This Agreement will control any conflicts between its procedures and this Agreement. Frost reserves the right, for any reason, to discontinue offering or supporting any Mobile Card and/or the Digital Wallet Service. In addition, we have the right to destroy your statements if you have not claimed them within sixty (60) calendar days. Box 1600, San Antonio, TX 78296. The third arbitrator shall be selected by mutual agreement of the parties. (2) Smart Safe Services A. Frost may use this information, as long as it is in a form that does not personally identify you, to improve Frosts products or to provide services or technologies to you. Electronic Fraud Protection. Generally 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. We reserve the right to verify any transaction carried out by a convenience signer with the owner(s) of the Account. If you do not opt-in to allow us to pay one-time debit card transactions that result in an Overdraft, we may still pay those transactions, in our sole discretion, and you are still required to promptly repay us the amount of the Overdraft, but we will not charge you a fee. You understand that your use of the Digital Wallet Service is subject to the terms and conditions of this Agreement, including this Section VIII. C. Fraud and Loss Prevention; Legal Process; Legal Compliance; Reservation of Rights If the beneficiary requires you to send payment in U.S. Once created, a Mobile Card may work even if you do not have wireless service. As such, we advise you to make your stop payment request to Frost Bank at least three (3) business days prior to your next regularly scheduled pre-authorized debit transaction date. B. Camilla has a background in journalism and business communications. Strong, robust encryption technologies are used for computer-generated customer data and records. Even though the foreign item is returned unpaid, we may charge you for our collection fees and for fees and charges assessed by the paying bank and any agents involved in the collection or settlement process. 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. (e) Multiple-Party Account with Right of Survivorship and P.O.D. A Partys invocation of the dispute resolution provisions under this Agreement applies whenever there is a dispute between you and Frost Bank. (2) Exceptions Any permitted assignment of your Account is subject to and superseded by our setoff rights and remains subject to any other right we have under the Agreement and applicable state and federal law. We reserve the right to convert or change your Account type at any time when we consider it appropriate or necessary to do so. (10) Stop Payments on ATM, POS, or Debit Card Transactions We may pay the withdrawal and may charge your Account for it. 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. Examples include but are not limited to: Loading, topping up, or adding funds to prepaid card accounts, Moving funds into an eligible checking or savings account, Person-to-Person (P2P) transfers via a debit card, (iii) Limitations on Business Accounts. You may purchase up to $4,500 per card per day at Visa merchants, POS terminals, and by cash advance. A. 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. Bank retains the ability to either approve or deny your use of Digital Deposits in Banks sole and absolute discretion. We may also restrict the types or sizes of transactions we permit an agent to conduct. Soliciting money or distributing literature on the Premises is not allowed at any time. 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). They might provide it right away or send it to you at the end of . On your death, your ownership passes as a part of your estate under your will or by intestacy. If you are a business partnership, we may also charge the Personal Accounts of any general partner. 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. You will have no liability for unauthorized transactions if you notify us within sixty 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. As is referenced above, the AAA or like organization will be the arbitration administrator. 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. Bank reserves the right to refuse to provide provisional credit for any Smart Safe deposits at its reasonable discretion. (11) Preauthorized Drafts If you voluntarily give information about your Account (such as our routing number and your Account number) to a party who is seeking to sell you goods or services for payment of such goods and services, even if you do not physically deliver a check to the party, any debit to your Account initiated by the party to whom you gave the information is deemed authorized by you, to the extent allowed by law. (2) Longer Delays May Apply In some cases, we will not make all of the funds that you deposit by check available to you on the first Business Day after the day of your deposit. We also may refuse to allow a withdrawal if there is a dispute about the Account (unless a court has ordered us to allow the withdrawal), the Account is garnished or attached, the Account has been pledged as collateral for a debt, the availability of the funds on deposit cannot be verified, any required documentation has not been presented, or you fail to repay an obligation to us on time. Compounding generally means that interest is being accrued on interest previously earned but not yet paid. The arbitration will be administered either by the American Arbitration Association (AAA) in accordance with its Commercial Arbitration Rules or Consumer Arbitration Rules, as applicable, and the Texas Arbitration Act, or by a like organization selected by the Bank in accordance with such organizations rules for resolution of commercial or consumer disputes, as applicable, and the Texas Arbitration Act. 