Frost Bank has established procedures mandating training and education programs to inform all employees of the need to limit access to customer records and maintain the confidentiality of these records. You should understand, however, that it is easier for someone to imitate, duplicate, counterfeit, or gain unauthorized access to, or otherwise manipulate, a form or mechanical signature than it is for someone to imitate, duplicate, counterfeit, or gain unauthorized access to, or otherwise manipulate, a unique and distinctive signature. 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 example, we may close, revoke privileges or convert your Account to another type of Account if we think another type of Account would better suit the way you use your Account, if you make frequent transactions on a money market deposit or savings Account, if your Account frequently has debits against uncollected funds, if your Account has excessive deposit activity or if you use a Personal Account for anything other than personal, family or household purposes. Strong, robust encryption technologies are used for computer-generated customer data and records. B. You agree to repay immediately an Overdraft caused by a return of a cashed or deposited item. To do this, the bank or check cashing place will usually ask for at least two forms of picture identification. All costs and expenses associated with the negotiation of the dispute shall be paid by the Party incurring such cost or expense. If your Account has not matured, any withdrawal of all or part of the funds from your Account may result in an early withdrawal penalty. The panel will reconsider all factual and legal issues following the same rules of procedure and, based on majority vote, determine whether any reversible error has occurred. Bank shall not be deemed to have finally received and accepted any Smart Safe deposit until such deposit has been physically verified by Bank or the Smart Safe Vendor at the direction of Bank. 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. We are pleased to provide you with our Deposit Account Agreement (the Agreement as further defined below), which applies to any personal or business checking, savings, money market or CD account (each either a Personal Account or a Business Account and, collectively, Account(s) as defined below) you may have with Frost Bank. The front of a Substitute Check states: This is a legal copy of your check. Our policy is generally to make funds from your Digital Deposits available to you on the first Business Day after the day we receive your deposit. The best way to minimize your loss is to call us immediately. The Wallet allows you to make purchases using an added Payment Card wherever the Wallet is accepted. We will notify you if we delay your ability to withdraw funds for any of these reasons, and we will provide you with an estimate of when the funds will be available. Since 1868, Frost Bank has recognized and respected our customers right to confidentiality. If you do not have a separate written agreement with us granting you the ability to create Substitute Checks, then you can only deposit Substitute Checks or any IRD that purports to be a Substitute Check if such Substitute Checks have already been endorsed by a bank. These three companies offer online check cashing services on checks between $5 and $5,000. 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. 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. You are required to have an eligible Mobile Device (a Supported Digital Wallet Device) in order to use this service. 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. (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. (7) Electronic Check Conversion You may authorize a merchant or other payee to make payment via a one-time electronic funds transfer from your checking Account using information from your check to: (8) Represented Check Transaction You may authorize a merchant or other payee to electronically collect a fee associated with the re-presentment of a check that is returned due to insufficient or unavailable funds. If we decide that there was no error, we will send you a written explanation. We may pay the withdrawal and may charge your Account for it. We may also block certain transactions that we suspect are illegal, including, but not limited to, transactions in violation of the Unlawful Internet Gambling Enforcement Act. (e) Multiple-Party Account with Right of Survivorship and P.O.D. The 615 ATMs at Valero Corner Stores, added to 469 ATMs operated by Frost Bank, will boost Frost's overall ATM network in Texas to 1,084. We will extend this time period if you were not able to make a timely claim because of extraordinary circumstances. 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. 6pm local time (8pm local time at deposit envelope ATMs) PNC Bank. To help safeguard against potential unauthorized use of your Account, you should employ reasonable caution when using a mobile phone, mobile device, tablet, wearable device, or wireless Internet access to conduct any electronic transactions with us (including, but not limited to, SMS text message transactions). 