You agree to indemnify us from all loss, expense and liability related to a claim that such draft or check was not authorized by the persons on whose account it was drawn. 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. However, you agree that you will not use Digital Deposits to submit any of the following: Checks or items payable to any person or entity other than you/your company. (4) Holds on Other Funds (Other Accounts) (2) Account Changes You authorize us to request and obtain one (1) or more credit reports about you from one (1) or more credit reporting agencies for the purpose of considering your application for the Account, reviewing or collecting any Account opened for you, or for any other legitimate business purpose. About Frost bank credit card. Electronic Fraud Protection. 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. For Business Account customers, you understand and agree that any employee or applicant for a job responsible for handling your financial affairs (including processing, writing or receiving checks, handling Account statements or acting otherwise in a responsible manner regarding your financial affairs) has been asked specifically whether they have ever been convicted of a felony, that a thorough background check of such employee or applicant has been conducted, that a system of reasonable financial controls is in place, and that you have instituted a program that encourages your employees to report fraudulent or dishonest activities to you or company management. If any capitalized term defined below is used in the provisions of Regulation CC (Vol. These features and procedures are the sole responsibility of your Digital Wallet provider. (7) Adjustments and Receipts We may rely on the Account number of any deposit slip or similar record we receive, even if that Account number is associated with a name that is different from the name you have provided. Q. In addition, if we are presented with or have reasonable grounds to anticipate conflicting instructions regarding your Account, or if we have any reason to believe there is a dispute regarding your Account, such as conflicting instructions concerning funds in your Account or signatory authority to the Account, we may take any action described above or we may, unilaterally and in our sole judgment, place funds in a court (an interpleader action) for resolution. Consider a prepaid card account. 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. For sale of monetary instruments reporting purposes, Frost Bank will accept passports and the Matricula Consular Card. Frost will pay any costs that are required to be paid by Frost under the arbitration administrators rules of procedure. Each renewal of a stop payment order will be treated as a new stop payment order. The trust Account does not become part of your estate and does not pass under your will or by intestacy, unless you were to survive all of the beneficiaries and all other trustees. ), or otherwise made available to you. No. Look at a check-cashing . The arbitrator(s) shall in no event, have any power or authority to consolidate claims asserted by different claimants or counter-claimants, adjudicate any claims presented to them on a class wide basis, treat any claimant or counter-claimant as a representative of a class of claimants or counter-claimants, or award any relief on a class-wide basis. 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. Funds will normally be withdrawn from your Account the next Business Day. 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. We recommend that you conduct the transaction and provide the Bank with the required information. Q. Mifflintown, PA 17059. Original Checks or other items previously converted to a Substitute Check. Since 1868, Frost Bank has recognized and respected our customers right to confidentiality. We may charge you a fee for each stop payment order you give us in accordance with our fee schedule. You must also inform the payee in writing of your revocation. On your death, your ownership of the Account passes to the surviving parties. (ii) Single-Party Account with P.O.D. If you fail to comply with any of the above, we are not obligated to reimburse you for any claimed loss, except for consumer transactions that may be governed by Regulation E. If you are a Business Account customer and choose to participate in our Positive Pay services, which are designed to help prevent check fraud, and you fail to utilize or follow the procedures required for those services, you will assume the risk that checks presented against your Account may be forged or altered, to the extent that the services we offered may have prevented any loss. If you are a business partnership, we may also charge the Personal Accounts of any general partner. The arbitrator(s) shall have no authority to award punitive damages or any other relief not measured by the prevailing Partys actual damages (e.g., two times actual damages). If your Account is overdrawn when closed, you agree to pay immediately all amounts you owe to us. C. Relationships to Other Frost Agreements This applies at the time of Account opening and at all times thereafter. 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). Withdrawals by mail will be posted to your Account as of the day the transaction is processed by us. It also includes situations where any action taken on your Account by you, an authorized signer, a joint owner, or a third party causes us to seek the advice of an attorney, whether or not we actually become involved in a dispute. We reserve the right to change the terms and conditions upon which our services are offered. (1) Penalty The early withdrawal penalty is calculated as a forfeiture of part of the accrued interest that has or would be earned on the Account. 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. ADDITIONALLY, YOUR SUPPORTED DIGITAL WALLET DEVICES BROWSER IS GENERALLY PRE-CONFIGURED BY YOUR WIRELESS CARRIER. We strongly encourage you to review the Security Procedures, requirements and recommended practices. This means that each joint Account Holder, but not a designated agency signer or convenience signer, is fully and personally obligated to Frost Bank under the terms of the Agreement, including liability for Overdrafts and debit balances, irrespective of which joint Account Holder or signatory benefited from the withdrawal. (a) Multiple-Party Account without Right of Survivorship If this is the type of Account you have with us, then you own the Account in proportion to your net contributions to the Account. 