In addition, if you own a Business Account, you acknowledge and agree to your duty to exercise ordinary care in safeguarding such materials with regard to your employees in accordance with the requirements of Texas Business and Commerce Code Sections 3.405, 3.406 and 4A.202. Also, you understand that in certain instances we may request from time to time the Original Check to respond to claims made by the drawer of the check. We are required to honor items drawn only on the listed Account name. Typically, deposits and credits are processed first, then withdrawals or other debits (such as charges) are processed next. In addition, you agree that we do not fail to exercise ordinary care in paying an item solely because our procedures do not provide for the sight examination of items with a face amount below an amount determined solely by us from time to time. (8) Our Responsibility for Collecting Deposits We will consider requests for early withdrawal and, if granted, the penalty provided in the Schedule will apply. You agree that this paragraph shall survive the termination of this Agreement for any reason. A. Prior to binding arbitration described in this Agreement, you and the Bank shall first attempt to resolve any dispute arising out of your Account or this Agreement through negotiation. For the most current list of Payment Card types that are eligible for the Digital Wallet Service, please visit www.frostbank.com. This is required to use any ATM for any purpose. Systems and Software If you call us, we may also require you to put your request in writing and mail or otherwise transmit it to us within fourteen (14) calendar days after you call. If you do not know the amount of the ACH transaction, we may still be able to place the stop payment order based on the company name of the payee (i.e. Hand . You agree not to use your Account in any illegal activity, including, but not limited to, restricted transactions as defined under the Unlawful Internet Gambling Enforcement Act. We shall not be responsible to you for any loss or damages suffered by you as a result of the failure of systems and software used by you to interface with our systems and software utilized by you to initiate or process banking transactions, whether such transactions are initiated or processed directly with our systems or through a third-party service provider. I. C. Relationships to Other Frost Agreements. Upon receipt of any deposit(s), the Smart Safe Vendor will verify currency amounts removed from each of customers Smart Safes. Frost Bank will not tolerate violence or threats of violence or physical harm in any of its Premises. (ii) Preauthorized Credits If you have arranged to have direct deposits made to your Account at least once every sixty (60) calendar days from the same person or company, you can call us at 1-800-513-7678 to find out whether or not the deposit has been made. L. Hold means any funds that are in your Account but that you cannot withdraw because of Legal Process or other reasons as set forth in this Agreement, but does not include Funds Availability Holds. 9.37 and ANS X9.100-140 (or any amendment or substitute for such standards as may be promulgated from time to time), whether such standard pertains to the MICR Line, the image quality of the Original Check, the placement of an image of the Original Check on the Substitute Check, or the manual or electronic transfer of a Sufficient Image Copy or other electronic representation of an Original Check or a Substitute Check, unless the Federal Reserve Board, by rule or order determines that a different standard is to apply. 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. For information regarding our applicable depository cut-off times with regard to receipt of deposits via Digital Deposits, you should consult the Documentation made available to you for this purpose. (v) Fiduciary Accounts With respect to all fiduciary Accounts, including, but not limited to, estate Accounts, guardianship Accounts, and conservatorship Accounts, and any formal trust Account, Texas Uniform Transfers to Minors Act Account, or Agency Account, at any time we may require such documents and authorizations as we may deem necessary or appropriate to satisfy us that the person(s) requesting or directing the withdrawal of funds held in the Account have the authority to withdraw such funds. Pay and get paid from other Frost accounts in seconds using only your phone number, make local transfers instantly . We are not liable to you if there are insufficient funds in your Account due to a hold or charges related to a returned item. You should also revoke your authorization for pre-authorized debit card transactions you may previously have provided to a merchant. Note that many banks charge a fee for cashing a check if you aren't an account holder there, like the following: Bank of America, Member FDIC: $8 for checks greater than $50. If your use of a mobile phone, mobile device, tablet, wearable device, or wireless Internet access is not encrypted, then any confidential Account information contained in such wireless or mobile communications can be intercepted without your knowledge or authorization. Box 1600, San Antonio, Texas, 78296 in time for us to receive your request three (3) Business Days before the transfer is scheduled to be made. (Required Disclosures Under Electronic Funds Transfer Act and the Consumer Financial Protection Bureaus Regulation E). You authorize us to accept transfers, checks and other items for deposit to your Account if they are made payable to, or to the order of, any one (1) or more of you, whether or not they are endorsed by you. We will not be liable, for instance: If, through no fault of ours, you do not have enough money in your Account to make the transfer; If the transfer would go over the credit limit on any Overdraft line associated with your Account; If the ATM where you are making the transfer does not have enough cash; If the ATM, terminal