This Agreement contains the general terms and conditions governing your deposit Accounts with us. 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 you do not have sufficient available funds to recover a returned item, we may overdraw your Account(s). You agree that you will not allow any Third Party to use our Digital Deposits or to process Electronic Deposits to your Accounts without our prior written consent. (1) Some businesses, including merchants, retailers and billers for services, convert original paper checks that you give them into electronic debits (sometimes referred to as an electronic check) through use of Accounts Receivable Conversion (ARC), Point of Purchase (POP) conversion, or Back Office Conversion (BOC). Related: Best Frost Bank Offers and Promotions. 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. In addition, we may report to the IRS multiple cash transactions which together total more than $10,000 in any one We also reserve the right to require additional information, documentation or actions from you or the agent in accordance with our rights to do so under Texas Estates Code Section 751.201 and Sections 751.203 205 to satisfy any questions or concerns we may have regarding a Power of Attorney submitted to us. (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. Items may be returned as image exchange Items, rather than Substitute Checks. S. Notices Frost Bank has established procedures mandating training and education programs to inform all employees of the need to limit access to customer records and maintain the confidentiality of these records. 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. 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. (e) Multiple-Party Account with Right of Survivorship and P.O.D. This limited right to use such software is revocable at the discretion of Frost. If you are a business partnership, we may also charge the Personal Accounts of any general partner. Bank of America: Bank of America permits checks written by Bank of America customers. Documentation means the online help files or written instructions and materials made available or supplied by Bank that provide the description, methods of operation, and required procedures to engage in Digital Deposits activities. 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. If you have this type of Account, your convenience signer has no ownership of the Account, and may not pledge or otherwise create a security interest in your Account(s). Funds from cash and electronic direct deposits will generally be available on the day we receive the deposit. Upon receipt of any deposit(s), the Smart Safe Vendor will verify currency amounts removed from each of customers Smart Safes. You understand and acknowledge that all of the warranties deemed given by a depositor of a check to a bank under the UCC as applicable from time to time in the State of Texas shall also apply to any Electronic Image of an Original Check, and also apply to any Substitute Check deposited by you (as described in Section IX.A.4. B. Until the Smart Safe Vendor has received and physically verified any Smart Safe deposit, Bank accepts no liability for loss of any Smart Safe deposit(s) or any losses or damages incurred by customer with respect to the Smart Safe deposit(s). Walmart. With the exception of checks and other items where the payor has required two or more endorsements, you authorize us to supply missing endorsements. Notify Us of Inaccurate Information We Report to Consumer Reporting Agencies Walmart will also cash a personal check of up to $200 . Please feel free to call us at 1-800-513-7678. Customer should not insert non-U.S. currency into the Smart Safe as non-U.S. currency will not be processed by the Smart Safe Vendor or Bank. 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. 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. WITH YOUR USE OF DIGITAL DEPOSITS, AND IN ADDITION TO ANYTHING ELSE SET FORTH IN THIS AGREEMENT, YOU ASSUME LIABILITY FOR, AND HEREBY AGREE TO INDEMNIFY, PROTECT AND HOLD HARMLESS BANK AND ITS AGENTS, OFFICERS, DIRECTORS, EMPLOYEES, SUCCESSORS AND ASSIGNS (BANK INDEMNITEES), FROM AND AGAINST ANY AND ALL LIABILITIES, OBLIGATIONS, LOSSES AND EXPENSES, INCLUDING REASONABLE ATTORNEYS FEES, OF ANY KIND OR NATURE (DAMAGES) ARISING OUT OF THE USE OF, CONDITION (INCLUDING LATENT AND DEFECTS AND WHETHER OR NOT DISCOVERABLE BY YOU OR BANK), OPERATION, OWNERSHIP, SELECTION, DELIVERY, INSTALLATION OR LICENSING OF ANY ITEM OF PROCESSING SOFTWARE OR EQUIPMENT. (7) Agents We will tell you the results within three (3) Business Days after completing our investigation. However, by noting the assignment, we do not have any responsibility to assure that the assignment is valid. You further represent that you do not derive any of your income from entities that are engaged in in the production, manufacturing/refinement, distribution or sale of cannabis or cannabis-derived products that are classified as Schedule I drugs under the federal Controlled Substances Act, either directly or indirectly (including, but not limited to, rental property income). (2) Report Lost or Stolen Devices or Payment Cards. Wait for the teller to verify the funds and stamp your check as certified. And because we put people first, you'll get the kind of . We may close your Account (other than a CD) at any time for any reason or no reason. How do I cash a personal check without a bank account? BECAUSE FROST DOES NOT OPERATE OR CONTROL THESE CONNECTIONS, FROST CANNOT GUARANTEE THE PRIVACY OR SECURITY OF THESE DATA TRANSMISSIONS. 