(2) Longer Delays May Apply In addition, you will not have an ownership interest in the Account. (iii) Health Savings Account We can serve as your custodian for a Health Savings Account. It is possible that the item will be returned unpaid months or longer after we have made the funds available to you and you have withdrawn them. Our acceptance of a stop payment order will not constitute a representation that the electronic funds transfer or ACH Transaction has not already been paid or that we have a reasonable opportunity to act upon the order. Your stop payment order will not be effective if we have already certified, paid or otherwise become responsible for the check. 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 may generally not stop payment on an electronic funds transfer or ACH transaction after acceptance of the item by us, except as specifically allowed under NACHA Rules (defined herein) with regard to ACH transactions. It is important that you understand that attempts to avoid the filing of a CTR by breaking up a transaction into amounts under the reporting amount, behavior commonly referred to as structuring, is a violation of federal law. Once the funds are available, you can withdraw the funds in cash and we will use the funds to pay Items and transactions drawn on your Account. Online. We recommend that you conduct the transaction and provide the Bank with the required information. If the check you are endorsing doesn't have this, be sure to write 'For Mobile Deposit Only' or the version of this statement that your bank requires under your signature.". (1) Endorsements Fee: $3 for checks that are worth up to $1,000 and $6 for checks that are worth $1,000 to $5,000. (2) General Information If you and the Bank are unable to agree upon the appointment of the third arbitrator, your designated arbitrator and Banks designated arbitrator shall jointly select an arbitrator who shall act as the third arbitrator on the panel of three (3). We value your relationship with us and hope that you find these frequently asked questions about cash reporting requirements helpful. For the most current list of Payment Card types that are eligible for the Digital Wallet Service, please visit www.frostbank.com. Get your cash, and put it in a safe place before leaving the bank. Our policy is generally to make funds from your Digital Deposits available to you on the first Business Day after the day we receive your deposit. In order for Frost to authorize your use of your Payment Card within the Digital Wallet Service, your Payment Card must be an eligible Payment Card type, your Payment Card and the underlying Account must be in good standing, and you must not be restricted from using the Digital Wallet Service based upon any limitations imposed by your Digital Wallet provider, your wireless service provider, and/or any third party associated with your Digital Wallet. We are not liable to you for any special, incidental, exemplary, punitive or consequential losses or damages of any kind. The arbitration will be administered either by the American Arbitration Association (AAA) in accordance with its Commercial Arbitration Rules or Consumer Arbitration Rules, as applicable, and the Texas Arbitration Act, or by a like organization selected by the Bank in accordance with such organizations rules for resolution of commercial or consumer disputes, as applicable, and the Texas Arbitration Act. If the business uses POP to take a blank check to initiate an electronic debit at the POS, the business should give you notice of the POP conversion and return the voided check to you. Frost Bank may pay any sum in the Account to a Party, including a Partys Power of Attorney or agent, at any time. C. Mobile Device and Wireless Internet Access, VI.DEPOSIT ACCOUNTS We must hear from you no later than sixty (60) calendar days after we sent you the FIRST statement on which the problem or error appeared. 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. (10) Facsimile Signatures If you use a procedure or mechanism that causes checks to be drawn on your Account(s) (such as, but not limited to: signature stamp; typed signature; facsimile signature; desktop publishing, digitized, or computer software generated signature; notation; or mark or other form of mechanical symbol (collectively, the Mark)) that is not the signature that is on the Signature Card that you signed when you opened your Account, you are adopting such Mark as your signature and authorizing us to pay checks upon which the Mark appears or purports to appear. It is anticipated that the arbitration will take place within ninety (90) calendar days after notice is given. This Agreement contains the general terms and conditions governing your deposit Accounts with us. The ownership of the community property Account during your lifetime and after your death is determined solely by state law and may be affected by a will. 