N. Dormant Accounts 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. 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. Stop by your H-E-B Business Center to cash a check or withdraw cash from your debit card! You agree to safeguard your Supported Digital Wallet Device at all times and not leave it unattended. (3) Notice Requirements We retain the right to require you to give at least seven (7) calendar days notice in writing prior to any intended withdrawal from your Account. If we convert your Account, we will send you information about your new Account. We exercise our rights to investigate any unusual or suspicious Digital Deposits Items as determined in Banks sole discretion. (12) Converting Checks To Electronic Debits . 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 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. We recommend that you conduct the transaction and provide the Bank with the required information. Additionally, insurance products are offered through Frost Insurance. D. Account Termination (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. Box 1600, San Antonio, TX 78296, Frost Online Banking users can also report a lost or stolen card online at www.frostbank.com by going to the Frost Online Banking homepage, clicking Account Services and selecting Report a Lost or Stolen Card under Card Management.. Withdrawals can be made for free at a Frost Bank ATM, of which there are over 1,200 in Texas, though the number of withdrawals is limited for some types of accounts. Walmart is one of the most global and accessible check cashing places on this list. 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 pay any sum in the Account to a Party, including a Partys Power of Attorney or agent, at any time. Usually, when you deposit a check, you first need to sign the back of it. You agree that we may, in our sole discretion, waive any fee, charge, term, or condition set forth in this Agreement at the time the Account is opened or later, on a one-time basis or for any period, without changing the terms of the Agreement or your obligation to be bound by the Agreement, and we need not provide similar waivers in the future or waive our rights to enforce the terms of this Agreement. In addition, we are not responsible to take action on, or otherwise to notify you of restrictive language placed on checks or other items, including, but not limited to, terms such as Void after 90 Days, Paid in Full, Two Signatures Required, Void Over $100 or similar statements. Account statements sent or made available to any Account Holder are deemed to be received by all Account Holders. From banking and insurance to all your investment needs, Frost is here for you. 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 you are the agent, then you have the authority to conduct transactions on the Account, except that the agent may not pledge or otherwise create a security interest in the Account. Regions Bank: 1% of check amount $5 minimum to $20 maximum for checks over $25. Within a timeframe agreed upon between Smart Safe Vendor, customer and Bank, the contents contained within the Smart Safe shall be removed by the designated Smart Safe Vendor and physically transported to a location directed and approved by the Bank for verification. 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. If you make a deposit, we may provide a receipt. 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. The first $225 of your Digital Deposits, however, will be available on the first Business Day after the day of your deposit. As part of the Security Procedures, Bank may employ various authentication technologies, including, but are not limited to, use of Online Banking Services user IDs, passwords and other AAI that Bank may require you to provide at Banks sole discretion. If you have any questions about our Fraud Prevention Services, our fees, or anything at all, we're always here to answer your questions. (i) ATM and Debit Card Fees For information regarding our fees applicable to the use of your card, see our current Schedule. (2) Notice of Receipt (4) How to Notify Us The telephone number and relevant address for notification are as follows: 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.. B. You acknowledge that the terms of the Texas Uniform Commercial Code Section 4.209 pertain to all encoded items. In our sole discretion, if Banks requirements are not met, we reserve the right to deny Vault Deposits to be delivered to the remote cash vault location or deny order servicing for delivery of coin and currency. Yes. Even if we choose to pay one (1) or more Overdrafts, we are not obligated to pay any future Overdrafts. You agree that we may return a postdated check to the presenter. See how easy it is to deposit checks with the Frost App for iPhone and Android devices. (ii) Single-Party Account with P.O.D. 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. Account Statements Others do. The Account statement shall be considered correct for all purposes, and we will not be liable for any payment made and charged to your Account, unless you notify us in writing within certain time limits after the statement is made available to you by mail, sent to you at your statement mailing address, made available to you through Online Statement Delivery (if you are enrolled in Online Banking, your statement is available to you as soon as it is posted, free of charge. Non-resident aliens without a Social Security Number are required to provide an official document issued in their country. (7) Electronic Check Conversion Available Balance Is the Current Balance in your Account minus (i) debit card, electronic payments or other transactions that we are legally obligated to pay or have already paid (in cash or otherwise), (ii) other pending transactions such as ACH transactions, (iii) any funds that are subject to final payment, and (iv) any Holds on your Account. This limited right to use such software is revocable at the discretion of Frost. (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. We