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. P. Your Responsibilities, IX. It's really easy to cash a check with Ingo Money. M. Item means any check, ACH, funds transfer, teller cash withdrawal, ATM withdrawal, debit card purchase, fee, charge, or other withdrawal, deposit or amount that is added to or subtracted from or otherwise processed against your Account. Funds are available in cash or loaded to your H-E-B Netspend Prepaid VISA Debit Card.No need for a bank account or waiting on funds to be available. FROST, ON BEHALF OF ITSELF AND FROSTS SUPPLIERS, ALSO DOES NOT WARRANT AGAINST INTERFERENCE WITH YOUR ENJOYMENT OF ANY MOBILE CARD OR THE DIGITAL WALLET SERVICE, OR THAT THE FUNCTIONS CONTAINED IN, OR SERVICES PERFORMED OR PROVIDED BY, A MOBILE CARD OR THE DIGITAL WALLET SERVICE WILL MEET YOUR REQUIREMENTS, THAT THE OPERATION OR AVAILABILITY OF A MOBILE CARD OR THE DIGITAL WALLET SERVICE WILL BE UNINTERRUPTED OR ERROR- FREE, OR THAT DEFECTS IN A MOBILE CARD OR THE DIGITAL WALLET SERVICE WILL BE CORRECTED. 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. We may rely on that information until you notify us of a change and we have had a reasonable time to act on the new information. You acknowledge and agree that the classification of a debit card transaction (except ATM transactions) as recurring or non-recurring is determined by merchants, other institutions or other third parties before it is presented to us for authorization or payment and we will treat and process such debit card transactions in the manner they are presented to us, which may result in one-time debit card transactions presented as recurring preauthorized transactions and vice versa. If you have any questions on this or any other regulatory subject, please do not hesitate to call your branch or your banker. 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. Wire Transfers and Automated Clearing House (ACH) Transactions. 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. If your Account is a time deposit, you have agreed to keep the funds on deposit until maturity. (2) General Information We may reverse the refund (including interest on the refund) if we later are able to demonstrate that the Substitute Check was correctly posted to your Account. We may automatically close your Account if the balance is $0 or negative. We may pay any sum in the Account to a Party, including a Partys Power of Attorney or agent, at any time. 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. We use the daily . We may reasonably determine that you were negligent or that you failed to exercise reasonable care, for instance, if you do not promptly report one (1) or more unauthorized transactions to us. 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. Bank shall not be liable to customer as an insurer of such property. A. (Federal regulations require us to retain the right to require all savings and all NOW Account Holders to give seven (7) days written notice before making a withdrawal.) All checks and other items physically deposited to your Account should be endorsed payable to the order of Frost Bank for deposit only, followed by your signature and Account number. 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. C. Customer Representations and Agreements; Indemnity. It might include a missing signature, an unauthorized signature, or an alteration, or be a transaction that was otherwise not authorized by you. Except to the extent expressly provided for in the Check 21 Regulations, in no event will we be liable for special, incidental, exemplary, punitive or consequential losses or damages of any kind. If we Truncate (as defined in Section VII.B. Watch on. End of business day (no earlier than 2pm) No earlier than 12pm (3pm at non-PNC ATMs and 10pm for . Upon receipt of any deposit(s), the Smart Safe Vendor will verify currency amounts removed from each of customers Smart Safes. 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. You might not be able to cash a check at any bank, but you can cash one at most banks and credit unions. However, you should consult your own attorney if you have any questions regarding community property laws and the division of property at the death of either spouse. Frost Bank shall have no liability to you for refusing to accept a Power of Attorney if such refusal is in accordance with Texas Estates Code Section 751.206, and we provide you with the Written Statement of Refusal of Acceptance as required under Texas Estates Code Section 751.207. If you establish a joint Account without the signature of the other joint Account Holder(s), you agree to hold us harmless for our reliance upon your designation of the other joint Account Holder(s) listed on our documents. Q. Some banks and credit unions don't charge a fee for certified checks. 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. 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. H. Current Balance means the amount of funds Frosts records show in your Account, including debits and credits that have posted to your Account to date, minus the amount of any Funds Availability Holds. Available Balance Is the Current Balance in your Account minus (i) debit card, electronic payments or other transactions that we are legally obligated to pay or have already paid (in cash or otherwise), (ii) other pending transactions such as ACH transactions, (iii) any funds that are subject to final payment, and (iv) any Holds on your Account. B. Standards means the applicable standards set forth in CTA, Check 21 or as promulgated by the American National Standards Institute (ANSI) for image quality and transmission protocols, including, but not limited to, ANS X9.13, ANS You may purchase up to $4,500 per card per day at Visa merchants, POS terminals, and by cash advance. G. Interest-Bearing Checking Accounts Your Digital Wallet may also allow you to view recent purchase transactions made by you with your Payment Card. While we may accept non-conforming endorsements, you will be responsible for any loss incurred by us due to the delay in processing or returning the item for payment. In addition, we provide various fraud monitoring products and services that assist in preventing fraudulent activity that we strongly recommend you implement regardless of any suspected irregular or fraudulent activity, and we may also require that you implement specific fraud monitoring products or services in the event that your Account has been compromised due to unauthorized, fraudulent, illegal or unlawful activities. You may place a stop payment on certain future recurring pre-authorized debit card transactions by providing us your debit card number, merchant name, and transaction amount. N. Dormant Accounts Any written notice we give to you regarding your Account statement is effective when it is deposited in the U.S. Mail, postage prepaid and addressed to you at your statement mailing address. Frost is not liable to you for the effects (third party or otherwise) of such termination or suspension. If you conduct a debit card transaction during Stand-In Mode, balance information may not be accurate due to system maintenance. beneficiaries. However, the IRS does receive information about your money movements from banks and other financial institutions. If a valid reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods. If you ask us to