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. In order to satisfy the Acts requirements, we may, and in many cases, must request certain information about the individual presenting the transaction, as well as the organization or individual for whom the transaction is being conducted. (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. FROST RESERVES ALL RIGHTS NOT EXPRESSLY GRANTED TO YOU. T. Unauthorized Transaction means a transaction that was not authorized by you, including, but not limited to, an erroneous or unauthorized debit. Frost Bank will not tolerate violence or threats of violence or physical harm in any of its Premises. Obtain balance information for your checking or savings 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. From a licensed doctor. Member FDIC, III. Some banks will simply convince you to open accounts to avoid a hefty fee-cashing fee. The 615 ATMs at Valero Corner Stores, added to 469 ATMs operated by Frost Bank, will boost Frost's overall ATM network in Texas to 1,084. We may confirm the funds you deposit and, after review, may adjust your Account for any errors including any errors on your deposit slip. Bank shall not be liable to customer as an insurer of such property. Easy breezy payments. Furthermore, you understand and acknowledge that if you do not implement and follow your own commercially reasonable hardware, software, physical access and physical storage Security Procedures regarding any of the data owned by you, which includes such data containing the sensitive personally identifiable information (PII) of any individual, the security of your Digital Deposits and/or the data owned by you (including sensitive PII) may be compromised. Bank service fees and Bank penalty fees are processed within each fee category, from the lowest dollar amount to the highest dollar amount, with Bank service fees processed first. Your rights will terminate automatically without notice from Frost if you fail to comply with these terms or if Frost terminates the use of your Mobile Card or the Digital Wallet Service. These features and procedures are the sole responsibility of your Digital Wallet provider. We will not be liable to you for refusing a deposit, even if it causes outstanding items to be returned. On your death, your ownership of the Account passes to the surviving parties. (13) Re-presented Checks F. Frost Bank Property, Branch and ATM Code of Conduct What information am I required to provide to the Bank to complete a CTR? Q. The Bank has the right to refuse your transaction if you do not want to provide the required information. You must also inform the payee in writing of your revocation. For cash reporting purposes, Frost Bank accepts passports and the Matricula Consular Card. (6) Online Banking, Mobile Banking, and Bill Payment Services Account access and limitations on transfers associated with our Online Banking Services (which include optional Mobile Banking Services) are described in our Frost Online Banking Agreement and Disclosure. A description of the transaction will appear on your statement. (2) Minimum Balance Requirements The Schedule may specify a minimum balance that you are required to maintain in your Account. In fact, the filing of a CTR is a common, routine event. (3) How Do You Make a Claim for a Refund The unauthorized use of your card or PIN could cause you to lose all of your money in your Accounts, plus any amount available under your Overdraft protection if you do not notify us in a timely manner. This Agreement will be binding on your personal representatives, authorized agents, executors, administrators, and successors, and on our successors and assigns. Subject to certain limitations, any Account Holder or Account Holders agent may provide an oral or written stop payment on any check payable from your Account, whether drawn by you or any other Account Holder. You authorize us to disclose information to third parties or our affiliates about you, your Account(s), or transfers you make: Where it is necessary for completing transfers; In order to verify the existence and condition of your Account(s) for a third party, such as a credit bureau or merchant; In order to comply with government agency or court orders, or other applicable law; If you give us your written permission; and. Bottom Line. We may pay any sum in the Account to a Party, including a Partys Power of Attorney or agent, at any time. Account means each and every deposit account that you have established with us, or that we have opened at your direction, whether a Business Account orPersonal Account. If you select a convenience Account, you own the Account, but your convenience signer is authorized to conduct Account transactions. Any request for arbitration must be by written request delivered to the other Party by certified mail. We act only as custodian of the trust funds and we are not acting as a trustee, nor do we need to inquire as to the powers or duties of the trustee(s). Q. When the conversion occurs, we, intermediary or correspondent bank, or the receiving bank, will determine, in such entitys sole discretion, the currency exchange rate. YOU SHOULD CHECK WITH YOUR DIGITAL WALLET PROVIDER AND YOUR WIRELESS CARRIER FOR INFORMATION ABOUT THEIR PRIVACY AND SECURITY PRACTICES. YOUR WILL MAY NOT CONTROL THE DISPOSITION OF FUNDS HELD IN SOME OF THE FOLLOWING ACCOUNTS. You are responsible for the condition of a check or item when you issue it. 