The entry for the debit of the funds will appear under the Other Withdrawals/Debits section of your monthly statement. To complete transactions above a certain dollar amount, merchants may require presentation of a physical companion card or a government-issued form of identification for inspection to authenticate your identity. A. These features and procedures are the sole responsibility of your Digital Wallet provider. (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. The attorney, law firm, or any authorized individual on the Account agrees 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 third party with respect to the authority, actions, or inaction taken by the trustee(s) or authorized individuals in handling or dealing with the Account. This is due to a law known as the Bank Secrecy Act, which requires financial institutions to report transactions over a certain amount to the IRS. The arbitration may not be consolidated with any other arbitration proceeding. (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. Cash it at the issuing bank (this is the bank name that is pre-printed on the check) Cash a check at a retailer that cashes checks (discount department store, grocery stores, etc.) The best banks in the U.S. typically offer simple bank accounts with a small minimum opening . Literally. Use of the savings subaccount as a holding account may resume at the beginning of the next statement period. 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 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. 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. We act only as custodian of the trust funds and are not acting as a trustee, nor do we need to inquire as to the powers or duties of the attorney or law firm as trustee(s). If any Electronic Image is not complete, is not usable, or does not adhere to the Standards, the Electronic Image may not be processed by us, in which event your deposit will be adjusted and notification provided. (4) Postdated Items You agree that when you write a check you will not date the check in the future. We are not liable to you if there are insufficient funds in your Account due to a hold or charges related to a returned item. Those time limits are applicable as follows: (1) Unless a longer time period is required by statute or governmental regulation, such as under Regulation E, and the time period may not be modified by agreement, you must notify us in writing within thirty (30) calendar days after we made the statement available to you by mail, through Online Statement Delivery (if applicable) or if you have requested us to hold your Account statements (a Statement Hold Request) if: An Item or other transaction listed is one you did not authorize, is altered, or is fraudulent; A deposit is missing from the Account statement; A Wire Transfer listed is one you did not authorize, is altered, or is fraudulent; Your Account statement contains any errors; or. 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. Or, deposit your checks at KeyBank ATMs or in the app with mobile check deposit. 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). 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. 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. HOWEVER, SUCH INDEMNIFICATION SHALL NOT EXTEND TO ANY DAMAGE OR LOSS DUE TO THE GROSS NEGLIGENCE OR WILLFUL MISCONDUCT OF BANK. The filing of a CTR is a common and routine event for all banks. Q. 12 of the U.S. Code of Federal Regulations, part 229) promulgated to comply with the Check 21 Act, as it may be amended, substituted for, or recodified from time to time, then such term generally shall have the meaning assigned to it in Regulation CC. You agree that Frost will not be liable to you or any third party for any block, suspension, cancellation or termination of your use of any Mobile Card. Underneath the line where you sign the check is a small area for notes. P.O. K. Time Deposits Any receiving financial institution (including us) is entitled to rely on any Account or bank number you have provided even though that Account or bank number may identify a party different from the person or entity you have described by name in any transfer order. We may send checks to any bank or directly to any non-bank drawee in our customary manner. We may close your Account (other than a CD) at any time for any reason or no reason. 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). (11) Confidentiality 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. Double . I. (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. (4) Substitute Checks Deposited by You Should you receive a valid Substitute Check from someone else that has not yet been collected, you may deposit that Substitute Check in the same manner as you would deposit an Original Check you received. Back to top. The Bank reserves the right as encryption technology develops to impose further reasonable requirements to maintain the appropriate level of security for Digital Deposits and transactions contemplated hereunder and you agree to abide by such requirements. If you believe your Debit Card has been lost or stolen, call us at the telephone number listed above or report your Debit Card lost or stolen online at www.frostbank.com by clicking Account Services and then clicking Report a Lost or Stolen Card under Card Management in Frost Online Banking. Once funds are available, you can withdraw the funds in cash and we will use the funds to pay checks