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. 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. Any payment to the convenience signer will not affect your ownership of the Account. C. Fraud and Loss Prevention; Legal Process; Legal Compliance; Reservation of Rights. (4) Changes A Digital Wallet is a service offered exclusively by your Digital Wallet provider (e.g., Apple, Google, Samsung) using devices deemed eligible by your Digital Wallet provider. If you lose your debit card, you can always stop into one of Frost Bank's financial centers. Limitation of Liability Choose when you want your money, and where you want your money to be deposited. If feasible, any such offending provision shall be deemed to be modified to be within the limits of enforceability or validity; however, if the offending provision cannot be so modified, it shall be stricken and all other provisions of the Agreement in all other respects shall remain valid and enforceable. Depending on the type of check that you deposit via Digital Deposits, funds may not be available until the second (2nd) Business Day after the day of your deposit. Specialties: Banking. CTA means the Check Clearing for the 21st Century Act, which became effective October 28, 2004. If we determine, in our sole discretion based on information provided when the withdrawal or debit is presented to us for payment, that the Item is being represented for payment (meaning it was previously presented for payment and returned unpaid), we will not charge you an additional fee if your Current Balance is less than the amount needed to pay the Item, and we return it due to non-sufficient funds. Stop by your H-E-B Business Center to cash a check or withdraw cash from your debit card! (1) Penalty (2) General Information (10) Stop Payments on ATM, POS, or Debit Card Transactions . Frost retains historical copies of the Agreement for a period of ten (10) years. (3) How Do You Make a Claim for a Refund If you believe that you have suffered a loss relating to a Substitute Check you received and that was posted to your Account, please promptly contact us at 1-800-513-7678 or write to us at Frost Bank, Customer Service, P.O. We may charge your Account a fee for each Legal Process. However, the amount on your deposit receipt is based only on the deposit slip you complete. If you are engaged in any of the activities described above, you must disclose such fact prior to opening your Account with us, and we reserve the right to deny you an Account based on such activity. For fixed rate Accounts, we will use the rate in effect for your deposit. 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. Truncate means to remove an Original Check from the forward collection or return process and send to a recipient, in lieu of such Original Check, a Substitute Check or, by agreement, information relating to the Original Check (including data taken from the MICR line of the Original Check or an Electronic Image of the Original Check), whether with or without the subsequent delivery of the Original Check. C. Mobile Device and Wireless Internet Access, VI.DEPOSIT ACCOUNTS 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. Any permitted assignment of your Account is subject to and superseded by our setoff rights and remains subject to any other right we have under the Agreement and applicable state and federal law. If you enroll in the Digital Wallet Service and your Supported Digital Wallet Device is lost or stolen, or you have reason to believe that your Supported Digital Wallet Device has been compromised, including that of your fingerprint reader, PIN, or other security device, you agree to contact Frost immediately so that Frost can take action to disable your Payment Card for use within the Digital Wallet Service. (12) Converting Checks To Electronic Debits All 155 branches 1,200 frost atms are located at in San Antonio. Does your employer use positive pay so the issuing bank can know that the check was produced by your employer at the teller line? What information is the Bank required to obtain from me for this type of cash transaction? If we ask you to put your complaint or question in writing and we do not receive it within ten (10) Business Days of our request, we may not credit your Account. Pay and get paid from other Frost accounts in seconds using only your phone number, make local transfers instantly . The subaccounts will be comprised of a savings account and a transaction account. In addition, Frost also utilizes certain geo-location fraud prevention services. "This partnership brings together three Texas-based companies--Frost, Cardtronics and Valero--in a move that significantly expands the number of ATMs our customers can use free of charge. 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. We will not be liable, for instance: If, through no fault of ours, you do not have enough money in your Account to make the transfer; If the transfer would go over the credit limit on any Overdraft line associated with your Account; If the ATM where you are making the transfer does not have enough cash; If the ATM, terminal or system was not working properly and you knew about the breakdown when you started the transfer; If circumstances beyond our control (such as power outages, equipment failures, fire or flood) prevent the transfer, despite commercially reasonable precautions that we have taken; If the funds are subject to Legal Process or other encumbrance restricting the transfer; If an Account becomes dormant (in which case we may terminate card or code access to that Account); or. You can get your check sent to your bank, prepaid card, or PayPal account. Proceeding with using the Digital Wallet Service constitutes your assent to and acceptance of the terms and conditions contained herein. 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. You're about to open a third-party website in a separate browser window. 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 are a Business Account Holder and intend to make use of a Third Party to administer your Digital Deposits activities, you agree to notify us in writing, in a form that is acceptable to Bank, of the name of any Third Party whom you hire, employ, or to whom you delegate your duties or responsibilities under the Agreement, before that Third Party initiates any transaction or performs any obligation authorized or required under this Agreement. Frost reserves the right, for any reason, to discontinue offering or supporting any Mobile Card and/or the Digital Wallet Service. Your stop payment order will not be effective if we have already certified, paid or otherwise become responsible for the check. F. Frost Bank Property, Branch and ATM Code of Conduct 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. We may pay the withdrawal and may charge your Account for it. Consequently, even if an Electronic Image captured via scanner or mobile device is initially accepted for image quality, the Frost internal verification process may ultimately reject an Electronic Image as not meeting all of our requirements for Digital Deposits. In addition, if we are presented with or have reasonable grounds to anticipate conflicting instructions regarding your Account, or if we have any reason to believe there is a dispute regarding your Account, such as conflicting instructions concerning funds in your Account or signatory authority to the Account, we may take any action described above or we may, unilaterally and in our sole judgment, place funds in a court (an interpleader action) for resolution. (1) Endorsements A Digital Wallet is a registered trademark of your Digital Wallet provider. The Account statement shall be considered correct for all purposes, and we will not be liable for any payment made and charged to your Account, unless you notify us in writing within certain time limits after the statement is made available to you by mail, sent to you at your statement mailing address, made available to you through Online Statement Delivery (if you are enrolled in Online Banking, your statement is available to you as soon as it is posted, free of charge. A Partys invocation of the dispute resolution provisions under this Agreement applies whenever there is a dispute between you and Frost Bank. 