R. Security Procedures means any security processes, controls or authentication methods that the Bank may require for one or more of the products or services that Bank provides under this Agreement or under any other agreement, as amended from time to time, that is applicable to the specific type of Account you have, or specific type of product or service that we offer to you, and which may vary based upon your Account type or the products and services you choose to receive from us. Account Statements Any attempt to do so is a violation of the rights of Frost and its Third-Party Licensors. We will not be liable to you for refusing a deposit, even if it causes outstanding items to be returned. Any action by us for reimbursement from you for any costs or expenses may also be made against your estate, heirs and legal representatives, who shall be liable for any claims made against and expenses incurred by us. If you do not want us to pay a stale-dated check, you must place a stop payment order on it (see Section VI.H. (6) Power of Attorney For purposes of this subsection, the person executing a power of attorney will be referred to as the principal, and the person acting for the principal under the power of attorney will be referred to as the agent. If you desire to grant someone power of attorney over your Account, we ask that you complete a power of attorney form that is legally binding within the State of Texas (Power of Attorney) in accordance with Texas Estates Code Chapter 751. You may transfer up to $5,000 per card per day between your Account and other eligible accounts through Account Funding Transactions (AFTs). In fact, the filing of a CTR is a common, routine event. If you are engaged in any of the activities described above, you must disclose such fact prior to opening your Account with us, and we reserve the right to deny you an Account based on such activity. A Partys invocation of the dispute resolution provisions under this Agreement applies whenever there is a dispute between you and Frost Bank. In that case, your bank account can remain in your name only, but the person you name in your power of . If you have selected Online Statement Delivery as your statement preference, you will receive a notification when your statement is posted. Q. Ingo Money: Most Versatile App. Box 1600, San Antonio, Texas, 78296, Attention: Loan Operations. YOU SHOULD CHECK WITH YOUR DIGITAL WALLET PROVIDER AND YOUR WIRELESS CARRIER FOR INFORMATION ABOUT THEIR PRIVACY AND SECURITY PRACTICES. (2) Account Changes Each Account Holder or person authorized to sign on the Account is required to notify us in writing if any Account Holder or other person authorized to sign on the Account dies or is declared incompetent by a court. If you submit your deposit within the below timeframes: Up to $225 is available: Remaining funds of deposits are available: Monday-Friday, prior to 6 pm ET. ELECTRONIC BANKING SERVICES You further agree that you will retain each Original Check that is Truncated through any Digital Deposits activity for a reasonable period of time, but in no event fewer than ten (10) Business Days from the date of deposit or such longer time as we may request from time to time with respect to any specific Original Check. We may accept any Power of Attorney that we believe was executed by you and may act on instructions we receive under such form. Literally. In addition, you agree to reimburse us for all claims, losses, costs and damages we may incur regarding any Electronic Image, Substitute Checks or IRD deposited by you. Q. You represent that you are the legal owner of the Account(s) and other financial information which may be accessed via the Digital Wallet Service. We will not be liable for the lack of care of any bank we use to collect checks, or for checks lost while being shipped. The federal Bank Secrecy Act (Act) also requires all financial institutions to report cash transactions of more than $10,000 to the Internal Revenue Service (IRS). (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. We are not responsible for the third partys performance or to help resolve any dispute between you and the third party. If you are a Business Account Holder, then in the event of any security breach incident involving any potential or actual unauthorized access or acquisition of data owned by you (e.g. 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. Contractual obligations, such as loans payable to us, are processed in order from the lowest dollar amount to the highest dollar amount. All Substitute Checks deposited via Frost Digital Deposits must be endorsed payable to the order of Mobile Deposit Only, Frost Bank, followed by your signature and Account number. Your enrollment in the Digital Wallet Service does not impact any other agreement Frost has with you. 