that you have written. What information is the Bank required to obtain from me for this type of cash transaction? Second Business Day after approval. (3) Funds Availability Holds on Other Funds (Check Cashing) If we cash a check for you that is drawn on another bank, we may withhold the availability of a corresponding amount of funds that are already in your Account. B. A. There are over 130 in the state of . It's really easy to cash a check with Ingo Money. Just open up the app. * Create memos for each transaction. (4) Funds Availability Holds on Other Funds (Other Accounts) If we accept for deposit a check that is drawn on another bank, we may make funds from the deposit available for withdrawal immediately but delay your availability to withdraw a corresponding amount of funds that you have on deposit in another Account with us. If your bank charges a fee, expect to pay between $5 and $15. (7) Electronic Check Conversion Once either Party has invoked the dispute resolution provisions under this Agreement, the only exceptions to the negotiation, mediation or arbitration of disputes are that: (i) you have the right to pursue a claim in a small claims court instead of arbitration if the claim is within that courts jurisdiction and proceeds on an individual basis; and (ii) we have the right to take any action described in Section III.C. Some of the top banks and credit unions where you can cash third-party checks include the Bank of America, Citibank, HSBC, Chase, M&T, and Chartway Federal Credit Union. 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. If we lose a check, you agree to use reasonable efforts to help us locate or replace the lost check. The Account does not become part of your estate. F. Checking Subaccounts Items may be returned as image exchange Items, rather than Substitute Checks. To be clear, if you want to cash your check and get cold-hard cash in your hand, then you'll need to go to a physical location. Also, if your Account statement shows transfers that you did not make, including those made by card, code or other means, tell us at once. Personal Checking: You can open a Frost checking account with just $25. You must contact us within forty (40) calendar days of the date that we mailed (or otherwise delivered by a means to which you agreed) the Substitute Check in question or the Account statement showing that the Substitute Check was posted to your Account, whichever is later. 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. If you and Bank engage in negotiation but are unable to resolve the dispute through negotiation within the timeframes for negotiation set forth above, then you and Bank agree to submit the dispute to mediation. We are not liable to you for any special, incidental, exemplary, punitive or consequential losses or damages of any kind. If you want to transfer ownership, we may require that you close the Account and open a new Account in the name of the transferee or pledgee. I. 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. sender) and receiver (i.e. (2) General Information These provisions apply to electronic fund transfers involving Personal Accounts. 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. The terms of use for your Payment Card which were provided to you when your Payment Card was issued, and as amended from time to time, remain in full force and effect regardless of whether or not you use the Digital Wallet Service. (1) Endorsements IV. BOC conversion may occur at a retailer who posts notice that your check may be converted to an electronic debit via the retailers back-office processes, and the retailer or merchant may provide you with written notice of these conversion procedures and may, at the retailers discretion, destroy your check. (2) Longer Delays May Apply In some cases, we will not make all of the funds that you deposit by check available to you on the first Business Day after the day of your deposit. No, the IRS does not directly check your bank account. 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. If we do not receive final settlement, you agree that we are entitled to a refund of the amount credited to your Account in connection with such entry, and the party (the originator of the entry) making payment to you by such entry shall not be deemed to have paid you the amount of such entry. ), then the Account Holder must provide us with a copy of the business entitys certificate of incorporation or other comparable organizational document, and evidence to our satisfaction of the authority of the individuals who sign the Signature Card to act on behalf of the Account Holder. 2. Access to individual identifiable records of customers is limited to employees with a valid business reason for such access. Mifflintown, PA 17059. However, you agree that you will not use Digital Deposits to submit any of the following: Checks or items payable to any person or entity other than you/your company. If your Account is overdrawn when closed, you agree to pay immediately all amounts you owe to us. Frost Online Banking Services for Personal and Business Accounts, As part of the Frost Online Banking Services as defined in the Frost Online Banking Agreement and Disclosure for Personal Accounts, and the Business Debit Card Agreement and Disclosure (or other similar agreement) for Business Accounts, you may use your computer or mobile device to obtain Account information, make certain funds transfers, and to arrange for payment of bills. Funds will normally be withdrawn from your Account the next Business Day. 