(6) Online Banking, Mobile Banking, and Bill Payment Services (3) Holds on Other Funds (Check Cashing) 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 This applies at the time of Account opening and at all times thereafter. and even recommend an amount for you to put on ice - without breaking the bank! However, we are not liable to you for any special, incidental, exemplary, punitive or consequential losses or damages of any kind. Easy breezy payments. However, under Article XVI, Section 50(a)(6)(H) of the Texas Constitution, we may not setoff against any of your Accounts for a liability arising from a home equity loan secured by Texas Homestead Property. We will mail notice to you at least twenty one (21) calendar days before the effective date of any change, as required by law. You agree to retrieve and produce for us the Original Check in question within seventy-two (72) hours of a written request by us. Frost Bank reserves the right to inquire about any deposits made, withdrawals from, or other disposition of funds or Account transactions or activity, regarding any or all of your Frost Bank Accounts, including, but not limited to, the right to contact you directly regarding any Account activities. To endorse the check, sign your name on the blank line located on the back of the check. For New Accounts, we may take up to twenty (20) Business Days to credit your Account for the amount you think is in error. (2) Multiple-Party Accounts A description of why you have suffered a loss (for example, you think the amount withdrawn was incorrect); An estimate of the amount of your loss; An explanation of why the Substitute Check you received is insufficient to confirm that you suffered a loss; and. (8) Signatures (7) Agents Statements (and any accompanying items) shall be deemed made available to you by mail on the third (3rd) Business Day after the date when we mailed the statement to your statement mailing address, and statements shall be deemed made available to you through Online Statement Delivery (if applicable) on the date when the statement is posted in Online Banking. The Personal Checking account requires $25 to open and earns interest on balances higher than $5,000. In the absence of retaining the relevant Original Check, you understand and agree you shall be solely responsible for the cost of any claim brought by the drawer of the check that for resolution would reasonably require access to relevant Original Check and shall indemnify us in accordance with the terms of the Digital Deposits Indemnity as set forth below. How to Avoid the Monthly Service Charge. (10) Stop Payments on ATM, POS, or Debit Card Transactions . Documentation means the online help files or written instructions and materials made available or supplied by Bank that provide the description, methods of operation, and required procedures to engage in Digital Deposits activities. 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. In this Agreement, each and all of the depositors may be referred to as you, your, Account Holder or customer. Frost Bank may also be referred to as Frost, Bank, we, our, and us. Party refers to either you, your agent under any Power of Attorney, or Frost, as the case may be, and Parties refers collectively to both you, your agent(s) under any Power of Attorney, and Frost. If we determine, in our sole discretion based on information provided when the withdrawal or debit is presented to us for payment, that the Item is being represented for payment (meaning it was previously presented for payment and returned unpaid), we will not charge you an additional fee if your Current Balance is less than the amount needed to pay the Item, and we return it due to non-sufficient funds. (2) Notice of Receipt We will notify you of the receipt of payments in the periodic Account statements we provide to you. You must cooperate with Frost in any investigation and use any fraud prevention or other related measures Frost prescribes. Checks or items prohibited by Banks current Documentation relating to Digital Deposits, or checks or items which are otherwise not acceptable under the terms of your Account(s). (i) ATM and Debit Card Fees For information regarding our fees applicable to the use of your card, see our current Schedule. You should read the rest of this Agreement and applicable Schedules for any applicable fees, interests, or other charges associated with your Account. With second-party checking services, a percentage of the amount redeemed (1-3%) can be deducted to complete the credit check. Look at a check-cashing . (iii) Periodic Statements You will get a monthly Account statement from us, unless there are no transfers in a particular month. (15) Check Legends We may disregard information on any check or item other than the signature of the drawer, the identification of the drawee financial institution and payee, the amount, the endorsements, and any other information that appears on the MICR line. 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.. Member FDIC, III. Unlike cash, which can only be deposited in a branch or at an ATM, checks can often be deposited through a bank or credit union's mobile app. In order to utilize the Smart Safe Services, customer must contract with a Bank-approved third party service provider (the Smart Safe Vendor) for currency removal, validation and transportation services. This is required to use any ATM for any purpose. C. Representations and Agreements; Indemnity These three companies offer online check cashing services on checks between $5 and $5,000. C. Customer Representations and Agreements; Indemnity. Items may be returned as image exchange Items, rather than Substitute Checks. 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. You acknowledge that you are solely responsible for the adequacy of systems and software utilized by you to process banking transactions and the ability of such systems and software to do so accurately. We will not be liable to you for refusing such a deposit. (1) Notice of Amendments You agree that from time to time we may amend the terms and conditions of this Agreement, including without limitation all rates, fees, and charges, to the extent permitted by law. 721 Smith Rd. Cash your checks quickly and easily at any KeyBank branch or drive-thru. 