Further, we are required to attempt to communicate with you only at the most recent address provided to us. ELECTRONIC BANKING SERVICES
We strongly encourage you to review the Security Procedures, requirements and recommended practices. Foreign Bank Check, payable through a US Bank in US dollars. DeluxeXL 6 yr. ago You can mail your check if they don't take remote deposits due to the amount. Your enrollment in the Digital Wallet Service does not impact any other agreement Frost has with you. In addition, you agree that we do not fail to exercise ordinary care in paying an item solely because our procedures do not provide for the sight examination of items with a face amount below an amount determined solely by us from time to time. It is not Frosts responsibility to detect any inconsistency between the Account number you provide and the name. You understand we will process only your Electronic Images that comply with the Standards and are Sufficient Image Copies, and we will use commercially reasonable efforts to present these Sufficient Image Copies for collection under the Check 21 framework. Either you or we may close your CD Account on any maturity date without cause, and we may close your CD Account prior to any maturity date if such CD Account is pledged as loan collateral or as otherwise necessary to satisfy any debt owed to us. 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. (1) Payment of Interest (7) Adjustments and Receipts We may rely on the Account number of any deposit slip or similar record we receive, even if that Account number is associated with a name that is different from the name you have provided. (6) Online Banking, Mobile Banking, and Bill Payment Services 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. (4) Changes 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. Credit Verification and Reporting 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. (7) Adjustments and Receipts 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. 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. (1) Provisional Payment In addition, you must notify us promptly if you do not receive an Account statement. If any problems arise regarding your Account, you agree to provide us with all information necessary for us to investigate the alleged error or unauthorized transaction. The mediation itself as well as the outcome of mediation shall be kept strictly confidential. Any written notice you give to us regarding your Account statement, or a problem with your Account statement, is effective when it is actually received by us and we have had a reasonable opportunity to act on it. 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. (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. (iv) Business Accounts If the Account is a Business Account (for example, it is owned by a corporation, partnership, limited liability company, sole proprietorship, unincorporated association, non-profit entity, etc. Section 401, when you reach age 59 1/2 or become disabled; or 5) within an applicable grace period (if any). 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). Q. Also, you and the Bank agree that the arbitrator(s) do not have authority to render a decision which contains reversible error of Texas or federal law, or to recognize a cause of action or remedy not expressly provided for under existing Texas or federal law. If the request is made less than three (3) Business Days in advance, we must have a reasonable opportunity to act upon the stop payment order. (11) Preauthorized Drafts 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. 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. Your stop payment order will not be effective if we have already certified, paid or otherwise become responsible for the check. fpt engines vs cummins. Should a drawee financial institution return an item to us unpaid, we will charge your respective Account for such returned item and may either: (1) return the item to you; or (2) re-present it to the drawee financial institution before returning it to you. It is your responsibility to read and understand the third-party agreements before creating, activating, or using a Mobile Card (as that term is defined below) in a Digital Wallet. Frost is not responsible for and is unable to disable your Supported Digital Wallet Device or Digital Wallet; Frost can only disable your Payment Card. (8) Signatures A. (5) Stale Checks We reserve the right to pay or dishonor a check more than six (6) months old without prior notice to you. For determining the availability of your deposits, every day is a Business Day, except Saturdays, Sundays, and federal holidays. E. Assignability If you change any phone number you have provided to Frost or any Frost third-party service provider, for any reason, you agree to immediately notify Frost to ensure that the above communications are not interrupted or inadvertently delivered to another recipient who may be reassigned your prior phone number. Once coin and/or currency is picked up by Carrier, the Carrier accepts liability for the Vault Deposit during the transfer from the customers location to the remote cash vault at the designated Carriers location. As is referenced above, the AAA or like organization will be the arbitration administrator. The availability of funds for deposits via Digital Deposits is set forth in the Funds Availability Policy Disclosure section of this Agreement. B. 