1.0% of the check amount ($3 minimum and $25 maximum) M&T Bank. AnytimeCheck: Best for Businesses. You may choose to get this notice only when the payment will differ by more than a certain amount from the previous payment, or when the amount would fall outside certain limits that you set. A Substitute Check that you receive is the legal equivalent of an Original Check for all purposes. You are required to have an eligible Mobile Device (a Supported Digital Wallet Device) in order to use this service. Frost is the banking, investments and insurance subsidiary of Cullen/Frost Bankers, Inc. (NYSE: CFR), a financial holding company with $21.8 billion in assets at September 30, 2012. Federal laws, including the Bank Secrecy Act, require that all banks obtain this information on these types of cash and monetary instrument transactions. (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. 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. (10) Stop Payments on ATM, POS, or Debit Card Transactions . 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. (3) Certain Direct Deposits That organization will apply its procedures in effect at the time the arbitration claim is filed. (2) General Information (2) Withdrawal Restrictions and Overdrafts We process Items received by us for settlement each Business Day to determine your Current Balance in the manner described in this section. Obtain balance information for your checking or savings Account. Some banks and credit unions don't charge a fee for certified checks. You can go directly to your bank and ask for a cash advance. This obligation includes disputes between you and us involving your Account and situations where we become involved in disputes between you and an authorized signer, a joint owner, or a third party claiming an interest in your Account. We will not be liable to you for refusing such a deposit. Sufficient Copy means: (1) A sufficient copy is a copy of an Original Check that accurately represents all of the information on the front and back of the Original Check as of the time the Original Check was Truncated or is otherwise sufficient to determine whether or not a claim is valid. A. (1) Your Ability to Withdraw Funds 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. (12) Converting Checks To Electronic Debits . (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. Walmart is one of the most global and accessible check cashing places on this list. You agree to reimburse us (and we may charge your Account) for all claims, costs, losses and damages, including attorneys fees, that result from our payment of a withdrawal bearing either a facsimile that resembles or purports to bear your signature or Mark or a facsimile that we believe you authorized. Upon receipt of any deposit(s), the Smart Safe Vendor will verify currency amounts removed from each of customers Smart Safes. We may require a separate form for each agent and for each Account for which you want to grant a Power of Attorney. 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. Any final arbitration award, rendered in a reasoned opinion, will be binding on the named parties and enforceable by any court having jurisdiction. Where there is any conflict of law regarding an appeal of any decision of the arbitrator(s), you and the Bank agree that Texas law shall control. Disruptive conduct of any nature by a Frost Bank customer will not be tolerated on the Premises, and such conduct will result in ejection of the disruptive Frost Bank customer from such Premises. FROST RESERVES ALL RIGHTS NOT EXPRESSLY GRANTED TO YOU. 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. 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. Checks or other items containing apparent alteration to any of the information on the front of the check or item, or which you know or suspect (or should know or suspect) are fraudulent or otherwise not authorized by the owner of the Account on which the check or item is drawn. The most important part of cashing a third party check without a personal account is proving you are the person whose name is written on the check. 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. Furthermore, you are explicitly authorizing us to pay any and all checks presented against your Account which contain any mechanical signature which reasonably resembles the Mark you have adopted: Regardless of whether the Mark is actually that which you have adopted; Regardless of how or by whom the Mark was affixed; and. The availability of funds for deposits via Digital Deposits is set forth in the Funds Availability Policy Disclosure section of this Agreement. We are committed to maintaining the confidentiality and security of our customers financial information, which is consistent with Frost Banks values and commitment to customer service. ELECTRONIC BANKING SERVICES The Bank must also have the identifying information of the person conducting the transaction. Any requests for arbitration must be sent to Frost by email at LegalLitigation@frostbank.com and certified mail to the following address: Frost Bank Legal Department, 111 West Houston Street, San Antonio, Texas 78205. (FRAUD AND LOSS PREVENTION; LEGAL PROCESS; LEGAL COMPLIANCE; RESERVATION OF RIGHTS) OF THIS AGREEMENT, INCLUDING, BUT NOT LIMITED TO, INTERPLEADER ACTIONS). Double . (6) Power of Attorney If the amount of the Smart Safe deposit as verified by the Smart Safe Vendor differs from the amount of the Smart Safe deposit reported to Bank, Bank will debit or credit customers Account as necessary to reflect the amount of the Smart Safe deposit as verified by the Smart Safe Vendor. If you share these credentials with anyone, that person may be able to use your Wallet to make purchases or obtain access to your personal and payment information available through the Digital Wallet Service. 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. 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. When exchanging customer information with third-party processors, we enter into confidentiality agreements with respect to customer data. Menu. (14) Electronic Checks You may give a merchant information about your checking Account over the phone or over the Internet and authorize them to create an electronic withdrawal from your Account. 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. the sender of the ACH debit transaction), but this may stop all ACH items from this sender. The Bank has the right to refuse your transaction if you do not want to provide the required information. Q. In order for Frost to authorize your use of your Payment Card within the Digital Wallet Service, your Payment Card must be an eligible Payment Card type, your Payment Card and the underlying Account must be in good standing, and you must not be restricted from using the Digital Wallet Service based upon any limitations imposed by your Digital Wallet provider, your wireless service provider, and/or any third party associated with your Digital Wallet. You agree to repay immediately an Overdraft caused by a return of a cashed or deposited item. Frost reserves the right to restrict the use of certain Payment Card types within the Digital Wallet Service. 