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. (3) Notice Requirements below (Right of Setoff). FROST WILL NOT BE LIABLE TO YOU FOR ANY CIRCUMSTANCES THAT INTERRUPT, PREVENT OR OTHERWISE AFFECT THE FUNCTIONING OF ANY MOBILE CARD, SUCH AS UNAVAILABILITY OF THE DIGITAL WALLET OR YOUR WIRELESS SERVICE, COMMUNICATIONS, NETWORK DELAYS, LIMITATIONS ON WIRELESS COVERAGE, SYSTEM OUTAGES, OR INTERRUPTION OF A WIRELESS CONNECTION. The Parties may select a mutually agreed-upon mediator; provided, however, that the person selected as mediator must: (i) have ten (10) years or more of practical working experience in the banking industry; (ii) be an attorney licensed by the state of Texas, in good standing with the Texas State Bar, with substantial experience in the trial or resolution of business disputes; or (iii) be a member in good standing of the Texas Academy of Distinguished Neutrals. 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. Furthermore, to the extent there is a conflict between the records of the Bank, the Smart Safe Vendor or customer regarding the Smart Safe deposit, the Banks records shall control. Funds that are deposited using Digital Deposits will not be deemed received by us until we have received an Electronic Image that meets all of the requirements for deposits via Digital Deposits (including all requirements to create a Substitute Check) stated in this Agreement and in the Digital Deposits documentation. Such negotiation may include an in person meeting between you and the Bank at a mutually agreed time and place, and an exchange of documents pertaining to the dispute. Such Security Procedures offered by the Bank are described herein and in Documentation applicable to such services. For transactions processed through the Visa system (for example, use of your personal Debit Card when no PIN is used), liability limits differ from those set forth above. To the maximum extent permitted by applicable law, you will be solely liable for all transactions initiated before the Bank has received such notification and has had a reasonable opportunity to act on such notification. Frost is not responsible for, and does not provide, any support or assistance for any third-party hardware, software, or other products or services (including any Digital Wallet or your Supported Digital Wallet Device, as defined in Subsection E below). If you choose to designate a beneficiary, you must complete a beneficiary designation form at the time you open this Account. * Locate 1,700+ Frost ATMs and 150+ financial centers. Substitute Checks and Your Rights 2% of the check . We will also tell you when the funds will be available. In addition to your ability to request that a Wire Transfer be sent in a currency other than U.S. dollars, Wire Transfers that are denominated in U.S. dollars but contain instructions from you for us to send to an account denominated in a foreign currency, may be converted by us or converted by an intermediary or correspondent bank or the receiving bank, in such entitys sole discretion, into the applicable currency of the country the Wire Transfer is being sent to. With regard to your obtaining Digital Deposits services under this Agreement, you must comply with the personal computer, check scanner and mobile device hardware, software, and other requirements, as well as applicable Security Procedures, as set forth in this Agreement and as set forth in any Documentation or any supplemental information and/or instructions provided by the Bank. All other fees will be allocated according to the arbitration administrators rules and applicable law. Consider using a check. (12) Documentation of Transfers 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. A. Except as limited by law, you agree to pay us the fees and charges shown in the Schedules applicable to your Accounts and for other services we perform. If funds from a deposit become available and you withdraw funds, that does not mean the check or other item you have deposited is good, has cleared, or has been paid by the paying bank. Cash the check at a check-cashing store. Hand . We will hold all deposits in the Account for the exclusive benefit of the minor. 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. 6pm local time (8pm local time at deposit envelope ATMs) PNC Bank. The Check Cashing Store: Most Simple App. From banking and insurance to all your investment needs, Frost is here for you. 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. This Agreement, together with specific terms and conditions governing your Account(s), provided separately, details our relationship with you. 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. And because we put people first, you'll get the kind of . (1) ATM and Debit Card Transfers and Limitations We act only as custodian of the trust funds and are not acting as a trustee, nor do we need to inquire as to the powers or duties of the attorney or law firm as trustee(s). However, there are online check cashing options availablelike PayPal, Venmo, and Ingo Money. N. Indemnification These checks have extra security features . Frost Bank Insurance. The Carrier must continue to meet our vault location requirements. Your Digital Wallet may also allow you to view recent purchase transactions made by you with your Payment Card. 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. (Required Disclosures Under Electronic Funds Transfer Act and the Consumer Financial Protection Bureaus Regulation E). The Bank has the right to refuse your transaction if you do not want to provide the required information. If Account statements are held by us in accordance with a Hold Request or because you fail to provide us with a current address, they will be deemed delivered to you when they are either prepared (if held by us) or delivered to the Statement Call division (if held pursuant to a Hold Request from you), mailed (for return mail), or otherwise made available to you. THIS PARAGRAPH SHALL SURVIVE TERMINATION OF THIS AGREEMENT FOR ANY REASON. (2) Withdrawal Restrictions and Overdrafts It might include a missing signature, an unauthorized signature, or an alteration, or be a transaction that was otherwise not authorized by you. This section pertains to individual Accounts: (i) Single-Party Account without P.O.D. (4) Remotely Created Checks (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. We