A pen to endorse the check and fill out the deposit slip if needed. You deposit checks totaling more than $5,525 on any one (1) day. Any request for arbitration must be by written request delivered to the other Party by certified mail. In addition to the information required of you, the Bank must obtain the same information from the person conducting the transaction, except for occupation. Be sure to ask your bank or credit union for this policy. 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. Mifflintown, PA 17059. With respect to Wire Transfers or other transfers of funds not governed by the Electronic Funds Transfer Act, you agree to enter into and comply with our Funds Transfer Agreement for Wire Transfers (if applicable) and to comply with this section and any of our Security Procedures designed to verify the authenticity of such Wire Transfers or other transfers. (Substitute Checks Deposited By You) of this Agreement) the same as if such Electronic Image or Substitute Check were a paper check within the meaning of the UCC as adopted in the Texas Business and Commerce Code. IN ADDITION TO LIMITATION OF LIABILITY PROVISIONS CONTAINED ELSEWHERE IN THIS AGREEMENT, AND EXCEPT AS OTHERWISE PROVIDED BY LAW, IN NO EVENT SHALL FROST, ITS DIRECT OR INDIRECT SUBSIDIARIES, AFFILIATES, AGENTS, EMPLOYEES OR REPRESENTATIVES BE LIABLE FOR DEATH, PERSONAL INJURY, PROPERTY DAMAGE, OR ANY INCIDENTAL, SPECIAL, INDIRECT, PUNITIVE, EXEMPLARY OR CONSEQUENTIAL DAMAGES WHATSOEVER, INCLUDING, WITHOUT LIMITATION, DAMAGES FOR LOSS OF PROFITS, LOSS OF OR DAMAGE TO DATA, BUSINESS INTERRUPTION OR ANY OTHER COMMERCIAL OR FINANCIAL DAMAGES, LOST REVENUES, OR OTHER LOSSES OF ANY KIND, ARISING OUT OF THESE TERMS OR IN ANY WAY RELATED TO YOUR USE OR INABILITY TO USE ANY MOBILE CARD, HOWEVER CAUSED, REGARDLESS OF THE THEORY OF LIABILITY (CONTRACT, TORT OR OTHERWISE) AND EVEN IF FROST HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. (2) Exceptions We may let you withdraw money from your Account before the maturity date without an early withdrawal penalty: 1) when one (1) or more owners on the Account dies or is determined legally incompetent by a court or other administrative body of competent jurisdiction; 2) when the Account is an Individual Retirement Account (IRA) established in accordance with Title 26 U.S.C. We reserve the right to refuse any item for deposit into your Account. For stop payment orders on recurring ACH transactions, you can obtain the company name of the payee from your statement by looking at a prior ACH debit from that payee that posted to your Account. Other Features Include: * Send money to anyone, anywhere and make bill payments on the go. A. The mediation shall occur in the county seat of the Texas county of your permanent residence, or if your permanent residence is outside of the state of Texas or the U.S., then in San Antonio, Texas. You acknowledge that use of an ineligible Mobile Device with the Digital Wallet Service is expressly prohibited, constitutes a breach of these terms and is grounds for Frost to temporarily suspend, permanently terminate, or otherwise deny further access to your Payment Card in the Digital Wallet Service. (14) Electronic Checks You may give a merchant information about your checking Account over the phone or over the Internet and authorize them to create an electronic withdrawal from your Account. (2) Smart Safe Services We will not be liable to you for refusing a deposit, even if it causes outstanding items to be returned. (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 can reverse any amount we have added to your Account for a deposited check and send the check on a collection basis even after we have taken physical possession of the check. However, some of these services may not be available at all POS or ATM terminals. Funds Availability Policy Disclosure. We may use funds held in multiple-party Accounts to repay the debts on which any one of you is liable, whether jointly with another or individually. KeyBank. For New Accounts, we may take up to twenty (20) Business Days to credit your Account for the amount you think is in error. can you cash a butterball check at the bank. If Bank approves you to use the Digital Deposits, then by using such services, you agree to the provisions set forth in this Agreement, you agree to pay any fees that Bank may charge in conjunction with such Digital Deposits (as set forth in Banks Fee Schedule) and you understand and agree that the meanings of the defined terms set forth in this Section are applicable both to this Agreement and the Documentation (as defined below) made available to you by us for use with the Digital Deposits. (3) Notice Requirements We retain the right to require you to give at least seven (7) calendar days notice in writing prior to any intended withdrawal from your Account. A. Debit Card Services (Including Health Savings Account Debit Cards) INFORMATION ABOUT YOU AND YOUR ACCOUNT Check 21 means Regulation CC, Subpart D, promulgated to implement the provisions of the Check Clearing for the 21st Century Act. - Create memos for each transaction. Funds from cash and electronic direct deposits will generally be available on the day we receive the deposit. You are responsible for promptly examining your Account statement each statement period, reviewing all transactions deposits/credits, checks paid, and other withdrawals/debits in the Account statement, and reporting any irregularities to us. (Payable on Death) Designation If you have opened this type of Account then you are the sole owner of the Account. We may receive the electronic debit to your Account immediately after the business enters