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. CTA means the Check Clearing for the 21st Century Act, which became effective October 28, 2004. Upon receipt of final payment, the item becomes a collected item. A. Debit Card Services (Including Health Savings Account Debit Cards). I. Clear All Apply. (1) Your Ability to Withdraw Funds We urge you to carefully read the Agreement and keep it for future reference. In addition to the communications you expressly consent to receive under Section IV.C. You agree to indemnify us from all loss, expense and liability related to a claim that such draft or check was not authorized by the persons on whose account it was drawn. If you make deposit via Digital Deposits on a day that is not a Business Day, we will consider such deposit made on the next Business Day we are open. 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. In addition, if you own a Business Account, you acknowledge and agree to your duty to exercise ordinary care in safeguarding such materials with regard to your employees in accordance with the requirements of Texas Business and Commerce Code Sections 3.405, 3.406 and 4A.202. 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. We charge any such electronic debit to your Account when we receive it. I. If you will need the funds from a deposit right away, you should ask us when the funds will be available. A. (2) Report Lost or Stolen Devices or Payment Cards. (60) calendar days after the statement showing the transaction has been mailed to you. Unless otherwise set forth in this Agreement, the Texas Business and Commerce Code shall govern liability for any losses regarding your Business Account. (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. Failure to comply with the requirements above may prohibit you from recovering certain funds that were transmitted electronically, and may also preclude us from being able to return ACH transactions in accordance with NACHA Operating Rules and Operating Guidelines. You authorize us to store and use Signature Card information in any reasonable form we deem necessary, including any digitized signature capture or electronic storage process. 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. 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. The Bank is not agreeing to any Security Procedures or other procedure for the detection of errors. You understand and agree that should you implement the Positive Pay services incorrectly or if you fail to follow the required procedures for the Positive Pay services, you will be precluded from asserting any claims against us for paying any unauthorized, altered, counterfeit or other fraudulent item that the Positive Pay Service is designed to detect or deter, and we will not be required to re-credit your account or otherwise have any liability for paying such items. (Cash consists of currency and coin, both domestic and foreign.). Daily Balance means the application of a daily periodic rate to the full amount of principal in the Account each day. Frost has the right to employ counsel of Frosts choice to defend and control of any such matter subject to indemnification by you. 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. (4) Account Ownership/Accurate Information. Third Parties means with regard to Business Account customers any party whom you hire, employ, or to whom you delegate your duties or responsibilities to administer Digital Deposits. However, we are not liable to you for any special, incidental, exemplary, punitive or consequential losses or damages of any kind. If we refuse a deposit, we may take the check on a collection basis, which means we wont add funds to your Account until we have actually been paid for the check. Yes. Any payment to the convenience signer will not affect your ownership of the Account. As part of our Debit Card Services (as defined in the Frost Personal and Health Savings Account Debit Card Agreement and Disclosure and the Business Debit Card Agreement and Disclosure), Frost Bank utilizes a unique Personal Identification Number (PIN) associated with each card. Your Digital Wallet may also allow you to view recent purchase transactions made by you with your Payment Card. 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. Account statements sent or made available to any Account Holder are deemed to be received by all Account Holders. Insert your debit card in the ATM and wait a second. These provisions do NOT apply to: (i) debits which the Bank is authorized to make from your Account(s) for service charges and other fees; (ii) preauthorized automatic transfers you have instructed Bank to make to another of your Account(s); (iii) payment of any loan that you have with us; and (iv) to certain other types of consumer transactions which are excluded from Regulation E. (3) Your Liability for Unauthorized Transfers Tell us AT ONCE if you believe your Frost Bank Debit Card or similar card, or your Frost Bank User ID, PIN or other device or code which accesses your Account has been lost, stolen or otherwise learned or acquired by an unauthorized person, or if you believe that an electronic funds transfer has been made without your permission using information from your check or otherwise. Its where Frost Banks main administrative headquarters is located. For disputes less than $100,000, a single arbitrator will conduct the arbitration and will use substantive Texas law, the applicable statutes of limitations, statutes of repose, and conditions precedent to suit, and will honor claims of privilege recognized at law. 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). 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). 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. A. ADDITIONALLY, YOUR SUPPORTED DIGITAL WALLET DEVICES BROWSER IS GENERALLY PRE-CONFIGURED BY YOUR WIRELESS CARRIER. 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.
