Retailers and Check-Cashing Stores . Box 1600, San Antonio, TX 78296. It is possible that third parties involved in the negotiation, mediation, and arbitration protocol, such as lawyers, accountants, or contractors, who offer products or services to the public may be Frost customers. 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. Like cashing a regular check, cashing a money order is a relatively simple procedure. These provisions generally apply to electronic funds transfers, deposits, cash withdrawals and purchases made with any Frost Bank Debit Card or similar card, PIN, Frost Bank User ID, or other device or code which accesses a consumer Account, and to direct deposits and some types of preauthorized and telephone-initiated transfers involving consumer Accounts (including a transaction you may initiate by check but which a merchant converts into an electronic funds transfer). beneficiaries. 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. 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. Upon our request, you will supply us a copy of any trust agreement covering the Account. SWIFT, the Federal Reserve Wire Network (FedWire) or the Clearing House Interbank Payments System); (2) the settlement currency (unless otherwise instructed by you); (3) intermediary and correspondent banks; and (4) appropriate fee structures in order to facilitate Wire Transfers on your behalf. 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. You may transfer up to $5,000 per card per day between your Account and other eligible accounts through Account Funding Transactions (AFTs). (6) Power of Attorney For purposes of this subsection, the person executing a power of attorney will be referred to as the principal, and the person acting for the principal under the power of attorney will be referred to as the agent. If you desire to grant someone power of attorney over your Account, we ask that you complete a power of attorney form that is legally binding within the State of Texas (Power of Attorney) in accordance with Texas Estates Code Chapter 751. (12) Converting Checks To Electronic Debits (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. Information Regarding Digital Deposits If you have designated your Account as a community property Account without right of survivorship, the money in your Account is the community property of you and your spouse. E. Withdrawal Rules The Bank must also have the identifying information of the person conducting the transaction. Except as otherwise indicated in this Agreement, the arbitrator(s) will have the power to award to a Party any damages or other relief provided for under applicable law. We will also provide you with an estimate of when the funds will be available. First Business Day after day of approval. We may pay any sum in the Account to a Party, including a Partys Power of Attorney or agent, at any time. Mifflintown, PA 17059. However, you should consult your own attorney if you have any questions regarding community property laws and the division of property at the death of either spouse. A. Insurance. On death of the Account owner, ownership of the Account passes as part of the Account owners estate by will or by intestacy. Using this, they will be able to complete the cash advance and get you your cash. How do I cash a personal check without a bank account? 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). Monday-Friday, after 6 pm ET and Saturday-Sunday. On the death of the last surviving trustee, the ownership of the Account passes to the beneficiary. R. Cash Vault Services and Smart Safe Services. - View and zoom, save and print cleared check images. We reserve the right to refuse to honor any Power of Attorney you grant that is presented to us under the reasons for refusing acceptance as set forth in Texas Estates Code Section 751.206. Stop by your H-E-B Business Center to cash a check or withdraw cash from your debit card! You understand that your third-party agreements may, however, contemplate fees, limitations, and restrictions which might affect your use of any of your Mobile Card(s) (such as data usage or text messaging charges imposed on you by your wireless carrier). If we decide that there was no error, we will send you a written explanation. If we are not going to make all of the funds from your Digital Deposits available on the first Business Day after the day of your deposit, we will notify you at the time you make your deposit. The term Agreement includes this document, the Account signature card and all signature card addenda (Signature Card), Truth in Savings disclosures and other Schedules, and any other agreement, as amended from time to time, that is applicable to the specific type of Account you open that we provide to you, including, but not limited to: the Frost Online Banking Agreement and Disclosure (which includes optional Mobile Banking Services); the Treasury Management Services Agreement; the Personal and Health Savings Account Debit Card Agreement and Disclosure (or other similar agreement); the Business Debit Card Agreement and Disclosure (or other similar agreement); and the Electronic Funds Transfer Agreement and Disclosure. 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. A. We value your relationship with us and hope that you find these frequently asked questions about cash reporting requirements helpful. (1) Individual Accounts Wait for the teller to verify the funds and stamp your check as certified. What information is required if I send someone else to conduct the transaction for me? You represent that you are an authorized user of the Mobile Device you will use to access 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. You can also make purchases with your debit card. FROST WILL NOT BE LIABLE TO YOU FOR ANY CIRCUMSTANCES THAT INTERRUPT, PREVENT OR OTHERWISE AFFECT THE FUNCTIONING OF ANY MOBILE CARD, SUCH AS UNAVAILABILITY OF THE DIGITAL WALLET OR YOUR WIRELESS SERVICE, COMMUNICATIONS, NETWORK DELAYS, LIMITATIONS ON WIRELESS COVERAGE, SYSTEM OUTAGES, OR INTERRUPTION OF A WIRELESS CONNECTION. (3) Initial Interest Rate The Initial Interest Rate is the current annual rate of interest that we will pay on the specified balance in your Account. (12) Converting Checks To Electronic Debits . (12) Documentation of Transfers The Wallet may not be accepted at all places where your Payment Card is accepted. 