are not liable to you for any special, incidental, exemplary, punitive or consequential losses or damages of any kind. During scheduled system maintenance or unscheduled downtimes, Frost operated ATMs may go into Stand-In Mode.. You bear the sole responsibility for any and all costs of complying with required data breach notifications to individuals, credit bureaus and/or governmental entities as required by applicable law, and any and all costs for credit report monitoring of fraud monitoring associated with such security breach incident. (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). $0 Monthly Service Charge when you have $250,000 combined average daily balances* of personal deposit and investment accounts you own. Even if we choose to pay one (1) or more Overdrafts, we are not obligated to pay any future Overdrafts. It does offer many benefits, including free access to 1,200 ATMs throughout Texas, free online/mobile banking, and a free Visa checkcard. At the beginning of each statement period, we will allocate funds between the two subaccounts as we deem appropriate. If you or your Account becomes involved in a Legal Process, your use of the Account may be restricted. Menu. In this Agreement, each and all of the depositors may be referred to as "you," "your," "Account Holder" or "customer.". We will notify you of amendments as required by law. 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. 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. (5) Error Resolution Procedures In case of errors or questions about your electronic funds transfers, either call or write to us using our contact information as listed above. Be sure to ask your bank or credit union for this policy. We do not make any warranties or representations about the third parties or their products or services. 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. When we accept a Power of Attorney we may continue to recognize the authority of your agent as attorney-in-fact until we receive written notice of revocation from you and we have had a reasonable time to act in response to such notice. Frost will pay any costs that are required to be paid by Frost under the arbitration administrators rules of procedure. We must hear from you no later than sixty (60) calendar days after we sent you the FIRST statement on which the problem or error appeared. You acknowledge that the purpose of Security Procedures is to authenticate the identity of the person initiating the action, not to detect errors in any transmission or content. We may confirm the funds you deposit and, after review, may adjust your Account for any errors including any errors on your deposit slip. ELECTRONIC BANKING SERVICES Similarly, if one of the account holders owes money, the creditor can try to collect from money in the joint bank account. Mifflintown, PA 17059. You may change your phone number by following the steps outlined at www.frostbank.com. (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. K. Funds Availability Hold means funds deposited into your Account that are not yet eligible for withdrawal under our funds availability rules set forth in this Agreement. (6) Online Banking, Mobile Banking, and Bill Payment Services sender) and receiver (i.e. 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. You expressly acknowledge and agree: (1) our implementation of your Hold Request means any Account statement received and held by us per your Hold Request is deemed delivered to you as of the date the statement is first made available and delivered to the Statement Call division, regardless of when you physically pick up the statement from us; (2) you are solely responsible for reviewing any Account statement(s) for which you have made a Hold Request; and (3) a Hold Request does not delay, postpone or otherwise affect or modify any provisions of this Agreement regarding your responsibilities and relevant deadlines for notifying us of any Account statement irregularities or potentially unauthorized, erroneous or fraudulent transfers, and any time period for any applicable notice deadline begins running when the statement is first made available to you, which, in the case of any Hold Request, is the date the Statement Call division receives the statement. Judgment may be entered upon any award in any court having jurisdiction. The best banks in the U.S. typically offer simple bank accounts with a small minimum opening . If you have any questions or issues with a third-party product or service, including issues pertaining to the operation of your Supported Digital Wallet Device, please contact the appropriate third party in accordance with that third partys procedures for customer support and assistance. If you have cash exceeding $10,000, it is best to conduct the transaction and have the Bank file the required CTR. At no time is the Bank liable for the contents of such transfers. (2) Minimum Balance Requirements Q. 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. 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. We may, in our sole discretion, terminate your Digital Deposits effective immediately if: (1) there is an occurrence of a material change in your Account activity or other risk analysis criteria as determined by us in our sole and absolute discretion; (2) we at any time determine that you (or your Third Party) does not meet our risk or other qualification requirements; (3) we discover any willful misconduct (including, but not limited to, types of fraudulent activity) on your part or any other party with respect to Electronic Images submitted for deposit by you using our Digital Deposits; (4) you are in default of any terms of this Agreement where such default gives us the right to terminate, immediately or otherwise, or close your Account; (5) you have not used Digital Deposits for a period of time deemed to constitute an inactive service by us (in our sole discretion); or (6) you are in default of any terms of the Agreement or any other agreement with us. 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