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.. Debit Card refers to your Personal Debit Card, Health Savings Account Debit Card, or Business Debit Card. 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. You did not receive your scheduled Account statement. (10) Facsimile Signatures If you use a procedure or mechanism that causes checks to be drawn on your Account(s) (such as, but not limited to: signature stamp; typed signature; facsimile signature; desktop publishing, digitized, or computer software generated signature; notation; or mark or other form of mechanical symbol (collectively, the Mark)) that is not the signature that is on the Signature Card that you signed when you opened your Account, you are adopting such Mark as your signature and authorizing us to pay checks upon which the Mark appears or purports to appear. (2) If you authorize the conversion of your check into an electronic debit under one of the situations described above, funds may be withdrawn from your Account sooner than the funds would have been withdrawn had the original paper check been sent to us for payment. All other fees will be allocated according to the arbitration administrators rules and applicable law. If you give us incorrect information, we will not be liable for failing to stop payment on the check. It is possible that the item will be returned unpaid months or longer after we have made the funds available to you and you have withdrawn them. All other capitalized terms used that are not otherwise defined in this Agreement or in the Documentation shall have the meaning given to such term in Article 3 or Article 4 of the UCC (as amended from time to time) effective in Texas as adopted in the Texas Business and Commerce Code. If your Current Balance is less than the amount necessary to pay the withdrawal or debit when it is processed against your Account, we will determine, in our sole discretion, whether to pay the withdrawal or debit resulting in an Overdraft or dishonor the withdrawal or debit (return the withdrawal or debit unpaid). The owner of an Agency Account may revoke the agents authority over the Account at any time by notifying us in writing. Cash Vault Services allows such customer to place coin orders for coin and currency and schedule delivery and pick up. (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. Visit a retailer. Funds from cash and electronic direct deposits will generally be available on the day we receive the deposit. The Frost Commercial Mobile Deposit App allows you to easily deposit one or multiple checks and submit deposits directly to your account. With the exception of checks and other items where the payor has required two or more endorsements, you authorize us to supply missing endorsements. N. Indemnification Money orders can be used for a variety of purposes, including paying for large purchases through private sales, sending money to family members or putting a security deposit down on a new apartment. 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. Monday-Friday, after 6 pm ET and Saturday-Sunday. Substitute Check means a paper reproduction of an Original Check that: (1) contains an image of the front and back of the Original Check; (2) bears a MICR line that, except as provided under the applicable Standard, contains all the information appearing on the MICR line of the Original Check at the time that the Original Check was issued and any additional information that was encoded on the Original Checks MICR line before an image of the Original Check was captured; (3) conforms in paper stock, dimension, and otherwise with ANS X9.100-140 (unless the Federal Reserve Board by rule or order determines that a different standard applies); and (4) is suitable for automated processing in the same manner as the Original Check. Although Frost Bank employs security and authentication procedures for customers using our Online Banking Services (including optional Mobile Banking Services), we strongly encourage you to conduct wireless Internet online banking activities only over a secure wireless network to further ensure that your Account information, password, User ID and any AAI cannot be intercepted during transmission over a wireless network without your knowledge or authorization. (i) ATM and Debit Card Fees For information regarding our fees applicable to the use of your card, see our current Schedule. THE AGREEMENT FOR YOUR ACCOUNT L. Disclaimer of Warranties Yes. (1) Your Ability to Withdraw Funds The provisions in this Section VI.C. You may withdraw up to $1,000 per card per day at ATM terminals (separate ATM machine withdrawal limits may apply). Walmart will also cash a personal check of up to $200 . K. Changes to Digital Wallet Service Terms ), or otherwise made available to you. F. Use of Your Mobile Cards BOC conversion may occur at a retailer who posts notice that your check may be converted to an electronic debit via the retailers back-office processes, and the retailer or merchant may provide you with written notice of these conversion procedures and may, at the retailers discretion, destroy your check. Our Personal and Health Savings Account Debit Card Agreement and Disclosure (or similar agreement) for Personal Accounts, and our Business Debit Card Agreement and Disclosure (or similar agreement) for Business Accounts contains a description of the Frost Bank recommended customer practices for maintaining the security of your Debit Card number and associated PIN. 