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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. WebHow to deposit money in a PNC Bank ATM using your PNC Debit Card? The Wallet may not be accepted at all places where your Payment Card is accepted. By entering into this Agreement, you understand and agree that Frost may use your unique mobile device ID, IP address for your laptop or desktop computer, your devices location services, and any security tokens or cookies that Frost may place on such mobile or other devices, in order to monitor transaction location and activity for fraud prevention purposes. If the Account is a joint or any other type of multiple-party Account, each joint or multiple-party Account Holder authorizes us to exercise our right of setoff against any and all Accounts of each Account Holder. 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. (ii) ATM Fees Charged by Others If you use an ATM that is not operated by us, you may also be charged a fee by the ATM operator and/or by any automated transfer network used, and you may be charged a fee for a balance inquiry even if you do not complete a funds transfer. With online and mobile banking, you can easily: Pay your bills. 
(ii) Notice of Varying Amounts If these regular payments might vary in amount and/or timing, the person you are going to pay will tell you ten (10) calendar days before each payment is due when it will be made and how much it will be. 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). If we Truncate (as defined in Section VII.B. In addition, Frost also utilizes certain geo-location fraud prevention services. Checks or items drawn on foreign financial institutions or payable other than in United States currency.
We may, at our sole discretion, determine: (1) the routing method and settlement systems (e.g. If the third arbitrator is jointly selected by your and the Banks designees or by the AAA or like organization, that third arbitrator shall have these same industry or legal experience or credentials described above. (1) Individual Accounts Once created, a Mobile Card may work even if you do not have wireless service. If a problem arises with the product or service you purchased through use of the Mobile Card, you first should try to resolve the problem directly with the merchant, but you may also have rights under your card member agreement or otherwise under applicable law. For this reason, by adopting a form of Mark, you agree you shall have the sole responsibility for maintaining security of the Mark and the device by which the Mark is affixed, and you are assuming all risk of loss resulting from the unauthorized use and or forgery of the Mark, and we will not be liable to you if use of the Mark was unauthorized. If final payment is not received or if any item you have deposited or cashed is charged back to us for any reason, you authorize us to charge any of your Accounts, without prior notice and at any time, for the amount of the returned item, our returned item fee, any interest paid on that item, and any other fee we pay or incur, including, if applicable, foreign exchange fees or charges resulting from checks or drafts drawn on foreign banks. (Required Disclosures Under Electronic Funds Transfer Act and the Consumer Financial Protection Bureaus Regulation E). (Payable on Death) Designation If you have opened this type of Account then you are the sole owner of the Account. However, you agree to reimburse us for all claims, costs, losses and damages that we incur in accepting and acting on any Power of Attorney that we believe you executed. 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. 
Once the Smart Safe deposit totals are received by Bank, customers designated Account is provided with provisional credit for the corresponding Smart Safe deposit amount. N. Indemnification It is possible that third parties involved in the negotiation, mediation, and arbitration protocol, such as lawyers, accountants, or contractors, who offer products or services to the public may be Frost customers. You are responsible for the condition of a check or item when you issue it. If you are a Business Account customer, you expressly grant permission for Bank to monitor and record calls made by any of your employees regarding your Account(s). For New Accounts, we may take up to twenty (20) Business Days to credit your Account for the amount you think is in error. Frost Bank San Antonio near me. USE OF A MOBILE CARD INVOLVES THE ELECTRONIC TRANSMISSION OF PERSONAL INFORMATION THROUGH THIRD-PARTY CONNECTIONS. If we decide to close your Account, we may, in our sole discretion, mail you notice of Account closure to your statement mailing address, or send such notice to you via Online Statement Delivery (if you are enrolled in Online Statement Delivery). If you use this procedure with respect to a Personal Account, you may receive up to $2,500 of your refund (plus interest if your Account earns interest) within ten (10) Business Days after we receive your claim and the remainder of your refund (plus interest if your Account earns interest) not later than forty-five (45) calendar days after we receive your claim. The maximum withdrawal limit can vary because it depends on your account and your relationship with U.S. Bank. It is also where the largest number of branches of this bank is located, branches that are open to the public from 9:00 in the morning until 7:00 at night. Interest that has been calculated, but not paid to the Account, is called accrued unpaid interest.. We may also block certain transactions that we suspect are illegal, including, but not limited to, transactions in violation of the Unlawful Internet Gambling Enforcement Act. You agree to