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. (8) Our Responsibility for Collecting Deposits 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. You agree to be bound by any payment order for any Wire Transfers or other transfers not governed by the Electronic Funds Transfer Act, whether or not such payment order is authorized, issued in your name and accepted and executed by us in compliance with any commercially reasonable Security Procedures as mutually agreed to by you and us. (1) Manner of Withdrawal Late payments, missed payments or other defaults on your Account may be reflected in your credit report. (4) Changes We have the right to change the rates and fees in accordance with the Schedule. To the extent that any of the defined terms in this Agreement or in the Documentation use a term not defined herein but otherwise defined in Regulation CC, then such definition also incorporates the meaning assigned to the applicable term as set forth in Regulation CC. Once the Account information for a Payment Card has been stored in accordance with the Digital Wallet procedures, it is represented by a Mobile Card within the Digital Wallet function. The arbitration may not be consolidated with any other arbitration proceeding. Obtain balance information for your checking or savings Account. In addition, we may report to the IRS multiple cash transactions which together total more than $10,000 in any one 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. Accordingly, you agree not to attempt to change any Original Check you write or receive into a Substitute Check unless we, in our discretion, have first entered into a separate written agreement with you to permit you to create Substitute Checks that we will honor when deposited into your Account. Regions Bank: 1% of check amount $5 minimum to $20 maximum for checks over $25. SWIFT, the Federal Reserve Wire Network (FedWire) or the Clearing House Interbank Payments System); (2) the settlement currency (unless otherwise instructed by you); (3) intermediary and correspondent banks; and (4) appropriate fee structures in order to facilitate Wire Transfers on your behalf. Either you or Bank may terminate Digital Deposits, with or without cause, upon thirty (30) calendar days written notice to the other of its intent to do so, sent to you at your statement address and sent to us at the address provided herein. Withdrawal categories are generally processed in the following order: ATM and Debit Card transactions are processed in the order we received them, provided that such ATM or point-of-sale terminal or network is properly operating. We will notify you of amendments as required by law. Write the numeric value of the check in the box with a dollar sign (e.g., "19.99). (iii) Tell us the dollar amount of the suspected error. Therefore, all Frost Bank customers must abide by the Frost Bank Premises code of conduct stated here. You agree not to use Wire Transfers or the ACH system to conduct any transaction in violation of federal or state law. It does not include transactions you may have initiated that have not yet cleared, such as debit card transactions that were authorized but not yet presented for payment or checks you may have written but have not yet been presented to Frost for payment. Non-resident aliens without a Social Security Number are required to provide an official document issued in their country. Generally, everyone whose name is on a joint account can write checks, withdraw money, and make transactions. If you deposit checks totaling more than $200, you can access $200 the next business day, and the rest of the money the second business day. You should send your written notice describing the specific inaccuracy(ies) to Frost Bank, P.O. Frost Bank recognizes and respects our customers right to privacy and security concerning their financial information. Lodefast: Best for Akimbo Card Carriers. 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. You have the right, at your own expense, to employ separate counsel to participate in such matter on a non-controlling basis. The arbitrator(s) will decide the dispute in accordance with applicable Texas law, including recognized principles of equity and statutes of limitations, statutes of repose and conditions precedent to suit, and will honor all claims of privilege recognized by law. (3) Additional Account Types In person. IV. Furthermore, you understand and acknowledge that if you do not implement and follow your own commercially reasonable hardware, software, physical access and physical storage Security Procedures regarding any of the data owned by you, which includes such data containing the sensitive personally identifiable information (PII) of any individual, the security of your Digital Deposits and/or the data owned by you (including sensitive PII) may be compromised. Federal law requires all banks to obtain certain information on all cash sales of monetary instruments between $3,000 and $10,000. We reserve the right to refuse the acceptance of any particular transfer for any reason. We require you to provide the date of the check, the exact amount, the check number (or range of checks), and the name of the payee for all stop payment orders. You represent that you are not engaged in the production, manufacturing/refinement, distribution or sale of cannabis or cannabis-derived products that are classified as Schedule I drugs under the federal Controlled Substances Act either directly or indirectly. You agree that Frost may also collect and use technical data and related information, including, but not limited to, technical information about your Supported Digital Wallet Device, gathered periodically to facilitate the updates to Frosts services. (FRAUD AND LOSS PREVENTION; LEGAL PROCESS; LEGAL COMPLIANCE; RESERVATION OF RIGHTS) OF THIS AGREEMENT, INCLUDING, BUT NOT LIMITED TO, INTERPLEADER