Be sure to ask your bank or credit union for this policy. Bank shall not be deemed to have finally received and accepted any Smart Safe deposit until such deposit has been physically verified by Bank or the Smart Safe Vendor at the direction of Bank. In no event shall we be liable to you for any losses arising from currency conversions requested by you and carried out by us within a reasonable time after receiving funds for conversion. World-class service. (2) What are Your Rights Regarding Substitute Checks 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. In accordance with applicable Texas law, funds in abandoned Accounts will be remitted as unclaimed property to the custody of the Texas State Comptrollers Office (or any subsequently applicable state agency), and we will have no further liability to you for such funds. IMPORTANT INFORMATION ABOUT CASH REPORTING REQUIREMENTS FOR BANKS UNDER THE BANK SECRECY ACT. If Digital Deposits are terminated by us, we may accelerate all amounts due and to become due, and you agree to promptly make full payment to us of all amounts due and amounts incurred by you through your use of our Digital Deposits. Possession or consumption of alcohol or illegal drugs is prohibited on the Premises, and smoking, including e-cigarettes and vaporizers, are only allowed on the Premises in specially designated areas. You may have the ability to decline to have the transaction data made available for display and still use the Digital Wallet Service, but you must follow the instructions for doing so in your Digital Wallet. Frost retains historical copies of the Agreement for a period of ten (10) years. Cash your checks quickly and easily at any KeyBank branch or drive-thru. B. Frost is not liable to you for the effects (third party or otherwise) of such termination or suspension. (Payable on Death) Designation If this is the type of Account you have with us, then you and the other parties to the Account own the Account in proportion to each of your net contributions to the Account. (4) How to Notify Us The telephone number and relevant address for notification are as follows: 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 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. Withdrawals can be made for free at a Frost Bank ATM, of which there are over 1,200 in Texas, though the number of withdrawals is limited for some types of accounts. Accordingly, any information you provide to your Digital Wallet provider or another third party through the Digital Wallet Service, or that is collected or accessed by your Digital Wallet provider in the course of your use of a Mobile Card or the Digital Wallet Service, is subject to third-party agreements, and is not governed by Frosts Customer Privacy Statement or this Agreement. You may choose to get this notice only when the payment will differ by more than a certain amount from the previous payment, or when the amount would fall outside certain limits that you set. The rights in this notice do not apply to Original Checks or to electronic funds debits from your Account. Those funds will be available at the time funds from the check we cashed would have been available to you if you had deposited the check. We may send checks to any bank or directly to any non-bank drawee in our customary manner. You understand that information that is provided to or held by your Digital Wallet provider or other third parties in relation to any Digital Wallet is outside the control of Frost. Frost reserves the right to revise these Digital Wallet Service terms at any time, and you are deemed to be aware of and bound by any changes to these terms by your continued access to or use of any Mobile Card and/or the Digital Wallet Service. If you hold an open account of any type with a bank, they will cash a valid check for you. If you select a convenience Account, you own the Account, but your convenience signer is authorized to conduct Account transactions. F. Checking Subaccounts 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. Use of the savings subaccount as a holding account may resume at the beginning of the next statement period. (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. 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. You may not grant a security interest in, transfer, or assign your Account to anyone other than us without our written consent. We may choose, in our sole discretion, to offer interest-bearing Personal Accounts, and interest-bearing Business Accounts (Accounts for sole proprietors, business partnerships, professional associations, limited liability companies, for-profit corporations, non-profit entities and governmental units). As a KeyBank client, check-cashing services are available anytime, without a check-cashing fee. Is there any way that I can avoid having this form completed and the transaction reported to the IRS? (12) Documentation of Transfers (2) Minimum Balance Requirements The Schedule may specify a minimum balance that you are required to maintain in your Account. If your use of a mobile phone, mobile device, tablet, wearable device, or wireless Internet access is not encrypted, then any confidential Account information contained in such wireless or mobile communications can be intercepted without your knowledge or authorization. * Create memos for each transaction. If we require written confirmation and do not receive it, we may remove the stop payment order after fourteen (14) calendar days from the date we requested such written confirmation, and we may honor subsequent ACH transaction debits to the Account. You understand that in all cases, during the reasonable period of time described above, you are solely responsible for safeguarding all items you retain as required or permitted by Digital Deposits from destruction, alteration or theft. Ask about any fees for cashing the check and less expensive options for getting your money. You have even more options for depositing checks, though. 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. Therefore, all Frost Bank customers must abide by the Frost Bank Premises code of conduct stated here. O. F. Business Days means Monday through Friday, excluding federal holidays. You further represent that you do not derive any of your income from entities that are engaged in 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 (including, but not limited to, rental property income). Check Cashing Services at Retail Stores. If you are a business partnership, we may also charge the Personal Accounts of any general partner. On death of the Account owner, ownership of the Account passes as part of the Account owners estate by will or by intestacy. computer hacking, virus attack, or theft or loss of any equipment containing data owned by you), it is your sole responsibility to determine whether you have the obligation, under applicable law, to notify potentially affected individuals whose sensitive PII may have been compromised by the security breach incident. If you have met, in our sole discretion, the conditions we have established for use of Digital Deposits to make deposits via Electronic Images, we will provide Internet access to our computer network and accept for deposit to your Account(s) the Electronic Images of Original Checks for collection as allowed under this Agreement and the Documentation. Frost has the right to employ counsel of Frosts choice to defend and control of any such matter subject to indemnification by you. Dollars, you must advise us at the time of the transaction. 