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. You agree to safeguard your Supported Digital Wallet Device at all times and not leave it unattended. Double . (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 authorize Frost to collect, use and share your information in accordance with the applicable Frost privacy policies, as they may be amended from time to time. No. If you endorse a check outside of these areas, mark or otherwise obscure the other areas or a prior endorsement or make an endorsement that is illegible or incomplete, we may refuse the item or we may accept such nonconforming endorsement and you agree to hold us harmless from any loss, delay, liability, claim or damage which may arise as a result. - Send money to anyone, anywhere in the U.S. and make bill payments on the go. Your Digital Wallet may also allow you to view recent purchase transactions made by you with your Payment Card. Customer hereby agrees to comply with its obligations under the resulting agreement (Vendor Agreement). You agree that you will submit to us for deposit to your Account only Electronic Images that are Sufficient Image Copies of Original Checks for deposit via Digital Deposits. You agree that Electronic Images, as defined below, submitted via Digital Deposits (from either your personal computer or mobile device) are not subject to the funds availability requirements of the Federal Reserve Boards Regulation CC (Regulation CC). You should know that Frost Bank employs various security and authentication technologies to ensure that you (an authorized customer) are communicating directly with Frost Bank. For the avoidance of doubt, any transaction you make with your enrolled Frost Payment Card using the Digital Wallet Service will be considered the same as if you had presented your physical Payment Card in person to conduct the transaction and all applicable fees and interest will apply per the terms of your cardholder agreement with Frost. E. Business Account means any Account that is not used primarily for personal, family or household purposes. F. Business Days means Monday through Friday, excluding federal holidays. Customer agrees that the findings and records of the Smart Safe Vendor shall be conclusive and binding upon Customer. 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. Fees and Charges Investments. No one, including our employees, can guarantee you that a check or other item (particularly one drawn on another financial institution) has been paid or will not be returned. HOWEVER, SUCH INDEMNIFICATION SHALL NOT EXTEND TO ANY DAMAGE OR LOSS DUE TO THE GROSS NEGLIGENCE OR WILLFUL MISCONDUCT OF BANK. (5) Error Resolution Procedures In case of errors or questions about your electronic funds transfers, either call or write to us using our contact information as listed above. If we lose a check, you agree to use reasonable efforts to help us locate or replace the lost check. If you use any Mark, you agree to deliver a sample to us upon our request. (10) Facsimile Signatures You understand that your third-party agreements may, however, contemplate fees, limitations, and restrictions which might affect your use of any of your Mobile Card(s) (such as data usage or text messaging charges imposed on you by your wireless carrier). A. With regard to any international ACH transactions (IAT) received by you, you understand and acknowledge that these types of ACH transactions will be subject to increased scrutiny by Bank of the originator (i.e. The subaccounts will be comprised of a savings account and a transaction account. 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. Even if we choose to pay one (1) or more Overdrafts, we are not obligated to pay any future Overdrafts. You must provide us with the following information: (i) Tell us your name and Account number. Frost retains historical copies of the Agreement for a period of ten (10) years. We are here to answer any questions you may have about this Agreement or about your Frost Bank Account (s). With over 5,000 locations, close to 90% of the population in the United States lives within 15 miles of a Walmart. 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. If funds from a deposit become available and you withdraw funds, that does not mean the check or other item you have deposited is good, has cleared, or has been paid by the paying bank. 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. P. Your Responsibilities, IX. U.S. Bank. A. Our acceptance of any Third Party retained by you based on our qualification criteria is not a representation or warranty by us regarding the fitness of the Third Partys capabilities or financial condition, nor is such acceptance by us an endorsement of any Third Partys ability to perform the Third-Party services for you. (7) Agents Unless explicitly provided for in a Power of Attorney executed by the principal, an agent cannot appoint another agent, including, but not limited to, a convenience signer. 721 Smith Rd. F. Frost Bank Property, Branch and ATM Code of Conduct, IV. We will also pay any fees of the arbitrator and arbitration administrator for the first two days of any hearing. We will not be liable for the dishonor of any Item when the dishonor occurs because we setoff a debt against your Account. Sufficient Copy means: (1) A sufficient copy is a copy of an Original Check that accurately represents all of the information on the front and back of the Original Check as of the time the Original Check was Truncated or is otherwise sufficient to determine whether or not a claim is valid. On your death, your ownership of the Account passes to the surviving parties. (Stop Payment Orders for Checks) and X.B.10 (Stop Payments on ATM, POS or Debit Card Transactions) for more information regarding stop payment orders). Or, deposit your checks at KeyBank ATMs or in the app with mobile check deposit. Several check-cashing stores also offer third-party check . In addition, Frost also utilizes certain geo-location fraud prevention services. 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). The arbitration may not be consolidated with any other arbitration proceeding. Frost is not liable for any failure or performance of any Digital Wallet or any third partys products or services. Your use of the Account after the effective date of the amendment is your consent to the amendment. 