Q. A. If you get a new Supported Digital Wallet Device, you must delete all your Mobile Cards and other personal information from your prior Supported Digital Wallet Device. Checks or items dated more than six (6) months prior to the date of deposit. On death of the Account owner, ownership of the Account passes as part of the Account owners estate by will or by intestacy. I am a member over 10years. (4) Holds on Other Funds (Other Accounts) (12) Converting Checks To Electronic Debits . . 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. This can be convenient as you can cash your check when you're doing your regular shopping. (3) Certain Direct Deposits We will also pay any fees of the arbitrator and arbitration administrator for the first two days of any hearing. We reserve the right to convert or change your Account type at any time when we consider it appropriate or necessary to do so. 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. C. Average Daily Balance means the application of a periodic rate to the Average Daily Balance in the Account for the period, determined by adding the full amount of principal in the Account for each day of the period and dividing that figure by the number of days in the period. below (Right of Setoff). (2) Final Payment All non-cash items (for example, checks) deposited to your Account are posted provisionally, subject to verification and our receipt of final payment by the payor bank upon which the check is drawn. 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. You agree you are solely responsible for all such fees and agree to comply with such limitations and restrictions. Deposit at an ATM onto a pre-paid card account or checkless . We are not responsible for the exchange rate set by an intermediary or correspondent bank or the receiving bank. We may refuse items for deposit when an endorsement is missing if the payor has required two or more endorsements. If you lose your debit card, you can always stop into one of Frost Bank's financial centers. 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. (2) Minimum Balance Requirements 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. 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. 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. Upon receipt of final payment, the item becomes a collected item. Obtain balance information for your checking or savings Account. You can go directly to your bank and ask for a cash advance. Some banks also have a limit to the amount of money you can deposit in a month, which can range from $2,500 to $50,000. For fixed rate Accounts, we will use the rate in effect for your deposit. As part of our legal compliance and loss prevention program, if at any time we suspect that your Account may be subject to irregular, unauthorized, fraudulent or illegal or unlawful activities, or when we are presented with or have reasonable grounds to anticipate conflicting instructions regarding your Account or a dispute regarding your Account, we may, in our discretion, place a Hold on some or all of the funds in your Account and in other Accounts you maintain with us, without any liability to you, until such time as we are able to complete our investigation of such suspected activities, conflicting instructions or dispute, or interpleader action with regard to the Account and transactions. You agree that we may return a postdated check to the presenter. We establish different categories of withdrawals or other debits as part of our processing practice and generally process withdrawals within each category as described below. The negotiation shall be held within twenty (20) calendar days after such response is received by the Party initially requesting the negotiation; and the Parties must either complete the negotiation or agree that the dispute cannot be resolved through negotiation within thirty (30) calendar days of the first negotiation meeting. Search Frost Bank locations for your personal and business banking, investments and insurance needs. You will have no liability for unauthorized transactions if you notify us within sixty It does offer many benefits, including free access to 1,200 ATMs throughout Texas, free online/mobile banking, and a free Visa checkcard. Bank reserves the right to refuse to provide provisional credit for any Smart Safe deposits at its reasonable discretion. (60) calendar days after the statement showing the transaction has been mailed to you. (ii) Describe the error or the transfer you are unsure about and explain as clearly as you can why you believe it is an error or why you need more information. Use of the savings subaccount as a holding account may resume at the beginning of the next statement period. C. Customer Representations and Agreements; Indemnity. 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. Similar electronic funds transactions made with respect to Business Accounts are governed by the Texas Business and Commerce Code and any applicable federal law, rule, or regulation. can you cash a butterball check at the bank. No assignment will be valid or binding on us, and we will not be considered to have knowledge of it, until we consent and the assignment is noted in our records. The terms of use for your Payment Card which were provided to you when your Payment Card was issued, and as amended from time to time, remain in full force and effect regardless of whether or not you use the Digital Wallet Service. You authorize us to deduct any such loss, costs, or expenses from your Account without prior notice to you or to bill you separately, in our sole discretion. (3) Initial Interest Rate The Initial Interest Rate is the current annual rate of interest that we will pay on the specified balance in your Account. On your death, ownership of the Account passes to the payable-on-death (P.O.D.) beneficiaries you have designated. If you and Bank engage in negotiation but are unable to resolve the dispute through negotiation within the timeframes for negotiation set forth above, then you and Bank agree to submit the dispute to mediation. (5) Stale Checks H. Stop Payment Orders for Checks Required Disclosures Under Electronic Funds Transfer Act and the Consumer Financial Protection Instead, the debiting amount, along with the corresponding check number (if available) will appear under the Other Withdrawals/Debits section of your statement. If we do place a Hold on your Account, we may give notice as required by the laws governing your Account. To do this, the bank or check cashing place will usually ask for at least two forms of picture identification. You agree that, unless a different period is set forth herein, any claim, action, suit or proceeding against Frost for damages resulting in any respect from its acts or omissions in its performance under this Agreement must be brought within two (2) years from the date of Frosts alleged act or omission. 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. Bank of America is the worst place to bank with! 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. (4) Postdated Items You agree that when you write a check you will not date the check in the future. When you open an Account with us, you give us information about yourself, confirm that it is correct, and understand that you have an ongoing obligation to provide us with updated and correct information so long as you maintain your Account with us. 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. No, the IRS does not directly check your bank account. 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. See how easy it is to deposit checks with the Frost App for iPhone and Android devices. P.O. * See running balances, plus view and search . Double . If you have any questions or issues pertaining to any Digital Wallet (other than questions or issues specific to the use of a Mobile Card), you should contact your Digital Wallet provider. 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. The availability of funds for deposits via Digital Deposits is set forth in the Funds Availability Policy Disclosure section of this Agreement. You agree that we may change the fees and charges from time to time and you authorize us to charge your Account for their payment even if the charge results in an Overdraft of your Account. 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. Original Check means the first paper check issued to or endorsed in your favor with respect to a particular payment transaction. 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 Visa transactions, we may impose greater liability, to the extent allowed by law, if we reasonably determine that you were negligent or fraudulent in the handling of your Account or your personal Debit Card. (4) Remotely Created Checks (1) Manner of Withdrawal It is your responsibility to read and understand the third-party agreements before creating, activating, or using a Mobile Card (as that term is defined below) in a Digital Wallet. There are over 130 in the state of . 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. 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. You understand and acknowledge that no court or other judicial body will have any authority to designate or appoint any arbitrator. Required Disclosures Under Electronic Funds Transfer Act and the Consumer Financial Protection Bureaus Regulation E, (1) ATM and Debit Card Transfers and Limitations . 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