strongly encourage you to review the Security Procedures, requirements and recommended practices. If you and the Bank are unable to agree upon the appointment of the third arbitrator, your designated arbitrator and Banks designated arbitrator shall jointly select an arbitrator who shall act as the third arbitrator on the panel of three (3). E. Device Eligibility B. Checks received by us that are drawn against your master account will be presented for payment against the transaction subaccount. * View and zoom, save and print cleared check images. Walmart. (vi) Attorney Client Trust (IOLTA) Subject to applicable law, an Attorney Client Trust Account (also referred to as an Interest On Lawyers Trust Account, or IOLTA) is an Account set up by an attorney or law firm to hold client or third-party funds in trust, separate from the attorneys or law firms funds. (13) Preauthorized Payments, XI. Disputes in excess of $100,000 are subject to this same limitation. After receiving such an alert, you can either verify the transaction or let us know it is fraudulent. All of our rules, regulations, and disclosures (including any provisions relating to interest) apply to your checking Account as a whole (i.e., at the master account level), without reference to the two subaccounts. If we are required by state law not to honor a postdated check after advance notice from you, you agree to give us advance notice early enough for us to act on it, to do so in writing, and to specify the date, exact amount, and number of the check, along with the name of the payee. NO ORAL OR WRITTEN INFORMATION OR ADVICE GIVEN BY FROST, ANY OF ITS AUTHORIZED REPRESENTATIVES OR ANY THIRD PARTY SHALL CREATE ANY WARRANTY. These provisions generally apply to electronic funds transfers, deposits, cash withdrawals and purchases made with any Frost Bank Debit Card or similar card, PIN, Frost Bank User ID, or other device or code which accesses a consumer Account, and to direct deposits and some types of preauthorized and telephone-initiated transfers involving consumer Accounts (including a transaction you may initiate by check but which a merchant converts into an electronic funds transfer). * See running balances, plus view and search . We will also provide you with an estimate of when the funds will be available. We require you to provide the date of the check, the exact amount, the check number (or range of checks), and the name of the payee for all stop payment orders. Your Digital Wallet and your Supported Digital Wallet Device may contemplate certain security features and procedures to protect against unauthorized use of any of your Mobile Card(s). A. (12) Documentation of Transfers Non-resident aliens without a Social Security Number are required to provide an official document issued in their country. 1. If feasible, any such offending provision shall be deemed to be modified to be within the limits of enforceability or validity; however, if the offending provision cannot be so modified, it shall be stricken and all other provisions of the Agreement in all other respects shall remain valid and enforceable. This way, casinos can be sure your check will be valid. IMPORTANT INFORMATION ABOUT CASH REPORTING REQUIREMENTS FOR BANKS UNDER THE BANK SECRECY ACT, Frost Bank understands that most cash transactions are legitimate and that our customers are not involved in criminal activities. (2) Withdrawal Restrictions and Overdrafts If you have met, in our sole discretion, the conditions we have established for use of Digital Deposits to make deposits via Electronic Images, we will provide Internet access to our computer network and accept for deposit to your Account(s) the Electronic Images of Original Checks for collection as allowed under this Agreement and the Documentation. Quickly see your balances and transactions on your Apple Watch. Fees could reduce earnings on the account. (Stop Payment Orders for Checks) and X.B.10 (Stop Payments on ATM, POS or Debit Card Transactions) for more information regarding stop payment orders). 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. Information Regarding Digital Deposits. 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. can you cash a butterball check at the bank. You agree that if we pay the check, the check will be posted to your Account on the date we pay the check, even though the posting date is prior to the date shown on the check. 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. In addition to the communications you expressly consent to receive under Section IV.C. If the beneficiary requires you to send payment in U.S. 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. Endorse the back of the check by signing your name in the endorsement area. (10) Stop Payments on ATM, POS, or Debit Card Transactions . (1) What is a Substitute Check A copy of the Substitute Check or the following information to help us identify the Substitute Check: the check number, the name of the person to whom you wrote the check, and the approximate amount of the check. For security reasons, we may require you to close your Account and to open a new Account if: (1) there is a change in authorized signers; (2) there has been a forgery or fraud reported or committed involving your Account; (3) any Account checks are lost or stolen; (4) you have too many transfers from your Account; or (5) any other provision of our Agreement with you is violated. 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. consumer/small business internet banking or treasury management internet banking). All third-party intellectual property marks, including the logos of merchants, are the property of their respective owners. L. Our Liability With over 5,000 locations, close to 90% of the population in the United States lives within 15 miles of a Walmart. BECAUSE FROST DOES NOT OPERATE OR CONTROL THESE CONNECTIONS, FROST CANNOT GUARANTEE THE PRIVACY OR SECURITY OF THESE DATA TRANSMISSIONS. 