check To make check processing faster, federal law permits banks to replace Original Checks with Substitute Checks. These checks are similar in size to Original Checks with a slightly reduced image of the front and back of the original check. In addition, you must notify us promptly if you do not receive an Account statement. (iii) Periodic Statements You will get a monthly Account statement from us, unless there are no transfers in a particular month. In the event that the AAA or like organization is unable to administer the dispute for any reason, then any dispute less than $100,000 shall be arbitrated instead by a neutral arbitrator selected by agreement of the parties from the current membership roster of the Texas Academy of Distinguished Neutrals or, if the parties cannot agree, selected by the Academys current Texas President from the current membership, Texas roster. You agree that if we pay a withdrawal or debit that results in an Overdraft or if we return a withdrawal or debit because your Current Balance is insufficient to pay the withdrawal or debit when it is processed against your account, we may charge you a fee, as allowed by applicable law and as set forth in the rate and fee Schedule applicable to your Account. We may accept any Power of Attorney that we believe was executed by you and may act on instructions we receive under such form. It is your responsibility to read and understand the third-party agreements before creating, activating, or using a Mobile Card (as that term is defined below) in a Digital Wallet. Does your employer use positive pay so the issuing bank can know that the check was produced by your employer at the teller line? 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. Here's how you can get started on the Frost Bank mobile app: 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. We urge you to carefully read the Agreement and keep it for future reference. Judgment may be entered upon any award in any court having jurisdiction. Bank shall not be liable to customer as an insurer of such property. 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. Double . F. Business Days means Monday through Friday, excluding federal holidays. Wells Fargo Check Cashing Policy For Non-account Holders. Wire Transfer shall have the same meaning assigned to that term by Regulation CC. The Bank will replace the Security Procedures in accordance with the Banks standard security requirements related to Digital Deposits. Stop by your H-E-B Business Center to cash a check or withdraw cash from your debit card! Rules and forms may be obtained from, and claims may be filed with the AAA or like organization at their respective offices on their web pages. Q. A. Frost reserves the right, for any reason, to discontinue offering or supporting any Mobile Card and/or the Digital Wallet Service. 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. The Frost Commercial Mobile Deposit App allows you to easily deposit one or multiple checks and submit deposits directly to your account. P. Positive Pay Services Frost Bank shall have no liability to you for refusing to accept a Power of Attorney if such refusal is in accordance with Texas Estates Code Section 751.206, and we provide you with the Written Statement of Refusal of Acceptance as required under Texas Estates Code Section 751.207. Once funds are available, you can withdraw the funds in cash and we will use the funds to pay checks that you have written. However, when you cash a check in person, you may be required to show a valid photo I.D. BECAUSE FROST DOES NOT OPERATE OR CONTROL THESE CONNECTIONS, FROST CANNOT GUARANTEE THE PRIVACY OR SECURITY OF THESE DATA TRANSMISSIONS. THIS AGREEMENT TO ARBITRATE ANY AND ALL DISPUTES (WITH THE ABOVE-LISTED EXCEPTIONS) IS ENTERED INTO PURSUANT TO THE TEXAS CIVIL PRACTICE AND REMEDIES CODE, CHAPTER 171, THE TEXAS GENERAL ARBITRATION ACT, AND AS NECESSARY, PURSUANT TO THE FEDERAL ARBITRATION ACT 9 USC, 1-16. If the Party receiving a request for negotiation fails to respond within ten (10) calendar days of receiving such request, fails to attend the negotiation meeting within twenty (20) calendar days after responding to the notice of request, or otherwise declines to negotiate, such Party will be deemed to have waived its right to negotiate or mediate and the Partys only remedy is binding arbitration. You understand that all electronic funds transfers must originate from an Account on which you are an Account Holder. Q. You may transfer up to $5,000 per card per day between your Account and other eligible accounts through Account Funding Transactions (AFTs). THE AGREEMENT FOR YOUR ACCOUNT They will generally be available no later than the seventh Business Day after the day of your deposit. Electronic Funds Transfers Generally. Q. Documentation means the online help files or written instructions and materials made available or supplied by Bank that provide the description, methods of operation, and required procedures to engage in Digital Deposits activities. Can I avoid having this form filed if I break up the transaction into smaller amounts? Upon receipt of any deposit(s), the Smart Safe Vendor will verify currency amounts removed from each of customers Smart Safes. 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. Frost reserves the right to revise these Digital Wallet Service terms at any time, and you are deemed to be aware of and bound by any changes to these terms by your continued access to or use of any Mobile Card and/or the Digital Wallet Service. This Agreement, together with specific terms and conditions governing your Account(s), provided separately, details our relationship with you. Frost and its Third-Party Licensors retain all right, title and interest in and to the software used by Frost to provide the Mobile Card(s), Digital Wallet Service, and any modifications and updates thereto. ARC conversion may occur when you mail your check to a biller (e.g., credit card company, utility company) who uses the check information to initiate an electronic debit against your Account and may, at the billers discretion, destroy your check. 