the transaction so you may have a reduced right to stop payment and you may incur an Overdraft if you do not have sufficient funds in your Account to cover the amount of the check at the time you write the check or authorize the transaction. Depending on the type of Digital Deposits you request, and depending on whether you are a Business or Personal Account Holder, you must have specialized equipment and access via the Internet to Banks (or Banks third-party vendors) server-based Processing Software, as defined below, or access via Banks (or Banks third-party vendors) mobile device Processing Software. This provision limits your rights to a jury trial. Driver's licenses and passports are usually the best choices. Check 21 requires that we provide you with the following disclosure entitled Substitute Checks and Your Rights. If you have any questions about this, or anything else relating to Check 21, please give us a call at 1-800-513-7678. You understand that your use of the Digital Wallet Service is subject to the terms and conditions of this Agreement, including this Section VIII. Frost does not own, operate, or control any Digital Wallet and is not responsible for any service provided to you by your Digital Wallet provider or by any third party engaged by your Digital Wallet provider. You must also inform the payee in writing of your revocation. (3) Additional Account Types There is an emergency, such as failure of computer or communications equipment. 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. (8) Our Responsibility for Collecting Deposits Related: Best Frost Bank Offers and Promotions. 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. Interest that has been calculated, but not paid to the Account, is called accrued unpaid interest.. Should you desire to utilize Digital Deposits (Banks remote deposit capture services), you must request such services from Bank either in person, via telephone or via the applicable Internet banking services (e.g. You understand and acknowledge these provisions do not apply to any Business Account. Free for personal checks; $3 for business checks under $100 and $5 for business checks of $100 or more. Regions Bank: 1% of check amount $5 minimum to $20 maximum for checks over $25. What information is required if I send someone else to conduct the transaction for me? You authorize us to disclose information to third parties or our affiliates about you, your Account(s), or transfers you make: Where it is necessary for completing transfers; In order to verify the existence and condition of your Account(s) for a third party, such as a credit bureau or merchant; In order to comply with government agency or court orders, or other applicable law; If you give us your written permission; and. Texas roots. All disputes arising from or related to your Account or this Agreement shall be governed by the substantive laws of the State of Texas (without regard to its conflict of laws principles). Section 408 and the money is paid within seven (7) calendar days after the Account is opened; 3) when the Account is a Keogh Plan, if you forfeit at least the interest earned on the withdrawn funds; 4) if the time deposit is an IRA or Keogh Plan established pursuant to Title 26 U.S.C. 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. You understand and acknowledge that because of the risks involved, we may refuse, in our sole discretion, to provide Digital Deposits to you for any reason in our sole discretion, including if you or the Third Party retained by you does not meet our qualification criteria. ACE Flare: Best Nontraditional Bank Account. The Bank has the right to refuse your transaction if you do not want to provide the required information. 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. Log in to Frost Online Banking and select the "Account Services" tab. If you have made a Statement Hold Request, you acknowledge and agree that we will hold your Account statement(s) rather than mailing them to you. 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. In addition, we may report to the IRS multiple cash transactions which together total more than $10,000 in any one We may pay interest at different rates, depending on the amount deposited and the type of depositor (individual, business, non-profit organization, etc.). In the event that we offer you one (1) of our standard Security Procedures commensurate with the type of Wire Transfer or other transfer you request, and you reject such Security Procedures and instead opt for different Security Procedures, you hereby agree that such Security Procedures are deemed commercially reasonable and you agree you are bound by any such payment order executed pursuant to such Security Procedures you have selected. You deposit checks via Digital Deposits totaling more than any applicable daily dollar amount limit, monthly Item limit or any other limitations on your Digital Deposits that Bank may impose. If you hold an open account of any type with a bank, they will cash a valid check for you. I. The Check Cashing Store: Most Simple App. 