hold us harmless for: (1) refusing to honor any check or other item presented to us for payment on a closed Account; (2) refusing to collect any check you have deposited in your Account, to collect any check you have deposited to your closed Account, or to accept any automated deposit or electronic funds transfer to your closed Account; (3) assessing any service charge otherwise applicable against any remaining balance in your Account; and (4) retaining all funds in the Account until we are reasonably satisfied that the time for items to be returned to us has lapsed and that all remaining funds are fully collected. We may close your Account (other than a CD) at any time for any reason or no reason. Our policy is to generally make funds from your check deposits available to you on the first Business Day after the day we receive your deposit. If you win the arbitration, we will reimburse you for any fees you paid to the arbitration administrator and/or arbitrator. $10,000 and on cash purchases of monetary instruments in the amounts of $3,000 to $10,000? Some banks have a limit on the amount of A. Non-resident aliens without a Social Security Number are required to provide an official document issued in their country. With any Account type, each joint Account Holder, designated agency signer (see below for description of Agency Account), convenience signer, and Power of Attorney or agent acting on behalf of a joint Account Holder, without the consent of any other Account Holder or signatory, may, and hereby is authorized by every other joint Account Holder, to make any transaction permitted under the Agreement, including without limitation: to withdraw all or any part of the Account funds; to (except for agency signers and convenience signers) pledge the Account funds as collateral to us for any obligation, whether that of one (1) or more Account Holders or of a third party; to endorse and deposit checks and other items payable to any joint Account Holder; to give stop payment orders on any check or item, whether drawn by that Account Holder or not; and to close the Account, with the disbursement of Account proceeds as instructed by the Account owner or joint Account Holder. On the sixth (6th) transfer from the savings subaccount to the transaction subaccount during a given statement period, all of the funds on deposit in the savings subaccount will be automatically transferred to the transaction subaccount. If you do not accept any revisions made to these terms, your sole and exclusive remedy is to cancel your use of and delete all Mobile Card(s) and to cease using the Digital Wallet Service. Upon either Party sending a written request for negotiation to the other Party, the receiving Party must respond within ten (10) calendar days of receiving such request. We may deduct these fees and expenses from any of your Accounts without prior notice to you as further described in Section VI.M. You agree to pay us for fees and expenses (including administrative expenses) that we incur in responding to any Legal Process related to your Account, such as expenses for research and copying of documents. Some or all of these original paper checks may be replaced with Substitute Checks. Deposit cash and cheques 24/7 with TD Express Deposit In addition, we may also place a Hold on some or all of the funds in your Account, or on particular transactions on your Account, without any liability to you, in accordance with our obligations under Texas Finance Code Chapter 280 (Protection of Vulnerable Adults from Financial Exploitation) to investigate and report suspected incidents of financial exploitation against vulnerable adults as defined under that law, which includes adults who are sixty-five (65) years or older or a person with a disability. (14) Electronic Checks ET or on a weekend or holiday require an additional business day. Check 21 means Regulation CC, Subpart D, promulgated to implement the provisions of the Check Clearing for the 21st Century Act. We have no duty to visually inspect signatures or other information on a check presented for payment, and other than the signature of the drawer, the identification of the payor bank and payee, the amount (numeric over words if contradictory) and any MICR encoded information, we have no duty nor are we bound to look at any other information on the check and can disregard such information in our sole discretion. beneficiaries. Subject to applicable law, we may exercise our right of setoff that we are entitled to exercise under common law, under this Agreement and under statute (see Texas Finance Code Section 34.307), or security interest to recover amounts you owe us from any and all Accounts you maintain with us or with our affiliates before we pay checks or other items drawn on the Account(s), without notice to you, except that this provision does not apply to any IRA Keogh Plan, certain Trust Accounts (but excluding Totten Trust Accounts), or Health Savings Accounts. We will extend this time period if you were not able to make a timely claim because of extraordinary circumstances. However, you have rights under other law with respect to those transactions as described elsewhere in this Agreement. You agree not to misrepresent your identity or your Account information. (2) Smart Safe Services Your Digital Wallet may provide you with the option and ability to turn off this purchase transaction reporting for each Mobile Card. If we believe there is a dispute between joint Account Holders or we receive inconsistent instructions from the Account Holders, we may suspend or close the Account, require a court order to act, and/or require that all joint Account Holders agree in writing to any transaction concerning the Account.