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. Any payment to the convenience signer will not affect your ownership of the Account. We may pay interest at different rates, depending on the amount deposited and the type of depositor (individual, business, non-profit organization, etc.). (12) Documentation of Transfers (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. Spell out the value on the "Dollar amount" line, with cents expressed as a fraction (e.g., "Nineteen . We may automatically close your Account if the balance is $0 or negative. FROST RESERVES ALL RIGHTS NOT EXPRESSLY GRANTED TO YOU. Frost Bank is located in San Antonio, Texas, and that is where your Account was opened and is maintained. C. Fraud and Loss Prevention; Legal Process; Legal Compliance; Reservation of Rights. Wait for the teller to verify the funds and stamp your check as certified. 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. Federal law requires that all banks file a form known as a Currency Transaction Report (CTR) whenever a customer conducts transactions greater than $10,000 in cash on any given day. (ii) Convenience Account This type of Account is often used with family members when the owner needs help managing the Account, or simply wants a contingency signer. (4) Remotely Created Checks Unless Frost and you otherwise agree in writing, you agree you will not deposit, and we may refuse to accept for deposit, checks or other items that are Remotely Created Checks (as defined in the Federal Reserve Boards Regulation CC). This is the first step to take after you've arrived at the location where you are cashing the check. A Partys invocation of the dispute resolution provisions under this Agreement applies whenever there is a dispute between you and Frost Bank. (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. Is there any way that I can avoid having this form completed and the transaction reported to the IRS? For determining the availability of your deposits, every day is a Business Day, except Saturdays, Sundays, and federal holidays. A. Debit Card Services (Including Health Savings Account Debit Cards). The fees and expenses may include attorneys fees. If you have recently received a money order, read below to learn how to cash it quickly and safely. F. Checking Subaccounts You agree immediately upon notice from us to deposit funds sufficient to cover the amount of any Overdraft plus any Overdraft fees, if required. Disputes in excess of $100,000 are subject to this same limitation. HOWEVER, SUCH INDEMNIFICATION SHALL NOT EXTEND TO ANY DAMAGE OR LOSS DUE TO THE GROSS NEGLIGENCE OR WILLFUL MISCONDUCT OF BANK. We act only as custodian of the trust funds and we are not acting as a trustee, nor do we need to inquire as to the powers or duties of the trustee(s). (5) Foreign Items Daily Balance means the application of a daily periodic rate to the full amount of principal in the Account each day. Why are banks required to obtain this information on cash transactions over 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. Second Business Day after approval. You'll have the most success with a government-issued or payroll check, but you may be able to cash small personal checks as well. Federal law requires all banks to obtain certain information on all cash sales of monetary instruments between $3,000 and $10,000. You further agree that you will retain each Original Check that is Truncated through any Digital Deposits activity for a reasonable period of time, but in no event fewer than ten (10) Business Days from the date of deposit or such longer time as we may request from time to time with respect to any specific Original Check. DIGITAL WALLET SERVICE All financial institutions are required by law (including, but not limited to, the USA PATRIOT Act) to obtain, verify and record information that identifies each customer who opens an Account with that financial institution (including, but not limited to, beneficial owners of an entity that opens a Business Account). In order to satisfy the Acts requirements, we may, and in many cases, must request certain information about the individual presenting the transaction, as well as the organization or individual for whom the transaction is being conducted. We, our correspondent banks, and other banks involved in the Wire Transfer process may charge additional fees or convert currency, in some cases providing compensation to us. Box 1600, San Antonio, TX 78296. Also, if your Account statement shows transfers that you did not make, including those made by card, code or other means, tell us at once. The 55-year-old, who is married to former president Nicolas Sarkozy, put on a leggy display as she stepped out at the Saint Laurent show during Paris Fashion Week on Tuesday evening. 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. $0 Monthly Service Charge when you have $250,000 combined average daily balances* of personal deposit and investment accounts you own. You agree to keep your Account information confidential, up to date, and accurate. (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. Electronic Deposit means a file that contains information regarding each Electronic Image(s) to be submitted by you to Bank that meets all of the requirements imposed from time to time by Bank as set forth in this Agreement and the Documentation. 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. Federal laws, including the Bank Secrecy Act, require that all banks obtain this information on these types of cash and monetary instrument transactions. sender) and receiver (i.e. I waited over an hour for my money and both I and the check holder banked with them. First step to take after you & # x27 ; ve arrived at the teller line checks are in... 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