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. 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. Furthermore, if you provide us with an Electronic Image of a Substitute Check for deposit into your Account instead of an Original Check, you agree to reimburse us for all claims, losses, costs and damages we incur because the Substitute Check resulting from the Electronic Image does not meet applicable Substitute Check Standards or causes duplicate payments. We may pay any sum in the Account to a Party, including a Partys Power of Attorney or agent, at any time. If you want us to consider authorizing these transactions when the amount of your Available Balance is insufficient to cover the transaction at the time of authorization, you must provide affirmative consent, or opt-in, for us to pay one-time debit card transactions that would result in an Overdraft when the transaction is presented for payment and charge you an Overdraft fee, as allowed by applicable law. We may choose, in our sole discretion, to offer interest-bearing Personal Accounts, and interest-bearing Business Accounts (Accounts for sole proprietors, business partnerships, professional associations, limited liability companies, for-profit corporations, non-profit entities and governmental units). We feel a strong commitment to rigorously safeguard and protect their financial information. (1) Individual Accounts 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. In any case, you will get an Account statement at least quarterly. Electronic funds transfers refers to the following activities with respect to a Personal Account: ATM and Debit Card transactions (including POS transactions), direct deposits of payroll checks or government checks, preauthorized withdrawals, other direct deposits, use of our 24-hour automated phone system or use of Frost Online Banking Services. Such mediation will be scheduled to take place within thirty (30) calendar days after the notice is given. . Until the Smart Safe Vendor has received and physically verified any Smart Safe deposit, Bank accepts no liability for loss of any Smart Safe deposit(s) or any losses or damages incurred by customer with respect to the Smart Safe deposit(s). YOU UNDERSTAND AND AGREE THAT YOU WILL BE RESPONSIBLE FOR MAINTAINING SECURITY AND CONTROL OVER ALL USER IDS AND PASSWORDS PROVIDED BY BANK, AND SHALL USE SECURITY FOR SUCH ITEMS COMPARABLE TO THE SECURITY AND CONTROL YOU WOULD USE FOR CASH, BUT IN NO EVENT LESS THAN REASONABLE SECURITY AND CONTROL IN THE CIRCUMSTANCES. Spell out the value on the "Dollar amount" line, with cents expressed as a fraction (e.g., "Nineteen . Generally, if you deposit a check or checks for $200 or less in person to a bank employee, you can access the full amount the next business day. Other Features Include: - Place a temporary freeze on your debit card. You expressly warrant that no entry delivered to us will, if we accept it, cause us to be in violation of any sanction administered by the United States Department of Treasurys Office of Foreign Assets Control (OFAC) or any applicable anti-money laundering statute, including, but not limited to, the federal Bank Secrecy Act and the USA-PATRIOT Act. Any request for arbitration must be by written request delivered to the other Party by certified mail. (13) Re-presented Checks In addition, we may report to the IRS multiple cash transactions which together total more than $10,000 in any one THIS PARAGRAPH SHALL SURVIVE TERMINATION OF THIS AGREEMENT FOR ANY REASON. Upon receipt of any deposit(s), the Smart Safe Vendor will verify currency amounts removed from each of customers Smart Safes. 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. Checks or items that are Remotely Created Checks (as defined in Regulation CC). We are not liable to you for any special, incidental, exemplary, punitive or consequential losses or damages of any kind. The day we receive the deposit may charge your Account for it Withdraw funds the provisions this. ) PNC Bank and protect their financial information their financial information of a Substitute check:. Any kind usually ask for at least two forms of picture identification authority the! Bank has recognized and respected our customers right to confidentiality funds from and! Owner of an Agency Account may revoke the agents authority over the Account at any time by notifying in! 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