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. An uncashed check can be good for a very long time, but it will depend on the type of check and the bank involved. We will generally notify you if we delay your ability to withdraw funds for any of these or other reasons, and we will attempt to tell you when such funds will be available. PayPal: Most Trusted Cash Checking App. I. You must promptly notify us of any change in your address or name. (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 will not be liable to you for any damages you may suffer as a result of your Account being closed or the process that follows the decision to close your Account. The Bank reserves the right to change any or all of the Security Procedures offered and/or used at any time by giving oral or written notice to you. (4) Holds on Other Funds (Other Accounts) (7) Agents We strive to meet the highest legal and ethical standards in the conduct of our business as allowed by law, observing both the letter and the spirit of the regulations surrounding the confidentiality and security of customer information. In order to serve you better, and for quality assurance and other purposes, we reserve the right, but are not obligated to, record any customer service or other telephone calls between you and the Bank, and you consent to any recording. If you will need the funds from a deposit via Digital Deposits, you should contact us to inquire when the funds will be available. 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. Stop payment orders are in effect for six (6) months and will automatically expire at the end of six (6) months from the date of the stop payment order, and you must ask us to renew any stop payment order that has expired. You represent that you are not engaged in the production, manufacturing/refinement, distribution or sale of industrial hemp or industrial hemp-derived products (such as products containing CBD oil) that are not classified as Schedule I drugs under the federal Controlled Substances Act. By entering into this Agreement and providing Frost with your valid mobile number (whether or not you have indicated to Frost it is a mobile number) and valid email address that Frost keeps on record for you, you understand and agree that Frost or Frosts third-party service provider will send such fraud alert messages to both your current mobile phone number (via text message) and current email address as part of such fraud prevention service. O. Frost may disqualify a Mobile Card or discontinue providing any services to any individual suspected of violating the terms of this Agreement or the third-party agreements related to your Digital Wallet or the Digital Wallet Service in its sole and absolute discretion. - View and zoom, save and print cleared check images. You expressly acknowledge and agree: (1) our implementation of your Hold Request means any Account statement received and held by us per your Hold Request is deemed delivered to you as of the date the statement is first made available and delivered to the Statement Call division, regardless of when you physically pick up the statement from us; (2) you are solely responsible for reviewing any Account statement(s) for which you have made a Hold Request; and (3) a Hold Request does not delay, postpone or otherwise affect or modify any provisions of this Agreement regarding your responsibilities and relevant deadlines for notifying us of any Account statement irregularities or potentially unauthorized, erroneous or fraudulent transfers, and any time period for any applicable notice deadline begins running when the statement is first made available to you, which, in the case of any Hold Request, is the date the Statement Call division receives the statement. Obtain balance information for your checking or savings Account. Your stop payment order will not be effective if we have already certified, paid or otherwise become responsible for the check. Bank reserves the right to refuse to provide provisional credit for any Smart Safe deposits at its reasonable discretion. You agree to keep your Account information confidential, up to date, and accurate. When a merchant re-presents a check electronically, that transaction is not covered by the Electronic Funds Transfer Act or this Electronic Funds Transfer disclosure. Bank of America: Bank of America permits checks written by Bank of America customers. Frost Bank also employs various security and authentication measures to ensure to you that the device you are connected to for Online or Mobile Banking Services is recognized by Frost. Q. (2) General Information These provisions apply to electronic fund transfers involving Personal Accounts. 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. Frost also cautions you that ANY ATTEMPT BY AN INDIVIDUAL OR ENTITY TO DELIBERATELY INTERFERE, INTERRUPT, MODIFY, AUDIT, ASSESS, RE-ENGINEER, OR DAMAGE ANY ASPECT OF A MOBILE CARD OR THE DIGITAL WALLET SERVICE OR UNDERMINE THE LEGITIMATE OPERATION OF A MOBILE CARD OR THE DIGITAL WALLET SERVICE IS A VIOLATION OF CRIMINAL AND CIVIL LAWS AND FROST RESERVES THE RIGHT TO SEEK DAMAGES AND COSTS (INCLUDING, WITHOUT LIMITATION, ATTORNEYS FEES) FROM ANY INDIVIDUAL OR ENTITY RESPONSIBLE FOR SUCH ATTEMPT TO THE FULLEST EXTENT PERMITTED BY LAW. . We may charge you a fee for each stop payment order. All costs, expenses, and fees with regard to any mediation, except for each Partys attorneys fees, shall be divided equally between you and the Bank, and you and the Bank shall each be solely responsible for payment of each Partys share of such costs, expenses and fees. 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. 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. 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