ACTIONS). The losses you may attempt to recover under this procedure may include the amount that was withdrawn from your Account and fees that were charged as a result of the withdrawal (for example, non-sufficient funds fees). And there are plenty of other options available as well, including check . (3) Certain Direct Deposits If we offer direct deposit services for automatic preauthorized deposits to your Account of Social Security payments or automatic transfers from your other Accounts with us, you must notify us at least thirty (30) calendar days prior to the next scheduled direct deposit or preauthorized transfer if you wish to cancel the direct deposit or transfer service. The availability of funds for deposits via Digital Deposits is set forth in the Funds Availability Policy Disclosure section of this Agreement. (3) Delivery and Receipt of Notices, VII. Answer (1 of 5): Where are you trying to cash it. The resulting fee transaction if debited as an electronic funds transfer from a consumer Account is covered by the Electronic Funds Transfer Act and the Electronic Funds Transfer disclosure contained in this Section X.B. YOU UNDERSTAND AND EXPRESSLY ACKNOWLEDGE AND AGREE THAT, TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, WE SHALL NOT BE LIABLE FOR ANY CONSEQUENTIAL, INCIDENTAL, INDIRECT, EXEMPLARY, SPECIAL OR PUNITIVE DAMAGES (INCLUDING, WITHOUT LIMITATION, LOSS OF REVENUE OR ANTICIPATED PROFITS) OR FOR ANY INDIRECT LOSS THAT YOU MAY INCUR OR SUFFER IN CONNECTION YOUR USE OF DIGITAL DEPOSITS OR OUR TERMINATING YOUR DIGITAL DEPOSITS SERVICES IN ACCORDANCE WITH THIS AGREEMENT. the sender of the ACH debit transaction), but this may stop all ACH items from this sender. If your account has been compromised, should you decide against closing an Account as required by us, or if you decide not to implement products or services that are designed to deter fraudulent activity after we have required you to implement such products or services, you will be precluded from asserting any claims against us for any fraudulent activity. If you tell us orally or electronically, we may require that you send us your complaint or question in writing within ten (10) Business Days after you initially inform us. Pay the check amount plus the fee to certify the check. Judgment may be entered upon any award in any court having jurisdiction. You will usually need to go to the teller and present your card and ID. Monthly Service Charge. Regardless of whether the check, which bears or purports to bear the Mark was, in fact, authorized by you. Frost has the right to employ counsel of Frosts choice to defend and control of any such matter subject to indemnification by you. Disputes in excess of $100,000 where the AAA or like organization cannot serve shall be decided by a panel of three (3) arbitrators selected in the manner and credentialed in the way described above. (2) Longer Delays May Apply In some cases, we will not make all of the funds that you deposit via Digital Deposits available to you on the first Business Day after the day of your deposit. For example, Chase offers a prepaid card for a monthly fee of around $5. A Substitute Check that you receive is the legal equivalent of an Original Check for all purposes. 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). Federal laws, including the Bank Secrecy Act, require that all banks obtain this information on these types of cash and monetary instrument transactions. Some or all of the checks issued by you for payment, or other checks deposited by you, that you receive from us may be Substitute Checks. You agree that we may return a postdated check to the presenter. Electronic Fraud Protection. 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. End of business day (no earlier than 2pm) No earlier than 12pm (3pm at non-PNC ATMs and 10pm for . (2) A copy of an Original Check means any paper reproduction of an Original Check, including a paper printout of an electronic image of the Original Check, a photocopy of the Original Check, or a Substitute Check. You represent and agree that all information you provide to Frost in connection with the Digital Wallet Service is accurate, current, and complete and that you have the right to provide such information to Frost for the purpose of using the Digital Wallet Service. Processing Software means the software for personal computer or mobile device hosted by the Bank that administers the Digital Deposits process and captures Electronic Images for deposit. You can go directly to your bank and ask for a cash advance. Depending on the type of check that you deposit via Digital Deposits, funds may not be available until the second (2nd) Business Day after the day of your deposit. Use of the savings subaccount as a holding account may resume at the beginning of the next statement period. Electronic Image means a digital or electronic representation of an Original Check that is a Sufficient Copy and meets all of the Standards and is submitted by you to Bank for processing and collection as a Substitute Check. Additional Authentication Information, or AAI is information used in conjunction with various online and mobile banking authentication procedures that we may employ, including, but not limited to, security questions and responses and/or use of other hardware-based and software-based security and authentication tools, programs and procedures. 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 and we agree that upon the election of either of us, any dispute relating in any way to your Account or transactions, or otherwise arising under this Agreement, will be resolved by the dispute resolution procedures described below, which include binding arbitration. You have even more options for depositing checks, though. By selecting a Mobile Card and placing your Supported Digital Wallet Device near a merchants contactless-enabled POS terminal or reader or using that Mobile Card for an in-app purchase, you are authorizing the payment for the merchants products or services with that Mobile Card through the Digital Wallet Service. Such a stop payment request will not apply to any pre-authorized debit card transactions that are already being processed and are pending as of the date of your stop payment instruction, but it will apply to any future recurring pre-authorized debit card transactions. Consider a prepaid card account. All other fees will be allocated according to the arbitration administrators rules and applicable law. (Required Disclosures Under Electronic Funds Transfer Act and the Consumer Financial Protection Bureaus Regulation E). (4) Substitute Checks Deposited by You, X. 