or system was not working properly and you knew about the breakdown when you started the transfer; If circumstances beyond our control (such as power outages, equipment failures, fire or flood) prevent the transfer, despite commercially reasonable precautions that we have taken; If the funds are subject to Legal Process or other encumbrance restricting the transfer; If an Account becomes dormant (in which case we may terminate card or code access to that Account); or. B. sender) and receiver (i.e. CTA means the Check Clearing for the 21st Century Act, which became effective October 28, 2004. (8) Our Responsibility for Collecting Deposits If you deposit or cash a check, or we send one for collection, we act only as your agent. (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. We may pay funds in the Account to the convenience signer or at the convenience signers direction either before we receive notice of your death, or before we receive written notice signed by you that the authority of the convenience signer has been revoked and instructing us to remove the convenience signer from your Account. Under the Check 21 Regulations, any check you write or deposit need no longer be returned for payment by the bank of the person to whom you wrote the check. B. Frost also cautions you that ANY ATTEMPT BY AN INDIVIDUAL OR ENTITY TO DELIBERATELY INTERFERE, INTERRUPT, MODIFY, AUDIT, ASSESS, RE-ENGINEER, OR DAMAGE ANY ASPECT OF A MOBILE CARD OR THE DIGITAL WALLET SERVICE OR UNDERMINE THE LEGITIMATE OPERATION OF A MOBILE CARD OR THE DIGITAL WALLET SERVICE IS A VIOLATION OF CRIMINAL AND CIVIL LAWS AND FROST RESERVES THE RIGHT TO SEEK DAMAGES AND COSTS (INCLUDING, WITHOUT LIMITATION, ATTORNEYS FEES) FROM ANY INDIVIDUAL OR ENTITY RESPONSIBLE FOR SUCH ATTEMPT TO THE FULLEST EXTENT PERMITTED BY LAW. (1) Manner of Withdrawal R. Security Procedures means any security processes, controls or authentication methods that the Bank may require for one or more of the products or services that Bank provides under this Agreement or under any other agreement, as amended from time to time, that is applicable to the specific type of Account you have, or specific type of product or service that we offer to you, and which may vary based upon your Account type or the products and services you choose to receive from us. Fees. Your Available Balance may be positive when a transaction is authorized, but your Current Balance may be negative when the transaction is later presented for payment, which may result in an Overdraft and an Overdraft fee. (13) Re-presented Checks Q. B. 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. 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. 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. You agree to be liable to us for any loss, costs, or expenses, including, without limitation, reasonable attorneys fees, that we may incur as a result of any conflicting instructions, dispute or legal proceeding involving your Account. You and Bank agree that the fact of the arbitration, all submissions to and proceedings before the arbitrator(s), and the written decision and findings of the arbitrator(s) shall remain confidential between you and Bank unless reasonably necessary for judicial review or confirmation, or as required by law. Deposit and loan products are offered through Frost Bank, Member FDIC . THIS MEANS ALL DISPUTES ARISING OUT OF, OR RELATED IN ANY WAY TO YOUR ACCOUNT OR THIS AGREEMENT, REGARDLESS OF ANY PRIOR AGREEMENT, DISCUSSION OR UNDERSTANDING, SHALL BE RESOLVED BY BINDING ARBITRATION, AND NOT THROUGH LITIGATION OF ANY KIND, IN ANY COURT, BY ANY JUDGE, BY ANY JURY OR OTHER TRIBUNAL (EXCEPT FOR MATTERS IN SMALL CLAIMS COURT, AND ACTIONS UNDER SECTION III.C. The amount of our loss which we may recover from you may be limited under the Check 21 Regulations. (6) Power of Attorney (iv) Business Accounts If the Account is a Business Account (for example, it is owned by a corporation, partnership, limited liability company, sole proprietorship, unincorporated association, non-profit entity, etc. From a licensed doctor. 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. 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. The Bank will ask you for your full name, permanent address, Social Security Number, occupation and date of birth. On any transactions involving the Account, we may act on the instructions of the person(s) authorized in the resolutions, banking agreement, or certificate of authority to act on behalf of the Account Holder. D. Account Termination H. Current Balance means the amount of funds Frosts records show in your Account, including debits and credits that have posted to your Account to date, minus the amount of any Funds Availability Holds. We will determine whether an error occurred within ten (10) Business Days after we hear from you and will correct any error promptly. You understand and acknowledge that we are relying on the truth and veracity of all Electronic Images submitted for deposit via Digital Deposits by you to us, and you warrant that such Electronic Images accurately reflect Original Checks that are, or at the time of the creation of the Substitute Checks, were, in your possession. (1) Endorsements The typical Frost Bank Personal Banker salary is $19 per hour. Here are a couple of retail stores where you can cash cashier's checks: 24. (5) Error Resolution Procedures You're about to open a third-party website in a separate browser window. All third-party intellectual property marks, including the logos of merchants, are the property of their respective owners. You are responsible even if the size or color of the Mark is different from that of any signature previously presented to us. We reserve the right to refuse to honor any Power of Attorney you grant that is presented to us under the reasons for refusing acceptance as set forth in Texas Estates Code Section 751.206. 