follow instructions that we believe might expose us to any claim, liability, or damages, we may refuse to follow your instructions or may require a bond or other protection, including your agreement to indemnify us. Such electronic debits generated by ARC, POP or BOC conversion are separate and distinct from Substitute Checks discussed previously, and are governed by separate laws rules and regulations for electronic debits. (7) Electronic Check Conversion Frost reserves the right to restrict the use of certain Payment Card types within the Digital Wallet Service. With over 5,000 locations, close to 90% of the population in the United States lives within 15 miles of a Walmart. Cash the check at a check-cashing store. You understand that all electronic funds transfers must originate from an Account on which you are an Account Holder. How much do bankers at Frost Bank make? We have the right to advise consumer reporting agencies and other third party reporting agencies of Accounts closed for misuse, such as Overdrafts. You have overdrawn your Account repeatedly in the last six (6) months. Substitute Checks and Your Rights Frost Bank takes measures to ensure that Frost Bank properties, branch locations and ATM locations that are owned and controlled by Frost Bank (the Premises) are safe and secure. (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. 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. D. Beneficial Owner means, as defined in the Title 31 of the Code of Federal Regulations, each individual who, directly or indirectly, holds an ownership interest of twenty five percent or more in a legal entity customer, and any individual who has significant responsibility to control, manage, or direct the legal entity customer. Q. We may amend the Frost Online Banking Agreement and Disclosure from time to time, as set forth therein, and such amendments may not occur at the same time we amend this Agreement. Fees. $10,000 and on cash purchases of monetary instruments in the amounts of $3,000 to $10,000? (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. However, when you cash a check in person, you may be required to show a valid photo I.D. Such Frost Bank authentication procedures include, but are not limited to, use of customer online banking User IDs, passwords and other additional authentication information that Frost Bank may require you to provide, in its sole discretion. FROST RESERVES ALL RIGHTS NOT EXPRESSLY GRANTED TO YOU. Call or write as soon as you can if you think your statement or receipt is wrong, or if you need more information about a transfer listed on the statement or receipt. The stop payment request will be effective if we receive the order at such time and in such manner as to afford us a reasonable opportunity to act upon the stop payment order. Here's how you can get started on the Frost Bank mobile app: Non-resident aliens without a Social Security Number are required to provide an official document issued in their country. This can be convenient as you can cash your check when you're doing your regular shopping. Any person appointed or selected by you and the Bank to serve as an arbitrator must: (i) have ten (10) years or more 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 be a member in good standing of the Texas Academy of Distinguished Neutrals, and (iii) for arbitration administered by the AAA, be listed by AAA on its national roster of arbitrators, or, if administered by a like organization, be listed or approved by such organization. You further agree that we are not responsible for any loss to you in doing so. 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. FROST DOES NOT OPERATE THE DIGITAL WALLET OR SUCH NETWORKS AND HAS NO CONTROL OVER THEIR OPERATIONS. If you have selected Online Statement Delivery as your statement preference, you will receive a notification when your statement is posted. We may deduct these fees and expenses from any of your Accounts without prior notice to you as further described in Section VI.M. For additional information, you can view transaction details by logging into Frost Online Banking Services or you can call the number on the back of your Payment Card to speak to a Frost banker. For fixed rate Accounts, we will use the rate in effect for your deposit. O. Bank employs various security and authentication technologies to ensure that you, your employees, agents or Third Parties (if a Business Account Holder), are communicating directly with the Bank, and also to ensure that your computer or mobile device is communicating with a legitimate Bank computer. Systems and Software AnytimeCheck: Best for Businesses. Such phone calls and text messages may include auto-dialed phone calls and text messages, prerecorded phones calls and text messages, or both. You and any other trustee or person opening the Account, in your individual capacity and jointly and severally, agree to indemnify and hold us harmless from and against any and all loss, costs, damage, liability, or exposure, including reasonable attorneys fees, we may suffer or incur arising out of any action or claim by any beneficiary or other trustee with respect to the authority or actions taken by you in handling or dealing with the Account. The typical Frost Bank Personal Banker salary is $19 per hour. Fill out a deposit slip (if necessary) and sign the slip. We may deduct our fees from your Account(s) or from the amount of the Wire Transfer. Consequently, even if an Electronic Image captured via scanner or mobile device is initially accepted for image quality, the Frost internal verification process may ultimately reject an Electronic Image as not meeting all of our requirements for Digital Deposits. We may pay funds in the Account to the convenience signer or at the convenience signers direction either before we receive notice of your death, or before we receive written notice signed by you that the authority of the convenience signer has been revoked and instructing us to remove the convenience signer from your Account. (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. You authorize us to supply missing endorsements, and you warrant that all endorsements are genuine. Generally, this section of the Agreement governs your election to use eligible debit or credit cards issued by Frost Bank (each, a Payment Card) when you add, attempt to add, or keep a Payment Card in a digital wallet (Digital Wallet or Wallet) on any mobile device that supports the Wallet (the Digital Wallet Service). 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. When you get the form it is up to the bank. We may use subsequent deposits and other credits to your Account to cover any Overdraft amount and any Overdraft fees charged to your Account. If you make a deposit, we may provide a receipt. 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. 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. 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. 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 you make a deposit on a day that is not a Business Day, we will consider the deposit made on the next Business Day we are open. If your spouse predeceases you, or if someone other than your spouse is named as your beneficiary, including your estate, then tax may be due on the balance remaining at your death. 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