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. No assignment will be valid or binding on us, and we will not be considered to have knowledge of it, until we consent and the assignment is noted in our records. The mediation shall occur in the county seat of the Texas county of your permanent residence, or if your permanent residence is outside of the state of Texas or the U.S., then in San Antonio, Texas. We may pay any sum in the Account to a Party, including a Partys Power of Attorney or agent, at any time. These Frost Bank agreements and disclosures contain a description of Frost Banks Security Procedures for online banking activities. Any written notice you give to us regarding your Account, including any problem with your Account, is effective when such notice is actually received by us and we have had a reasonable opportunity to act on it. Frost Bank shall have no liability to you for refusing to accept a Power of Attorney if such refusal is in accordance with Texas Estates Code Section 751.206, and we provide you with the Written Statement of Refusal of Acceptance as required under Texas Estates Code Section 751.207. (8) Signatures 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. (4) Holds on Other Funds (Other Accounts) (3) We will not be liable for any Substitute Check that is altered or any signature that is forged or unauthorized unless you notify us within forty (40) calendar days after we made the statement available to you by mail or made the statement available to you through Online Statement Delivery or pursuant to a Hold Request. If your bank charges a fee, expect to pay between $5 and $15. 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 arbitrators authority is limited to the dispute between you and Frost. A. F. Frost Bank Property, Branch and ATM Code of Conduct All checks and other items physically deposited to your Account should be endorsed payable to the order of Frost Bank for deposit only, followed by your signature and Account number. On your death, ownership of the Account passes as part of your estate by will or by intestacy. F. Checking Subaccounts This can be convenient as you can cash your check when you're doing your regular shopping. Ask about any fees for cashing the check and less expensive options for getting your money. ADDITIONALLY, YOUR SUPPORTED DIGITAL WALLET DEVICES BROWSER IS GENERALLY PRE-CONFIGURED BY YOUR WIRELESS CARRIER. We may refuse to accept any check other than: (i) standard checks provided by us or approved by us in advance; or (ii) Substitute Checks conforming to Check 21 Regulations standards that were created from images of original standard checks provided by us. Furthermore, to the extent there is a conflict between the records of the Bank, the Smart Safe Vendor or customer regarding the Smart Safe deposit, the Banks records shall control. 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. Q. If we do place a Hold on your Account, we may give notice as required by the laws governing your Account. For New Accounts, we may take up to twenty (20) Business Days to credit your Account for the amount you think is in error. With these, you can usually cash checks at any of the bank's branch locations or ATMs. 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. Frost is not liable for any failure or performance of any Digital Wallet or any third partys products or services. You acknowledge that use of an ineligible Mobile Device with the Digital Wallet Service is expressly prohibited, constitutes a breach of these terms and is grounds for Frost to temporarily suspend, permanently terminate, or otherwise deny further access to your Payment Card in the Digital Wallet Service. Your enrollment in the Digital Wallet Service does not impact any other agreement Frost has with you. 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). 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. Arbitration shall occur in the county seat of the Texas county of your permanent residence, or if your permanent residence is outside the State of Texas or the U.S., then in San Antonio, Texas. (4) Changes We have the right to change the rates and fees in accordance with the Schedule. You have overdrawn your Account repeatedly in the last six months. B. Funds Availability Policy Disclosure. Neither Party shall make any objection to a proposed mediator except for good cause shown. In addition, you acknowledge that the Electronic Image of the Original Check submitted to us shall be deemed an item within the meaning of Article 4 of the UCC as adopted in the Texas Business and Commerce Code. You are responsible even if the size or color of the Mark is different from that of any signature previously presented to us. Answer (1 of 5): Where are you trying to cash it. 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. 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. It is important that you understand that breaking transactions into amounts under any reporting amounts, commonly referred to as structuring, is a violation of federal law. We establish different categories of withdrawals or other debits as part of our processing practice and generally process withdrawals within each category as described below. If you claim the right to receive the dollar amount of a lost, stolen or destroyed cashiers check, tellers check or certified check, your and our rights and obligations with respect to such lost, destroyed or stolen item shall be governed by Article 3 of the UCC as adopted in the Texas Business and Commerce Code including, without limitation, Section 3.312 of the Texas Business and Commerce Code. The arbitrator(s) decision, rendered in a reasoned opinion, will be final and binding on the Parties. 