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.. N. Indemnification The following terms apply to withdrawals from your Account(s): (1) Manner of Withdrawal You may make withdrawals from your Account in any manner that is permitted by us for the type of Account you have. You may purchase up to $4,500 per card per day at Visa merchants, POS terminals, and by cash advance. 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. (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. We may rely on that information until you notify us of a change and we have had a reasonable time to act on the new information. (3) Holds on Other Funds (Check Cashing) We reserve the right to refuse any item for deposit, to reverse credit for any deposited items or to charge your Account for items should they become lost in the collection process. You agree to indemnify and hold us and our correspondent banks harmless against any and all losses, damages, claims, liability, costs, and expenses which we or they may suffer arising directly or indirectly out of the misuse, unlawful or unauthorized use of the Mark, regardless of whether you have been negligent. 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. FROST MAKES NO GUARANTEES ABOUT THE INFORMATION SHOWN IN THE DIGITAL WALLET SERVICE SOFTWARE OR HARDWARE IT CONTAINS AND MAKES NO REPRESENTATIONS, WARRANTIES, OR GUARANTEES REGARDING THE SAME. I waited over an hour for my money and both I and the check holder banked with them. With respect to Wire Transfers or other transfers of funds not governed by the Electronic Funds Transfer Act, you agree to enter into and comply with our Funds Transfer Agreement for Wire Transfers (if applicable) and to comply with this section and any of our Security Procedures designed to verify the authenticity of such Wire Transfers or other transfers. (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. Yes. T. Unauthorized Transaction means a transaction that was not authorized by you, including, but not limited to, an erroneous or unauthorized debit. If you lose your debit card, you can always stop into one of Frost Bank's financial centers. As stated earlier, Frost is not responsible for the Digital Wallet or any other services offered by your wireless carrier or any third party. Frost Online Banking Services for Personal and Business Accounts If there is more than one Account owner, then each of you will be jointly and severally liable to us for debit balances in the Account, including, without limitation, Overdrafts and Account charges, and you each jointly and severally promise to pay, upon demand, any and all debit balances, all fees and charges, and our reasonable attorneys fees and costs and expenses of collection, including, but not limited to, those incurred at trial and on any appeal. C. Funds Availability Policy Disclosure On your death, your ownership passes as a part of your estate under your will or by intestacy. If you breach this restriction, you may be subject to a civil lawsuit, prosecution and damages. Q. This is called endorsing the check. Withdrawals by mail will be posted to your Account as of the day the transaction is processed by us. 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. 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. We reserve the right to verify any transaction carried out by a convenience signer with the owner(s) of the Account. We exercise our rights to investigate any unusual or suspicious Digital Deposits Items as determined in Banks sole discretion. 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.) 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. 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. (5) Stale Checks (v) Financial Institutions Liability For Failure To Make Transfers If we do not complete a transfer to or from your Account on time or in the correct amount according to our Agreement with you, we will be liable for your losses or damages up to the amount of the transfer. All information made available to you about your checking Account will be at the master account level. Governing Law; Dispute Resolution; Arbitration; Statute of Limitations, Fraud and Loss Prevention; Legal Process; Legal Compliance; Reservation of Rights, Frost Bank Property, Branch and ATM Code of Conduct, Notify Us of Inaccurate Information We Report to Consumer Reporting Agencies, Consent to Autodialed and Prerecorded Phone Calls and Text Messages; Consent to Fraud Alert Text, Debit Card Services (Including Health Savings Account Debit Cards), Frost Online Banking Services for Personal and Business Accounts, Mobile Device and Wireless Internet Access, Lost, Destroyed or Stolen Cashiers Checks, Tellers Checks or Certified Checks, Wire Transfers and Automated Clearing House (ACH) Transactions, Cash Vault Services and Smart Safe Services, Representations and Agreements; Indemnity, Relationship to Your Digital Wallet Provider, Required Disclosures Under Electronic Funds Transfer Act and the Consumer Financial Protection, IMPORTANT INFORMATION ABOUT CASH REPORTING REQUIREMENTS FOR BANKS UNDER THE BANK SECRECY ACT. For sale of monetary instruments reporting purposes, Frost Bank will accept passports and the Matricula Consular Card. (3) Delivery and Receipt of Notices, VII. Electronic Funds Transfers Generally At the beginning of each statement period, we will allocate funds between the two subaccounts as we deem appropriate. We may not provide this notice to you prior to placing a Hold on your Account(s) if we believe that such notice could result in a security risk to us or to the owner of the funds in the Account. Your revocation will become binding upon us upon the last to occur of the following: (i) three (3) Business Days after we receive your written notice of revocation; or (ii) the day that we receive a copy of your written notice to the payee that your authorization has been revoked. Threats of violence or physical harm in any of its Premises will not tolerate violence or threats of or. 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