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. The interest rate and annual percentage yield may change at any time at our discretion. Note, however, that you are also responsible for notifying your Digital Wallet provider if your Supported Digital Wallet Device is lost or stolen. On the death of the last surviving trustee, the ownership of the Account passes to the beneficiary. Generally 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. Frost reserves the right, for any reason, to discontinue offering or supporting any Mobile Card and/or the Digital Wallet Service. Compounding generally means that interest is being accrued on interest previously earned but not yet paid. You authorize us to request and obtain one (1) or more credit reports about you from one (1) or more credit reporting agencies for the purpose of considering your application for the Account, reviewing or collecting any Account opened for you, or for any other legitimate business purpose. Truncate means to remove an Original Check from the forward collection or return process and send to a recipient, in lieu of such Original Check, a Substitute Check or, by agreement, information relating to the Original Check (including data taken from the MICR line of the Original Check or an Electronic Image of the Original Check), whether with or without the subsequent delivery of the Original Check. Below are definitions of some important terms used throughout this Agreement: A. (Consent to Autodialed and Prerecorded Phone Calls and Text Messages) of this Agreement, you expressly consent to receive phone calls, text messages, push notifications, and emails related to the Digital Wallet Service from Frost and any Frost third-party service provider at any phone number (including any mobile phone number) and email address you have provided to Frost or any Frost third-party service provider. An Electronic Image may not be completely received even if successfully captured initially via scanner or mobile device until the Frost Bank internal Electronic Image verification process is complete, which can take from 24 48 hours. Section 408 or Title 26 U.S.C. No award or relief will be granted by the arbitrator except on behalf of, or against, a named party. Customer is to maintain insurance for liability while cash is in the customer premise. Checks with a value greater than $50 will be charged $8 per check. An uncashed check can be good for a very long time, but it will depend on the type of check and the bank involved. Expected timing for mobile deposits. C. Customer Representations and Agreements; Indemnity. the sender of the ACH debit transaction), but this may stop all ACH items from this sender. 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. Frost Brokerage Services, Inc. is a wholly owned subsidiary of Frost Bank. 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. Upon receipt of final payment, the item becomes a collected item. However, if we do not determine that the withdrawal or debit is a represented Item and we return it due to non-sufficient funds or we pay the Item that results in an Overdraft, you will be charged the corresponding fee. The legal obligation of a bank is to cash a check that has been sent out within six months; beyond that, there is no reason for the bank to do so. By entering into this Agreement, you agree that you are providing your express consent for Frost and any Frost third-party service provider to call you, text message you, or both at any phone number (including any mobile phone number) you provide to Frost or any Frost third-party service provider using auto-dialed phone calls, prerecorded phone calls, or both for any or all of the following reasons: (i) transactional purposes; (ii) informational purposes; (iii) to provide account alerts; (iv) to provide servicing information; (v) fraud prevention purposes; and (vi) any other purposes provided for in this Agreement or in any other applicable Frost agreements, including, but not limited to, Frosts Customer Privacy Statement. However, by noting the assignment, we do not have any responsibility to assure that the assignment is valid. If you will need the funds from a deposit via Digital Deposits, you should contact us to inquire when the funds will be available. The 55-year-old, who is married to former president Nicolas Sarkozy, put on a leggy display as she stepped out at the Saint Laurent show during Paris Fashion Week on Tuesday evening. (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.) J. Ingo Money: Most Versatile App. At the beginning of each statement period, we will allocate funds between the two subaccounts as we deem appropriate. (2) Withdrawal Restrictions and Overdrafts 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. Each renewal of a stop payment order will be treated as a new stop payment order. Subject to certain limitations, any Account Holder or Account Holders agent may provide an oral or written stop payment on any check payable from your Account, whether drawn by you or any other Account Holder. 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. Physical customer records are stored in a secure location and protected by Security Procedures at all times. S. Notices 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. O. (3) If your Account is a Personal Account, then these electronic debit transfers are governed by the Electronic Funds Transfer Act and the Consumer Financial Protection Bureaus Regulation E (Regulation E), and all electronic checks (both debits and credits) are also governed by the Operating Rules and Operating Guidelines of the National Automated Clearing House Association (NACHA) and are also subject to the separate Frost Bank Electronic Funds Transfer Agreement and Disclosure as described in Section X.B. You can get your check sent to your bank, prepaid card, or PayPal account. (6) Power of Attorney USE OF A MOBILE CARD INVOLVES THE ELECTRONIC TRANSMISSION OF PERSONAL INFORMATION THROUGH THIRD-PARTY CONNECTIONS. We reserve the right to verify any transaction carried out by a convenience signer with the owner(s) of the Account. Of Attorney USE of a stop payment order will be granted by the arbitrator on. 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