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. We reserve the right to refuse any item for deposit into your Account. We may charge your Account a fee for each Legal Process. Frost reserves the right to institute charges for account access or for additional transactions or features in the future, but only after written and/or electronic notification to you in accordance with applicable law. Retailers and Check-Cashing Stores . Insurance. The following terms apply to deposits made to your Account(s): (1) Endorsements 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; however, we may, at our option, require your personal endorsement prior to accepting an item for deposit. If you choose to designate a beneficiary, you must complete a beneficiary designation form at the time you open this Account. 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. (2) Smart Safe Services Smart Safe Services allows a Business Account customer to deposit currency into an electronic smart safe/bill counter (the Smart Safe) and receive provisional credit from the Bank the following Business Day. 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. The Bank is not agreeing to any Security Procedures or other procedure for the detection of errors. NetSpend: Best for Prescription Purchases. (11) Preauthorized Drafts 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. If any Electronic Image is not complete, is not usable, or does not adhere to the Standards, the Electronic Image may not be processed by us, in which event your deposit will be adjusted and notification provided. Bureaus Regulation E To select a convenience Account, you will need to choose the convenience Account option of the Texas Uniform Single- or Multiple-Party Account Selection Form according to Section 113 of the Texas Estates Code. We reserve the right to convert or change your Account type at any time when we consider it appropriate or necessary to do so. The rights in this notice do not apply to Original Checks or to electronic funds debits from your Account. They will generally be available no later than the seventh Business Day after the day of your deposit. 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. If you are a sole proprietor, we may charge any of your Personal or Business Accounts. 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. Such equipment and Processing Software is required to enable you to generate Electronic Images of Original Checks that comply with applicable Standards, as defined below. 1.0% of the check amount ($3 minimum and $25 maximum) M&T Bank. Other Features Include: - Place a temporary freeze on your debit card. (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. If an item to be charged back is lost in the process of collection or unavailable for return, we may rely upon a photocopy of the item or upon any other generally accepted notification of return of the item, in charging you or any of your Accounts for the amount of the returned item. (1) Notice of Amendments If your Account is overdrawn when closed, you agree to pay immediately all amounts you owe to us. We do not make any warranties or representations about the third parties or their products or services. 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. How To Log In To Your Frost Bank Account From a Mobile Phone or Tablet. In that case, your bank account can remain in your name only, but the person you name in your power of . Is there any way that I can avoid having this form completed and the transaction reported to the IRS? (1) Individual Accounts We will not be liable to you for refusing such a deposit. These checks have extra security features . 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. Checks received by us that are drawn against your master account will be presented for payment against the transaction subaccount. (12) Converting Checks To Electronic Debits . If your daily balance is $5,000 or more, the interest rate paid on the entire collected balance in your account will be 0.12%, with an annual percentage yield of 0.12%. Monetary instruments are official checks, cashiers checks, money orders, foreign drafts, travelers checks and certain types of gift cards and other stored value products. We use your Available Balance to determine whether we will authorize ATM and one-time debit card transactions at the point of sale. Neither Party shall make any objection to a proposed mediator except for good cause shown. We may (but are not required to) refuse to accept a check or other item for deposit to your Account if: 1) the check or other item is made payable to someone other than you or a joint Account Holder with you; and 2) the check or other item is not endorsed to you or a joint Account Holder with you. R. Cash Vault Services and Smart Safe Services. (3) Holds on Other Funds (Check Cashing) As part of that commitment, and in addition to optional account activity alerts that Frost provides to you, we also may provide text and email-based fraud alerts to all Frost customers. In an effort to keep you informed of important regulatory policies and requirements, we have compiled a few frequently asked questions regarding cash transactions. (9) Fees AnytimeCheck: Best for Businesses. If you encode information on or with respect to an item after issue, you warrant to us, any subsequent collecting bank, and to the payor bank that the information is correctly encoded. 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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