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. (1) day. You also can submit deposits for supervisor review on the Frost Remote Deposit Capture desktop system or Frost Commercial Mobile Deposit App before they are transmitted to the bank. (3) Delivery and Receipt of Notices Notices sent or made available to any Account Holder are deemed to be received by all Account Holders. FROST, ON BEHALF OF ITSELF AND FROSTS SUPPLIERS, ALSO DOES NOT WARRANT AGAINST INTERFERENCE WITH YOUR ENJOYMENT OF ANY MOBILE CARD OR THE DIGITAL WALLET SERVICE, OR THAT THE FUNCTIONS CONTAINED IN, OR SERVICES PERFORMED OR PROVIDED BY, A MOBILE CARD OR THE DIGITAL WALLET SERVICE WILL MEET YOUR REQUIREMENTS, THAT THE OPERATION OR AVAILABILITY OF A MOBILE CARD OR THE DIGITAL WALLET SERVICE WILL BE UNINTERRUPTED OR ERROR- FREE, OR THAT DEFECTS IN A MOBILE CARD OR THE DIGITAL WALLET SERVICE WILL BE CORRECTED. Section 408 or Title 26 U.S.C. THESE DISPUTE RESOLUTION PROVISIONS OF THIS AGREEMENT PROVIDE FOR BINDING ARBITRATION OF ALL DISPUTES THAT CANNOT BE RESOLVED BY NEGOTIATION OR MEDIATION. Electronic funds transfers refers to the following activities with respect to a Personal Account: ATM and Debit Card transactions (including POS transactions), direct deposits of payroll checks or government checks, preauthorized withdrawals, other direct deposits, use of our 24-hour automated phone system or use of Frost Online Banking Services. 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. We may accept for deposit checks payable to any signer on your Account when endorsed by any other signer. Frost Brokerage Services, Inc. is a wholly owned subsidiary of Frost Bank. Therefore, all Frost Bank customers must abide by the Frost Bank Premises code of conduct stated here. If you cash out your paper I bonds at a bank, the bank may provide the 1099-INT form. IV. 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. You agree that we shall not have any liability for any breach of any representation, warranty or covenant of this Agreement to the extent caused by: (1) the unavailability of the external connection services and other Internet network functions for Digital Deposits; (2) any use of the Digital Deposits by you in a manner not as set forth in this Agreement or the Documentation, or in a manner for which it was not designed, or in combination with systems, products or components not supplied or approved in writing by us; or (3) your use of Processing Software, equipment or other systems not approved or supplied by us. You agree that our retention of checks does not alter or waive your responsibility to examine your Account statements or change the time limits for notifying us of any errors. A. Walmart is one of the most global and accessible check cashing places on this list. However, there are some exceptions to our liability. Such Original Checks must be securely stored (e.g., in a locked cabinet) to prevent unauthorized access to them until they are destroyed, as provided for below. 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. The Bank must obtain your name, permanent address, Social Security Number, date of birth, as well as the date of transaction, the type and serial number of the instruments sold and the amount of cash involved in the transaction. 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. DIGITAL WALLET SERVICE (Payable on Death) Designation If you have opened this type of Account then you are the sole owner of the Account. (2) If you do not comply with the requirements above, we are not required to reimburse you for any claimed loss, and you cannot bring any legal claim against us in any way related to the Item or errors. We may reverse the refund (including interest on the refund) if we later are able to demonstrate that the Substitute Check was correctly posted to your Account. The legal obligation of a bank is to cash a check that has been sent out within six months; beyond that, there is no reason for the bank to do so. 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). In addition to the information required of you, the Bank must obtain the same information from the person conducting the transaction, except for occupation. 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. Does your employer use positive pay so the issuing bank can know that the check was produced by your employer at the teller line? - Locate 1,700+ Frost ATMs and 150+ financial centers. Strong, robust encryption technologies are used for computer-generated customer data and records. 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). Hand . The availability of funds for deposits via Digital Deposits is set forth in the Funds Availability Policy Disclosure section of this Agreement. You represent that you are an authorized user of the Mobile Device you will use to access the Digital Wallet Service. Walmart. You agree that if we pay the check, the check will be posted to your Account on the date we pay the check, even though the posting date is prior to the date shown on the check. You should read the rest of this Agreement and applicable Schedules for any applicable fees, interests, or other charges associated with your Account. 