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. We are not required to close your Account at your request if you have pending transactions, the Account is overdrawn or your account is subject to Legal Process (such as garnishment, attachment, execution, levy or similar order). If we Truncate (as defined in Section VII.B. Customer agrees that the findings and records of the Smart Safe Vendor shall be conclusive and binding upon Customer. A pen to endorse the check and fill out the deposit slip if needed. After receiving such an alert, you can either verify the transaction or let us know it is fraudulent. If you lose your debit card, you can always stop into one of Frost Bank's financial centers. Frost Bank recognizes and respects our customers right to privacy and security concerning their financial information. The termination of this Agreement and closing of an Account will not release you from any fees or other obligations incurred prior to the date upon which this Agreement is terminated and the Account closed, any fees assessed by us in the process of closing an Account, or from your responsibility to maintain sufficient funds in your Accounts to cover any outstanding checks or other debit items. Overdraft means any event that results in your Account having a negative Current Balance. Required Disclosures Under Electronic Funds Transfer Act and the Consumer Financial Protection Also, you will not receive either your Original Check or a Substitute Check back from us in your monthly statement since no original or Substitute Check is sent to us for processing. This obligation includes disputes between you and us involving your Account and situations where we become involved in disputes between you and an authorized signer, a joint owner, or a third party claiming an interest in your Account. Your use of the Account after the effective date of the amendment is your consent to the amendment. On the death of the last surviving trustee, the ownership of the Account passes to the beneficiary. If a valid reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods. YOU UNDERSTAND AND AGREE THAT YOU WILL BE RESPONSIBLE FOR MAINTAINING SECURITY AND CONTROL OVER ALL USER IDS AND PASSWORDS PROVIDED BY BANK, AND SHALL USE SECURITY FOR SUCH ITEMS COMPARABLE TO THE SECURITY AND CONTROL YOU WOULD USE FOR CASH, BUT IN NO EVENT LESS THAN REASONABLE SECURITY AND CONTROL IN THE CIRCUMSTANCES. This means that each joint Account Holder, but not a designated agency signer or convenience signer, is fully and personally obligated to Frost Bank under the terms of the Agreement, including liability for Overdrafts and debit balances, irrespective of which joint Account Holder or signatory benefited from the withdrawal. Withdrawals by mail will be posted to your Account as of the day the transaction is processed by us. You understand and acknowledge that third parties, such as your Digital Wallet provider, or card network associations such as Visa, will have access to certain details regarding eligible Payment Card transactions made using the Digital Wallet Service. We may charge you a fee for each stop payment order you give us in accordance with our fee schedule. Frost Bank may also exercise its right to deny entry to the Premises to any Frost Bank customer or other person what is identified as being disruptive or a threat to Frost Bank employees, Frost Bank customers, or others. (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. Proceeding with using the Digital Wallet Service constitutes your assent to and acceptance of the terms and conditions contained herein. Frost Online Banking Services for Personal and Business Accounts Venmo: Best for ATM Access. No Frost Bank customer will interfere with the safe operation of any Premises, and will comply with the instructions of Frost Bank employees, including security personnel. For example, we cannot stop payment on a check we have already cashed or a deposited check where funds have already been withdrawn. In addition, funds you deposit by check may be delayed for a longer period under the following circumstances: We believe a check you deposit will not be paid. Texas roots. If we are not going to make all of the funds from your deposit available on the first Business Day after the day of your deposit, we will notify you at the time you make your deposit. ), or otherwise made available to you. You view exceptions each morning and decide to pay or return the item. And your warranty given above is deemed given to us and any other person, company or bank to which we transfer, present or return the Substitute Check or a paper or electronic representation of the Substitute Check. NetSpend: Best for Prescription Purchases. 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. Funds Availability Policy Disclosure The third arbitrator shall be selected by mutual agreement of the parties. We may accept for deposit checks payable to any signer on your Account when endorsed by any other signer. (iii) Right to Revoke Authorization for Pre-Authorized Transfers You may revoke your authorization for any payee to originate pre-authorized transfers from your Account by giving us written notification. (8) Represented Check Transaction (iii) Periodic Statements You will get a monthly Account statement from us, unless there are no transfers in a particular month. Box 1600, San Antonio, TX 78296, Frost Online Banking users can also report a lost or stolen card online at www.frostbank.com by going to the Frost Online Banking homepage, clicking Account Services and selecting Report a Lost or Stolen Card under Card Management.. 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. Such Electronic Images shall be deemed received by us for deposit based upon time of receipt as well as successful receipt of Electronic Images that are complete, usable, and adhere to the Standards. We use your Available Balance to determine whether we will authorize ATM and one-time debit card transactions at the point of sale. In addition, if we offer interest-bearing Accounts, such Accounts may also be held by a for-profit organization serving in a fiduciary or trustee capacity for a person or an entity that is itself permitted to hold an interest-bearing checking Account, and by an organization that is operated primarily for religious, philanthropic, charitable, educational, or other similar purpose. Note that many banks charge a fee for cashing a check if you aren't an account holder there, like the following: Bank of America, Member FDIC: $8 for checks greater than $50. You acknowledge that the terms of the Texas Uniform Commercial Code Section 4.209 pertain to all encoded items. We will extend this time period if you were not able to make a timely claim because of extraordinary circumstances. The Digital Wallet Service enables you to create virtual representations of your Payment Cards (collectively, Mobile Cards) on an eligible Mobile Device to make: (1) contactless payments at merchants contactless-enabled POS terminals or readers that accept contactless payments using a virtual representation of your Payment Card (in lieu of you presenting your physical Payment Card) and (2) in-app or other digital commerce payments at merchants participating in the Digital Wallet Service. ( as defined in Section VII.B agrees that the terms of the parties even options... You view exceptions each morning and decide to pay or return the item a timely claim because of circumstances! Able to make a timely claim because of extraordinary circumstances and security concerning their financial.... On death of the Account passes to the IRS Business Accounts Venmo: Best for ATM Access our fee.. As of the Account owners estate by will or by intestacy code of conduct here! 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