You can also make purchases with your debit card. 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. ACH Origination Debits are processed in the order from the lowest dollar amount to the highest dollar amount. Q. You may select some of the following Accounts by placing your initials next to the Account you select on the Texas Uniform Single or Multiple-Party Account Selection Form.. We do not make any warranties or representations about the third parties or their products or services. This applies at the time of Account opening and at all times thereafter. In addition, repeated or serious violations of the Frost Bank code of conduct by a Frost Bank customer may result in action against such customer, including, but not limited to, Frost Bank exercising its rights under Section III.D. 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. Each joint Account Holder is authorized to act for the other Account Holder(s) and we may accept orders and instructions regarding the Account from any joint Account Holder. 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. (6) Online Banking, Mobile Banking, and Bill Payment Services E. Withdrawal Rules To be clear, if you want to cash your check and get cold-hard cash in your hand, then you'll need to go to a physical location. N. Indemnification Frost Online Banking Services for Personal and Business Accounts, As part of the Frost Online Banking Services as defined in the Frost Online Banking Agreement and Disclosure for Personal Accounts, and the Business Debit Card Agreement and Disclosure (or other similar agreement) for Business Accounts, you may use your computer or mobile device to obtain Account information, make certain funds transfers, and to arrange for payment of bills. Governing Law; Dispute Resolution; Arbitration; Statute of Limitations In accordance with our privacy statement as set forth in our Customer Privacy Statement. YOU SHOULD CHECK WITH YOUR DIGITAL WALLET PROVIDER AND YOUR WIRELESS CARRIER FOR INFORMATION ABOUT THEIR PRIVACY AND SECURITY PRACTICES. These three companies offer online check cashing services on checks between $5 and $5,000. 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. All other fees will be allocated according to the arbitration administrators rules and applicable law. Hold on to . Upon receipt of any deposit(s), the Smart Safe Vendor will verify currency amounts removed from each of customers Smart Safes. We have the right to advise consumer reporting agencies and other third party reporting agencies of Accounts closed for misuse, such as Overdrafts. Meet Frost the smart digital account that compares and switches energy supplier for you, lets you pay like a local abroad, . A. End of business day (no earlier than 2pm) No earlier than 12pm (3pm at non-PNC ATMs and 10pm for . 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. 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. We reserve the right to verify that any transaction carried out by an agent with the owner(s) of the Account. Over the phone. XI. Checks with a value greater than $50 will be charged $8 per check. If, despite your efforts, you suffer any damage or loss as a result of your failure to comply with your data security obligations, and regardless of whether such damage or loss results from the activities of you, or if a Business Account Holder, your employees, agents, subcontractors or any unaffiliated Third Party, any such loss or damage shall be your sole responsibility. Walmart. Any attempt to do so is a violation of the rights of Frost and its Third-Party Licensors. Subject to applicable law, we may charge a dormant Account fee on the Account, and the Account will be presumed to be abandoned. In any case, you will get an Account statement at least quarterly. Generally, this section of the Agreement governs your election to use eligible debit or credit cards issued by Frost Bank (each, a Payment Card) when you add, attempt to add, or keep a Payment Card in a digital wallet (Digital Wallet or Wallet) on any mobile device that supports the Wallet (the Digital Wallet Service). This section pertains to multiple-party Accounts: (i) Joint Account Ownership An Account with two (2) or more Account Holders is a joint (multiple-party) Account. Monthly Service Charge. 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. You agree to retrieve and produce for us the Original Check in question within seventy-two (72) hours of a written request by us. It might include a missing signature, an unauthorized signature, or an alteration, or be a transaction that was otherwise not authorized by you. If you have any questions about our Fraud Prevention Services, our fees, or anything at all, we're always here to answer your questions. Cash Vault Services allows such customer to place coin orders for coin and currency and schedule delivery and pick up. J. Wells Fargo Check Cashing Policy For Non-account Holders. You understand that your third-party agreements may, however, contemplate fees, limitations, and restrictions which might affect your use of any of your Mobile Card(s) (such as data usage or text messaging charges imposed on you by your wireless carrier). No, the IRS does not directly check your bank account. The availability of funds you deposit via Digital Deposits may also be delayed for a variety of additional reasons as determined in Banks sole discretion, including, but not limited to: We believe a check you deposit via Digital Deposits is a duplicate image. The interest rate and annual percentage yield may change at any time at our discretion. 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. (2) Multiple-Party Accounts Our rights and liabilities for payment of any sums on deposit in these types of Account shall be governed by the Texas Estates Code, as amended from time to time. Those time limits are applicable as follows: (1) Unless a longer time period is required by statute or governmental regulation, such as under Regulation E, and the time period may not be modified by agreement, you must notify us in writing within thirty (30) calendar days after we made the statement available to you by mail, through Online Statement Delivery (if applicable) or if you have requested us to hold your Account statements (a Statement Hold Request) if: An Item or other transaction listed is one you did not authorize, is altered, or is fraudulent; A deposit is missing from the Account statement; A Wire Transfer listed is one you did not authorize, is altered, or is fraudulent; Your Account statement contains any errors; or. First Business Day after day of approval. The termination of this Agreement and closing of an Account will not release you from any fees or other obligations incurred prior to the date upon which this Agreement is terminated and the Account closed, any fees assessed by us in the process of closing an Account, or from your responsibility to maintain sufficient funds in your Accounts to cover any outstanding checks or other debit items. We enter the information into our records. If you have recently received a money order, read below to learn how to cash it quickly and safely. If you're in Texas, chances are there's a Frost nearby with folks you can trust to navigate you through any financial decision, no matter how simple or complicated. From a licensed doctor. The purpose of the Bank Secrecy Act and other anti-money laundering laws is to help the U.S. Department of Treasury and law enforcement in their fight against criminal offenses, including money laundering and terrorist financing. 