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. We strongly encourage you to review the Security Procedures, requirements and recommended practices. For each checking Account, we establish a master account and two subaccounts. The Carrier must continue to meet our vault location requirements. Customer is to maintain insurance for liability while cash is in the customer premise. 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. If you have cash exceeding $10,000, it is best to conduct the transaction and have the Bank file the required CTR. (vi) Attorney Client Trust (IOLTA) Subject to applicable law, an Attorney Client Trust Account (also referred to as an Interest On Lawyers Trust Account, or IOLTA) is an Account set up by an attorney or law firm to hold client or third-party funds in trust, separate from the attorneys or law firms funds. You view exceptions each morning and decide to pay or return the item. (b) Limitations there are no limitations on the number or dollar amount of transfers you may make per day. In addition, Frost also utilizes certain geo-location fraud prevention services. CTA means the Check Clearing for the 21st Century Act, which became effective October 28, 2004. In addition, if you use wireless Internet access via laptop, personal computer, mobile phone, mobile device, tablet, or wearable device to conduct any online (including mobile) banking activities provided by Frost Bank, please be advised that we strongly encourage you to conduct wireless Internet transactions only over a secured wireless network facility. (7) Electronic Check Conversion You may authorize a merchant or other payee to make payment via a one-time electronic funds transfer from your checking Account using information from your check to: (8) Represented Check Transaction You may authorize a merchant or other payee to electronically collect a fee associated with the re-presentment of a check that is returned due to insufficient or unavailable funds. A business that receives your check by mail or otherwise, and converts it to an electronic debit via ARC, POP or BOC should give you notice of the conversion, and such business has the option to destroy the Original Check. (11) Preauthorized Drafts Section 401, when you reach age 59 1/2 or become disabled; or 5) within an applicable grace period (if any). 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. Texas roots. This allows us to contact you when we identify a potentially fraudulent Debit Card transaction. If we decide to do this, we will credit your Account within ten (10) Business Days for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation. We recommend that you conduct the transaction and provide the Bank with the required information. (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. How do I cash a personal check without a bank account? Cashier's checks are good for large purchases, such as a car or house sale, when you likely can't use a debit or credit card, and using cash is risky. Processing Software means the software for personal computer or mobile device hosted by the Bank that administers the Digital Deposits process and captures Electronic Images for deposit. Schedule refers to any document specifying rates, fees or transaction limits pertaining to the Account in question, including, but not limited to, a Truth in Savings, Time Certificate of Deposit, Confirmation of Time Deposit, or any schedule setting forth Frost fees, limits, or both. - View and zoom, save and print cleared check images. 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. We are not liable to you if these actions cause your Account to be overdrawn and checks or other items are dishonored because of insufficient funds. Check 21 means Regulation CC, Subpart D, promulgated to implement the provisions of the Check Clearing for the 21st Century Act. Your Digital Wallet may provide you with the option and ability to turn off this purchase transaction reporting for each Mobile Card. Judgment may be entered upon any award in any court having jurisdiction. You understand that we may receive compensation in connection with such conversion. Any physical or verbal behavior that endangers or harms Frost Bank employees, other Frost Bank customers, or other visitors to the Premises constitutes a threat and Frost Bank may, in its discretion, remove the offending Frost Bank customer from the Premises, or may take other actions within Frost Banks rights, including prosecution. When you get the form it is up to the bank. 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. the sender of the ACH debit transaction), but this may stop all ACH items from this sender. (3) Your Liability for Unauthorized Transfers What information am I required to provide to the Bank to complete a CTR? D. Limitation on Liability For cash reporting purposes, Frost Bank accepts passports and the Matricula Consular Card. Although we usually pay withdrawals or checks without notice on your Account, doing so does not mean that we give up our right to require you to provide such prior written notice. Cash Vault Services allows such customer to place coin orders for coin and currency and schedule delivery and pick up. If we suspect that your Account has been subject to irregular, unauthorized, fraudulent, illegal or unlawful activities, and we notify you regarding such activity, it is strongly advised that you close the