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. If you deposit items which bear the endorsement of more than one person or of persons who are not signers on the Account, we may refuse the item or may require you to have their endorsement guaranteed before we accept an item. Your Digital Wallet may provide you with the option and ability to turn off this purchase transaction reporting for each Mobile Card. Electronic Funds Transfers Generally. Credit Verification and Reporting 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. I waited over an hour for my money and both I and the check holder banked with them. Q. B. Yes, most banks and credit unions support ATM check deposits as long as you have an account with that bank. For fixed rate Accounts, we will use the rate in effect for your deposit. (Stop Payment Orders for Checks). 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. You should also revoke your authorization for pre-authorized debit card transactions you may previously have provided to a merchant. A. B. You acknowledge that we will not give next day notice to you of receipt of an ACH or Wire Transfer item. Should a drawee financial institution return an item to us unpaid, we will charge your respective Account for such returned item and may either: (1) return the item to you; or (2) re-present it to the drawee financial institution before returning it to you. K. Changes to Digital Wallet Service Terms We may charge you a fee for each stop payment order. (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. If the Parties fail to agree upon a designated mediator, or if either Party fails to participate in the mediation within the thirty (30) calendar day timeframe stated above, such Party will be deemed to have waived its right to mediate and that Partys only remedy is binding arbitration. In addition to the indemnification provisions contained elsewhere in this Agreement, you shall indemnify and hold Frost, its licensors (including any Third-Party Licensors), sponsors, agencies and its parents, subsidiaries, affiliates, officers and employees, harmless from any claim or demand, including reasonable attorneys fees, made by any third party due to or arising out of: (1) your use of any Mobile Card and the Digital Wallet Service; or (2) any breach of the terms and conditions set forth in the terms of this Agreement by you or other users of the Digital Wallet Service using your Mobile Card or credentials. Further, the Account is subject to the right of setoff as further described in Section VI.M. This is due to a law known as the Bank Secrecy Act, which requires financial institutions to report transactions over a certain amount to the IRS. This Account may only be owned by one (1) individual, but you can give your spouse, or another agent, the power to make transactions with respect to this Account. Q. 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. B. Box 1600, San Antonio, Texas, 78296, Attention: Loan Operations. Q. Electronic Funds Transfers Generally Despite the name, these Accounts can be checking Accounts, and not just savings Accounts. IN ADDITION TO ANY OTHER DISCLAIMERS OF WARRANTIES CONTAINED ELSEWHERE IN THIS AGREEMENT, YOU EXPRESSLY ACKNOWLEDGE AND AGREE THAT THE USE OF ANY MOBILE CARD AND THE DIGITAL WALLET SERVICE IS AT YOUR SOLE RISK. R. Cash Vault Services and Smart Safe Services. (Cash consists of currency and coin, both domestic and foreign.). (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. We have the right to advise consumer reporting agencies and other third party reporting agencies of Accounts closed for misuse, such as Overdrafts. (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. If you have this type of Account, your convenience signer has no ownership of the Account, and may not pledge or otherwise create a security interest in your Account(s). How to cash a check without a bank account, but you have ID: 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.) Based upon the type of Account ownership that you have designated, the following terms and conditions apply: NOTICE TO YOU: THE TYPE OF ACCOUNT YOU SELECT MAY DETERMINE HOW PROPERTY PASSES ON YOUR DEATH. Heres how: call us at 1-800-513-7678, or write to us at Frost Bank, Attn: Stop Payment Clerk, P.O. You must tell us the exact amount and payee name of the payment you have stopped, as well as any other identifying information which we may request. I. 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. This Agreement will be binding on your personal representatives, authorized agents, executors, administrators, and successors, and on our successors and assigns. The entry for the debit of the funds will appear under the Other Withdrawals/Debits section of your monthly statement. You may place a stop payment on certain future recurring pre-authorized debit card transactions by providing us your debit card number, merchant name, and transaction amount. You should review this provision carefully. Possession or consumption of alcohol or illegal drugs is prohibited on the Premises, and smoking, including e-cigarettes and vaporizers, are only allowed on the Premises in specially designated areas. Generally, everyone whose name is on a joint account can write checks, withdraw money, and make transactions. F. Checking Subaccounts If the Account is a joint or any other type of multiple-party Account, each joint or multiple-party Account Holder authorizes us to exercise our right of setoff against any and all Accounts of each Account Holder. We may determine the Current Balance in your Account that is used to determine whether or not a transaction is paid or results in an Overdraft at any time between the earlier of: (1) when the withdrawal or debit is presented to us for payment (by electronic or other means) or the time we receive notification that the withdrawal or debit has been deposited for collection at another financial institution; or (2) the deadline for us to take action on the Item. We reserve the right to verify any transaction carried out by a convenience signer with the owner(s) of the Account. 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