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. 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 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. The terms of the license will govern any upgrades provided by Frost that replace or supplement any Mobile Card, unless such upgrade is accompanied by a separate agreement in which case the terms of that agreement will govern. This Agreement will be binding on your personal representatives, authorized agents, executors, administrators, and successors, and on our successors and assigns. (2) General Information Regardless of whether the check, which bears or purports to bear the Mark was, in fact, authorized by you. Just open up the app. If you use any Mark, you agree to deliver a sample to us upon our request. Fees could reduce earnings on the account. For avoidance of doubt, you understand, acknowledge and agree that all data provided by you to Bank (including, but not limited to, Electronic Images or Substitute Checks retained on any processing equipment, Processing Software, or any other processing equipment or software (including your personal computer or mobile device) used by you in conjunction with Digital Deposits), and all data produced, compiled or otherwise provided by Bank to you, in any form or format, is your sole and exclusive property and copies thereof shall be provided to you at your request from time to time and at any time. You also are entitled to interest on the amount of your refund if your Account is an interest-bearing Account. The filing of a CTR is a common and routine event for all banks. recipient) as required by OFAC and the United States Department of Treasurys Financial Crimes Enforcement Network. If you prefer banking from a mobile phone or tablet, Frost Bank also offers a mobile banking app, available for free on the App Store and Google Play. Please note that some of the listed transactions may be pending charges, which are temporary and are subject to change (for instance, pre-authorizations at restaurants and hotels). We may establish the rate and amount of fees and charges based on profit, competitive position, deterrence of misuse of Account privileges by customers, and the safety and soundness of the Bank. Quickly see your balances and transactions on your Apple Watch. (2) Multiple-Party Accounts We may pay any sum in the Account to a Party, including a Partys Power of Attorney or agent, at any time. Box 1600, San Antonio, TX 78296. 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. Neither Party shall make any objection to a proposed mediator except for good cause shown. (1) Endorsements On your death, ownership of the Account passes as a part of your estate under your will or by intestacy. Should you desire to utilize Digital Deposits (Banks remote deposit capture services), you must request such services from Bank either in person, via telephone or via the applicable Internet banking services (e.g. Only natural persons can own this type of Account, and you must execute a separate Health Savings Account Custodial Account Agreement to establish a Health Savings Account. The Bank must also have the identifying information of the person conducting the transaction. The Bank is not agreeing to any Security Procedures or other procedure for the detection of errors. 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. 5 business days after the day of the deposit. While we may provide you with an estimate of when the funds will be available, please be advised that the funds are still subject to final settlement. (2) Account Changes 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. If we refuse a deposit, we may take the check on a collection basis, which means we wont add funds to your Account until we have actually been paid for the check. The arbitrator(s) will decide the dispute in accordance with applicable Texas law, including recognized principles of equity and statutes of limitations, statutes of repose and conditions precedent to suit, and will honor all claims of privilege recognized by law. Use of our electronic funds transfer services is subject to existing regulations governing your Account and any future changes to those regulations. Rates effective 02/26/2023. G. Check or check means any written order to pay a specific amount of money drawn on, payable through or at, or processed by, a bank or other depository institution. You must also inform the payee in writing of your revocation. The Bank reserves the right as encryption technology develops to impose further reasonable requirements to maintain the appropriate level of security for Digital Deposits and transactions contemplated hereunder and you agree to abide by such requirements. 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. B. O. (3) Additional Account Types The Smart Safe Vendor does not act as an agent of Bank in performing activities for Customer. Usually, when you deposit a check, you first need to sign the back of it. When you select a Payment Card to use with the Digital Wallet Service, certain Account information for the Payment Card will be transmitted to and stored according to the Digital Wallet and Payment Card network procedures and systems for the Supported Digital Wallet Device to facilitate your participation in the Digital Wallet Service. (6) Power of Attorney For purposes of this subsection, the person executing a power of attorney will be referred to as the principal, and the person acting for the principal under the power of attorney will be referred to as the agent. If you desire to grant someone power of attorney over your Account, we ask that you complete a power of attorney form that is legally binding within the State of Texas (Power of Attorney) in accordance with Texas Estates Code Chapter 751. Q. What if I am conducting the transaction on behalf of my business? (2) Longer Delays May Apply 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. You understand that all electronic funds transfers must originate from an Account on which you are an Account Holder. A description of the transaction will appear on your statement. (10) Stop Payments on ATM, POS, or Debit Card Transactions . Understand that all electronic funds transfer services is subject to existing regulations governing your Account and future! Changes to those regulations your DIGITAL WALLET PROVIDER and your WIRELESS CARRIER for INFORMATION ABOUT THEIR and... Misuse, such as Overdrafts that any transaction carried out by an agent with the owner ( ). Transaction carried out by an agent with the owner ( s ) the! Usually, when you deposit a check, you first need to sign the back of it least! 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