affected Account and open a new Account. In addition, we are not responsible to take action on, or otherwise to notify you of restrictive language placed on checks or other items, including, but not limited to, terms such as Void after 90 Days, Paid in Full, Two Signatures Required, Void Over $100 or similar statements. T. Unauthorized Transaction means a transaction that was not authorized by you, including, but not limited to, an erroneous or unauthorized debit. The arbitrators authority is limited to the dispute between you and Frost. Any Frost Bank customer or visitor violating the Premises code of conduct may be asked to immediately cease the conduct in violation of the Frost Bank code of conduct or leave the Premises. We are obligated by federal law to report to applicable government agencies transactions that may be structured with the intent to avoid the reporting requirements, and other transactions that appear to involve illegal activity. Mobile Devices which have been unlocked in an unauthorized fashion (jail-broken) or otherwise modified are not eligible to use the Digital Wallet Service. (1) Cash Vault Services Relationship to Your Digital Wallet Provider. 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. This section pertains to multiple-party Accounts: (i) Joint Account Ownership An Account with two (2) or more Account Holders is a joint (multiple-party) Account. In addition, we may report to the IRS multiple cash transactions which together total more than $10,000 in any one We use your Available Balance to determine whether we will authorize ATM and one-time debit card transactions at the point of sale. 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. 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. (12) Documentation of Transfers Even though the foreign item is returned unpaid, we may charge you for our collection fees and for fees and charges assessed by the paying bank and any agents involved in the collection or settlement process. We may, at our sole discretion, determine: (1) the routing method and settlement systems (e.g. 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 charge any such electronic debit to your Account when we receive it. 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. As part of that commitment, and in addition to optional account activity alerts that Frost provides to you, we also may provide text and email-based fraud alerts to all Frost customers. You deposit checks totaling more than $5,525 on any one (1) day. An uncashed check can be good for a very long time, but it will depend on the type of check and the bank involved. (10) Stop Payments on ATM, POS, or Debit Card Transactions . (2) Final Payment Even if not otherwise required, Frost will reimburse you up to $500 for any initial arbitration filing fees you have paid. 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. You may close your Account by notifying us at any time, except that we may require you to give us seven (7) days advance notice when you intend to close your savings or interest bearing checking Account by withdrawing funds. Daily Balance means the application of a daily periodic rate to the full amount of principal in the Account each day. ADDITIONALLY, YOUR SUPPORTED DIGITAL WALLET DEVICES BROWSER IS GENERALLY PRE-CONFIGURED BY YOUR WIRELESS CARRIER. G. Check or check means any written order to pay a specific amount of money drawn on, payable through or at, or processed by, a bank or other depository institution. IMPORTANT INFORMATION ABOUT CASH REPORTING REQUIREMENTS FOR BANKS UNDER THE BANK SECRECY ACT. 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. Yes. (3) Initial Interest Rate If we are required by state law not to honor a postdated check after advance notice from you, you agree to give us advance notice early enough for us to act on it, to do so in writing, and to specify the date, exact amount, and number of the check, along with the name of the payee. You also agree to promptly file a report with proper law enforcement agencies and otherwise to provide supporting affidavits, evidence and testimony we reasonably request in connection with the alleged error or unauthorized transaction. immediately, if you deposit the cheque in person with a teller or bank employee. A sole proprietorship may open a Single- Party Account and may contain a P.O.D. 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. (3) Foreign Wires You agree that if you request a Wire Transfer in a currency other than U.S. dollars, we will convert such amount at our current exchange rate for the foreign currency you specify. In receiving checks from you for withdrawal or deposit, we act only as your agent. 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. Such negotiation shall be conducted in good faith, and confidential customer information disclosed or discussed in the course of the negotiation shall remain confidential as provided by law. About Frost bank credit card. 721 Smith Rd. A. You may change your phone number by following the steps outlined at www.frostbank.com. In addition to the Security Procedures described in this Agreement, you are solely responsible for maintaining the confidentiality of your Digital Wallet provider User ID, your Digital Wallet provider passwords, your device passwords, and any other means that you may use to securely access the Digital Wallet Service on your Supported Digital Wallet Device.

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