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. You are responsible for promptly examining your Account statement each statement period, reviewing all transactions deposits/credits, checks paid, and other withdrawals/debits in the Account statement, and reporting any irregularities to us. If you choose to designate a beneficiary, you must complete a beneficiary designation form at the time you open this Account. At no time is the Bank liable for the contents of such transfers. We may charge your Account a fee for each Legal Process. If you are engaged in any of the activities described above, you must disclose such fact prior to opening your Account with us, we reserve the right to request proof of current certifications or licensing for such activities, and we reserve the right to deny you an Account based on such activity. "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. Obtain balance information for your checking or savings Account. If your spouse predeceases you, or if someone other than your spouse is named as your beneficiary, including your estate, then tax may be due on the balance remaining at your death. (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. If a third party is also involved in the dispute, and a Party invokes such dispute resolution provisions, then the dispute will be decided with respect to the third party according to the dispute resolution provisions set forth above as well. We may pay funds in the Account to the convenience signer or at the convenience signers direction either before we receive notice of your death, or before we receive written notice signed by you that the authority of the convenience signer has been revoked and instructing us to remove the convenience signer from your Account. Monetary instruments are official checks, cashiers checks, money orders, foreign drafts, travelers checks and certain types of gift cards and other stored value products. Box 1600, San Antonio, Texas, 78296, Attention: Loan Operations. And your warranty given above is deemed given to us and any other person, company or bank to which we transfer, present or return the Substitute Check or a paper or electronic representation of the Substitute Check. You're about to open a third-party website in a separate browser window. (2) What are Your Rights Regarding Substitute Checks This is required to use any ATM for any purpose. Only one (1) notice will be given in the case of joint Account Holders, and notice to any one (1) Account Holder is deemed notice to all Account Holders. Frost Bank is located in San Antonio, Texas, and that is where your Account was opened and is maintained. However, if we do not determine that the withdrawal or debit is a represented Item and we return it due to non-sufficient funds or we pay the Item that results in an Overdraft, you will be charged the corresponding fee. 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. The Wallet allows you to make purchases using an added Payment Card wherever the Wallet is accepted. Wire Transfers and Automated Clearing House (ACH) Transactions. 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. A. Debit Card Services (Including Health Savings Account Debit Cards). You may contact the Frost Bank Customer Service Call Center at 1-800-513-7678 with questions about your Account(s). A. HOW CAN I ORDER CHECKS? I waited over an hour for my money and both I and the check holder banked with them. 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. This requirement was implemented in 1970 under the Bank Secrecy Act. Or, deposit your checks at KeyBank ATMs or in the app with mobile check deposit. If you deposit items which bear the endorsement of more than one person or of persons who are not signers on the Account, we may refuse the item or may require you to have their endorsement guaranteed before we accept an item. 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. * See running balances, plus view and search . To the maximum extent permitted by applicable law, you will be solely liable for all transactions initiated before the Bank has received such notification and has had a reasonable opportunity to act on such notification. We are here to answer any questions you may have about this Agreement or about your Frost Bank Account (s). A. If you will need the funds from a deposit right away, you should ask us when the funds will be available. Any request for arbitration must be by written request delivered to the other Party by certified mail. 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. 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). If we decide to close your Account, we may, in our sole discretion, mail you notice of Account closure to your statement mailing address, or send such notice to you via Online Statement Delivery (if you are enrolled in Online Statement Delivery). D. Eligibility (3) Notice Requirements We retain the right to require you to give at least seven (7) calendar days notice in writing prior to any intended withdrawal from your Account. INFORMATION ABOUT YOU AND YOUR ACCOUNT Any final arbitration award, rendered in a reasoned opinion, will be binding on the named parties and enforceable by any court having jurisdiction. Instead, the debiting amount, along with the corresponding check number (if available) will appear under the Other Withdrawals/Debits section of your statement. All Substitute Checks deposited via Frost Digital Deposits (as further described in Section VII (Digital Deposits)) must be endorsed payable to the order of Mobile Deposit Only, Frost Bank, followed by your signature and Account number. (4) Remotely Created Checks (4) Changes The average face value of a check presented to a check-cashing outlet is $442.30, with the average fee to cash that check being $13.77, or about 3.1 percent, according to the FDIC. B. You should send your written notice describing the specific inaccuracy(ies) to Frost Bank, P.O. You agree immediately upon notice from us to deposit funds sufficient to cover the amount of any Overdraft plus any Overdraft fees, if required. In addition to the indemnification provisions contained elsewhere in this Agreement, you shall indemnify and hold Frost, its licensors (including any Third-Party Licensors), sponsors, agencies and its parents, subsidiaries, affiliates, officers and employees, harmless from any claim or demand, including reasonable attorneys fees, made by any third party due to or arising out of: (1) your use of any Mobile Card and the Digital Wallet Service; or (2) any breach of the terms and conditions set forth in the terms of this Agreement by you or other users of the Digital Wallet Service using your Mobile Card or credentials. . Frost reserves the right to institute charges for account access or for additional transactions or features in the future, but only after written and/or electronic notification to you in accordance with applicable law. However, by noting the assignment, we do not have any responsibility to assure that the assignment is valid. However, you are still liable for all uses of the Mark, regardless of whether you have provided a sample of the Mark to us. The first $225 of your Digital Deposits, however, will be available on the first Business Day after the day of your deposit. 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. See how easy it is to deposit checks with the Frost App for iPhone and Android devices. 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