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 addition, repeated or serious violations of the Frost Bank code of conduct by a Frost Bank customer may result in action against such customer, including, but not limited to, Frost Bank exercising its rights under Section III.D. This includes any losses incurred via natural acts of God, safe robberies, fire etc. C. Average Daily Balance means the application of a periodic rate to the Average Daily Balance in the Account for the period, determined by adding the full amount of principal in the Account for each day of the period and dividing that figure by the number of days in the period. We will mail notice to you at least twenty one (21) calendar days before the effective date of any change, as required by law. The amount of our loss which we may recover from you may be limited under the Check 21 Regulations. 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. B. 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. For a fee starting at $3 you can cash your government, payroll, dividend, insurance and Western Union Money Orders that are purchased at H-E-B. An Electronic Image may not be completely received even if successfully captured initially via scanner or mobile device until the Frost Bank internal Electronic Image verification process is complete, which can take from 24 48 hours. Neither Party shall make any objection to a proposed mediator except for good cause shown. This Agreement will control any conflicts between its procedures and this Agreement. The customer authorizes Bank to make such adjustments by credit or debit transaction to customers Account(s), electronically or otherwise. Your use of the Account after the effective date of the amendment is your consent to the amendment. The interest rate and annual percentage yield may change at any time at our discretion. The arbitrator(s) shall in no event, have any power or authority to consolidate claims asserted by different claimants or counter-claimants, adjudicate any claims presented to them on a class wide basis, treat any claimant or counter-claimant as a representative of a class of claimants or counter-claimants, or award any relief on a class-wide basis. If you make a deposit, we may provide a receipt. 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. In receiving checks from you for withdrawal or deposit, we act only as your agent. If you fail to destroy the Original Check within thirty-one (31) calendar days following the date of deposit, you agree you are responsible for any losses arising from the loss, theft or misuse of any Original Check. (b) Limitations there are no limitations on the number or dollar amount of transfers you may make per day. To do this, the bank or check cashing place will usually ask for at least two forms of picture identification. First Business Day after day of approval. We reserve the right to refuse the acceptance of any particular transfer for any reason. (11) Preauthorized Drafts (1) Manner of Withdrawal The site you are about to enter may be less secure and may have a privacy statement that differs from Frost. Head to the bank. (Federal regulations require us to retain the right to require all savings and all NOW Account Holders to give seven (7) days written notice before making a withdrawal.) 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. 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. Or, deposit your checks at KeyBank ATMs or in the app with mobile check deposit. 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. Electronic Funds Transfers Generally You also might want to bring the following items: Your ATM card, debit card, secured card or prepaid card. If a check is sent or returned as an electronic image or as a Substitute Check, it is still considered a check. (9) Multiple Signatures We are not required to monitor or enforce any multiple- signature requirement, even if your Signature Card specifies that multiple signatures are required or you have otherwise instructed us to do so. Wire Transfers and Automated Clearing House (ACH) Transactions Q. A. Debit Card Services (Including Health Savings Account Debit Cards) You have even more options for depositing checks, though. Yes, you can deposit checks at an ATM, and the process for depositing checks follows the same steps as the process for depositing cash. 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. (3) Certain Direct Deposits If we offer direct deposit services for automatic preauthorized deposits to your Account of Social Security payments or automatic transfers from your other Accounts with us, you must notify us at least thirty (30) calendar days prior to the next scheduled direct deposit or preauthorized transfer if you wish to cancel the direct deposit or transfer service. Frost does not own, operate, or control any Digital Wallet and is not responsible for any service provided to you by your Digital Wallet provider or by any third party engaged by your Digital Wallet provider. 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