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. I. The arbitrators authority is limited to the dispute between you and Frost. 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. This includes the individuals/organizations full name, permanent street address, Social Security Number, Taxpayer Identification Number, other identification numbers (such as drivers license, ID or passport), date of birth (if applicable), and business, occupation or profession. The Bank reserves the right to change any or all of the Security Procedures offered and/or used at any time by giving oral or written notice to you. You understand that all electronic funds transfers must originate from an Account on which you are an Account Holder. We urge you to carefully read the Agreement and keep it for future reference. Watch on. Such phone calls and text messages may include auto-dialed phone calls and text messages, prerecorded phones calls and text messages, or both. By entering into this Agreement, you understand and agree that Frost may use your unique mobile device ID, IP address for your laptop or desktop computer, your devices location services, and any security tokens or cookies that Frost may place on such mobile or other devices, in order to monitor transaction location and activity for fraud prevention purposes. Requirements: Photo ID. Funds will be transferred from the savings subaccount to cover checks presented against the transaction subaccount as may be needed. If you submit your deposit within the below timeframes: Up to $225 is available: Remaining funds of deposits are available: Monday-Friday, prior to 6 pm ET. K. Changes to Digital Wallet Service Terms (3) Additional Account Types When you get the form it is up to the bank. If you have recently received a money order, read below to learn how to cash it quickly and safely. What information is required if I send someone else to conduct the transaction for me? Driver's licenses and passports are usually the best choices. Visit with a Frost Banker at your nearest Frost financial center. To sign a . 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. 5 business days after the day of the deposit. Visit a retailer. 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. If you choose to designate a beneficiary, you must complete a beneficiary designation form at the time you open this Account. (1) Provisional Payment B. If you are a Business Account Holder, then in the event of any security breach incident involving any potential or actual unauthorized access or acquisition of data owned by you (e.g. (9) Fees We use your Available Balance to determine whether we will authorize ATM and one-time debit card transactions at the point of sale. 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. Magnetic Ink Character Recognition Line or MICR Line means the numbers, which may include the routing number, Account number, check number, check amount and other information, that are printed near the bottom of a check in magnetic ink in accordance with the Standards. 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. Lily Collins reveals she'd 'love to have a family' with husband Charlie McDowell and says Emily In Paris has made her take more risks in life as she channels Audrey Hepburn in stunning shoot Security Procedures may include, but are not limited to, call-back procedures, request for personal identification, password, PIN number, telephone code words, or any other security code, algorithms, encryption or similar security devices. $0 Monthly Service Charge when you have $250,000 combined average daily balances* of personal deposit and investment accounts you own. Please notify us if we report any inaccurate information about your Account(s) to a consumer reporting agency. We are not responsible for the exchange rate set by an intermediary or correspondent bank or the receiving bank. If a notice of error involves unauthorized use of your card for a transaction processed through the Visa system (for example, use of your personal Debit Card when no PIN is used), we will provide provisional credit within five (5) Business Days after you notify us instead of within the usual ten (10) or twenty (20) Business Days. Once created, a Mobile Card may work even if you do not have wireless service. We will extend this time period if you were not able to make a timely claim because of extraordinary circumstances. You have overdrawn your Account repeatedly in the last six (6) months. 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. 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. (2) What are Your Rights Regarding Substitute Checks In certain cases, federal law provides a special procedure that allows you to request a refund for losses you suffer if a Substitute Check is posted to your Account (for example, if you think that we withdrew the wrong amount from your Account or that we withdrew money from your Account more than once for the same check). (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. We may confirm the funds you deposit and, after review, may adjust your Account for any errors including any errors on your deposit slip. With these, you can usually cash checks at any of the bank's branch locations or ATMs. The first $225 of your Digital Deposits, however, will be available on the first Business Day after the day of your deposit. 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. Upon our request, you will supply us a copy of any trust agreement covering the Account. B. (b) Community Property without Right of Survivorship In Texas, this type of Account only applies to persons who are married to each other, both of whom need to be named on the Account. H. Stop Payment Orders for Checks Notices from you will be effective when received by us at the telephone number or the address specified in this Agreement. * Locate 1,700+ Frost ATMs and 150+ financial centers. 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. You must separately contract with an armored carrier (Carrier) that is acceptable to us to allow Vault Deposit delivery to a remote cash vault location. When a merchant re-presents a check electronically, that transaction is not covered by the Electronic Funds Transfer Act or this Electronic Funds Transfer disclosure. 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