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. (Funds Availability Policy Disclosure) apply only to demand deposit checking Accounts. (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. (2) Withdrawal Restrictions and Overdrafts We process Items received by us for settlement each Business Day to determine your Current Balance in the manner described in this section. (3) Your Liability for Unauthorized Transfers We will notify you of any changes as required by law. Non-resident aliens without a Social Security Number are required to provide an official document issued in their country. Any attempt to do so is a violation of the rights of Frost and its Third-Party Licensors. You also might want to bring the following items: Your ATM card, debit card, secured card or prepaid card. In addition, we have the right to destroy your statements if you have not claimed them within sixty (60) calendar days. If you open multiple Accounts, you may receive Schedule information and certain disclosures for each Account, but this Agreement will cover all your Accounts with us. Information Regarding Digital Deposits. The third arbitrator shall be selected by mutual agreement of the parties. (9) Fees (2) General Information on the business day after the day of the deposit, if you deposit the cheque in any other manner (for example, ATM or mobile deposit) if the cheque is for $100 or less, you must receive the entire amount. You will have no liability for unauthorized transactions if you notify us within sixty If a check is sent or returned as an electronic image or as a Substitute Check, it is still considered a check. FOR PERSONAL OR CONFIDENTIAL INFORMATION SENT TO OR FROM FROST OVER THE INTERNET FROM YOUR SUPPORTED DIGITAL WALLET DEVICE, FROST RESERVES THE RIGHT TO LIMIT SUCH CONNECTIONS TO SECURE SESSIONS THAT HAVE BEEN ESTABLISHED USING TRANSPORTATION LAYER SECURITY OR OTHER SECURITY STANDARDS FROST SELECTS. Non-resident aliens without a Social Security Number are required to provide an official document issued in their country. (2) Notice of Receipt (ii) Describe the error or the transfer you are unsure about and explain as clearly as you can why you believe it is an error or why you need more information. A Partys invocation of the dispute resolution provisions under this Agreement will apply without limitation, regardless of whether: (i) your Account is closed; (ii) you pay us in full any outstanding debt you owe; or (iii) you file for bankruptcy. M. Right of Setoff Automated processing means that in almost all cases we will not visually inspect checks to verify signatures or other information. Such Frost Bank authentication procedures include, but are not limited to, use of customer online banking User IDs, passwords and other additional authentication information that Frost Bank may require you to provide, in its sole discretion. Note, however, that you are also responsible for notifying your Digital Wallet provider if your Supported Digital Wallet Device is lost or stolen. Frost is the banking, investments and insurance subsidiary of Cullen/Frost Bankers, Inc. (NYSE: CFR), a financial holding company with $21.8 billion in assets at September 30, 2012. 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. (8) Signatures We have adopted commercially reasonable automated collection and payment procedures for processing checks for collection or payment that are in accordance with procedures commonly used in the financial services industry so that we can process the greatest volume of items at the lowest possible cost to our customers. A. 1. Back to top. The following terms apply to withdrawals from your Account(s): (1) Manner of Withdrawal You may make withdrawals from your Account in any manner that is permitted by us for the type of Account you have. Checks or items that are Remotely Created Checks (as defined in Regulation CC). We will not be liable to you for refusing such a deposit. We may determine the Current Balance in your Account that is used to determine whether or not a transaction is paid or results in an Overdraft at any time between the earlier of: (1) when the withdrawal or debit is presented to us for payment (by electronic or other means) or the time we receive notification that the withdrawal or debit has been deposited for collection at another financial institution; or (2) the deadline for us to take action on the Item. This is called endorsing the check. Daily Balance means the application of a daily periodic rate to the full amount of principal in the Account each day. Fees and Charges Obtain balance information for your checking or savings Account. On death of the Account owner, ownership of the Account passes as part of the Account owners estate by will or by intestacy. You may transfer up to $5,000 per card per day between your Account and other eligible accounts through Account Funding Transactions (AFTs). If we do not have current exchange rates for the particular foreign currency involved, we will use our best efforts to promptly convert the currency through reasonable commercial and/or banking channels, and you agree to pay us a reasonable fee for such services. 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. You agree 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 other custodian with respect to the authority or actions taken by you in handling or dealing with the Account. (8) Our Responsibility for Collecting Deposits (3) If your Account is a Personal Account, then these electronic debit transfers are governed by the Electronic Funds Transfer Act and the Consumer Financial Protection Bureaus Regulation E (Regulation E), and all electronic checks (both debits and credits) are also governed by the Operating Rules and Operating Guidelines of the National Automated Clearing House Association (NACHA) and are also subject to the separate Frost Bank Electronic Funds Transfer Agreement and Disclosure as described in Section X.B. 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. A. If any person notifies us of a dispute, we do not have to decide if the dispute has merit before we take further action. F. Use of Your Mobile Cards (2) Minimum Balance Requirements The Schedule may specify a minimum balance that you are required to maintain in your Account.
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