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. INFORMATION ABOUT YOU AND YOUR ACCOUNT. (c) Multiple-Party Account with Right of Survivorship If this is the type of Account you have with us, then you and the other parties to this Account own the Account in proportion to each of your net contributions to the Account. The funds in the other Account would then not be available for withdrawal until the time periods that are described elsewhere in this disclosure for the type of check that you deposited. If your loss exceeds the amount of the Substitute Check, you may be able to recover additional amounts under law. Submit your check for review. 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. (Information Regarding Digital Deposits)) your checks, you understand that neither your Original Checks nor Substitute Checks will be returned with your Account statement. We may amend the Frost Online Banking Agreement and Disclosure from time to time, as set forth therein, and such amendments may not occur at the same time we amend this Agreement. Get your cash, and put it in a safe place before leaving the bank. You may remove one (1) or more of your Mobile Cards from your Digital Wallet at any time by following the instructions in your Digital Wallet or by calling the number on the back of your Payment Card. All other fees will be allocated according to the arbitration administrators rules and applicable law. (2) Smart Safe Services In addition to the communications you expressly consent to receive under Section IV.C. 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. 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. They will generally be available no later than the seventh Business Day after the day of your deposit. Funds that are deposited using Digital Deposits will not be deemed received by us until we have received an Electronic Image that meets all of the requirements for deposits via Digital Deposits (including all requirements to create a Substitute Check) stated in this Agreement and in the Digital Deposits documentation. 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. THIS AGREEMENT TO ARBITRATE ANY AND ALL DISPUTES (WITH THE ABOVE-LISTED EXCEPTIONS) IS ENTERED INTO PURSUANT TO THE TEXAS CIVIL PRACTICE AND REMEDIES CODE, CHAPTER 171, THE TEXAS GENERAL ARBITRATION ACT, AND AS NECESSARY, PURSUANT TO THE FEDERAL ARBITRATION ACT 9 USC, 1-16. To select a convenience Account, you will need to choose the convenience Account option of the Texas Uniform Single- or Multiple-Party Account Selection Form according to Section 113 of the Texas Estates Code. These Frost Bank agreements and disclosures contain a description of Frost Banks Security Procedures for online banking activities. Fill out a deposit slip (if necessary) and sign the slip. (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. For transactions processed through the Visa system (for example, use of your personal Debit Card when no PIN is used), liability limits differ from those set forth above. Mobile Devices which have been unlocked in an unauthorized fashion (jail-broken) or otherwise modified are not eligible to use the Digital Wallet Service. Show valid identification to the teller. 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 will mail notice to you at least twenty one (21) calendar days before the effective date of any change, as required by law. Because of a lack of real-time balance information when in Stand-In Mode, we encourage you to use caution when conducting transactions that may move your Account balance into a negative or overdrawn status, which may cause you to incur an associated Overdraft fee. below (Right of Setoff). A. - Create memos for each transaction. If your account has been compromised, should you decide against closing an Account as required by us, or if you decide not to implement products or services that are designed to deter fraudulent activity after we have required you to implement such products or services, you will be precluded from asserting any claims against us for any fraudulent activity. ATM and Debit Card re-presented transactions and all other transactions for which authorization has already occurred are processed in order from the lowest dollar amount to the highest dollar amount. Check cashing services for payroll checks, government checks, tax checks, and money orders are available at many Walmart stores for a small fee$4 for checks $1,000 or less and $8 for checks higher than $1,000, with a maximum check amount of $5,000. We will not be liable to you for refusing a deposit, even if it causes outstanding items to be returned. Yes. We are not required to determine your Current Balance more than one (1) time during this period. Frost reserves the right to restrict the use of certain Payment Card types within the Digital Wallet Service. (5) Error Resolution Procedures In case of errors or questions about your electronic funds transfers, either call or write to us using our contact information as listed above. A beneficiary may not withdraw funds from the Account before all trustees are deceased. Expected timing for mobile deposits. You understand and acknowledge that no court or other judicial body will have any authority to designate or appoint any arbitrator. The losses you may attempt to recover under this procedure may include the amount that was withdrawn from your Account and fees that were charged as a result of the withdrawal (for example, non-sufficient funds fees). Further, we are required to attempt to communicate with you only at the most recent address provided to us. YOU UNDERSTAND AND EXPRESSLY ACKNOWLEDGE AND AGREE THAT, TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, WE SHALL NOT BE LIABLE FOR ANY CONSEQUENTIAL, INCIDENTAL, INDIRECT, EXEMPLARY, SPECIAL OR PUNITIVE DAMAGES (INCLUDING, WITHOUT LIMITATION, LOSS OF REVENUE OR ANTICIPATED PROFITS) OR FOR ANY INDIRECT LOSS THAT YOU MAY INCUR OR SUFFER IN CONNECTION YOUR USE OF DIGITAL DEPOSITS OR OUR TERMINATING YOUR DIGITAL DEPOSITS SERVICES IN ACCORDANCE WITH THIS AGREEMENT. I am a member over 10years. The arbitrator(s) decision, rendered in a reasoned opinion, will be final and binding on the Parties. We will not be liable for any actions of the convenience signer until we have received either notice of the Account owners death, or written notification of the revocation of the convenience signers authority, and have had a reasonable time to act on such notice. 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