You agree not to disable any of these security features and to use these security features and procedures to safeguard all your Mobile Cards. 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. If we do place a Hold on your Account, we may give notice as required by the laws governing your Account. 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. Walmart. A. We may establish the rate and amount of fees and charges based on profit, competitive position, deterrence of misuse of Account privileges by customers, and the safety and soundness of the Bank. 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. (1) Your Ability to Withdraw Funds 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. Frost has the right to employ counsel of Frosts choice to defend and control of any such matter subject to indemnification by you. (10) Stop Payments on ATM, POS, or Debit Card Transactions . You agree that we may, in our sole discretion, waive any fee, charge, term, or condition set forth in this Agreement at the time the Account is opened or later, on a one-time basis or for any period, without changing the terms of the Agreement or your obligation to be bound by the Agreement, and we need not provide similar waivers in the future or waive our rights to enforce the terms of this Agreement. AnytimeCheck: Best for Businesses. Frost Bank customers must respect Frost Bank employees, other Frost Bank customers, and others in the Premises. Security Procedures may include, but are not limited to, call-back procedures, request for personal identification, password, PIN number, telephone code words, or any other security code, algorithms, encryption or similar security devices. We reserve the right to refuse the acceptance of any particular transfer for any reason. 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. All of our rules, regulations, and disclosures (including any provisions relating to interest) apply to your checking Account as a whole (i.e., at the master account level), without reference to the two subaccounts. If you are a Business Account customer, you expressly grant permission for Bank to monitor and record calls made by any of your employees regarding your Account(s). You should know that Frost Bank employs various security and authentication technologies to ensure that you (an authorized customer) are communicating directly with Frost Bank. 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. (1) Provisional Payment We enter the information into our records. Limitation of Liability You can get your check sent to your bank, prepaid card, or PayPal account. 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. 721 Smith Rd. These provisions do NOT apply to: (i) debits which the Bank is authorized to make from your Account(s) for service charges and other fees; (ii) preauthorized automatic transfers you have instructed Bank to make to another of your Account(s); (iii) payment of any loan that you have with us; and (iv) to certain other types of consumer transactions which are excluded from Regulation E. (3) Your Liability for Unauthorized Transfers Tell us AT ONCE if you believe your Frost Bank Debit Card or similar card, or your Frost Bank User ID, PIN or other device or code which accesses your Account has been lost, stolen or otherwise learned or acquired by an unauthorized person, or if you believe that an electronic funds transfer has been made without your permission using information from your check or otherwise. If you will need the funds from a deposit via Digital Deposits, you should contact us to inquire when the funds will be available. 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. Mifflintown, PA 17059. The filing of a CTR is a common and routine event for all banks. If you do not opt-in to allow us to pay one-time debit card transactions that result in an Overdraft, we may still pay those transactions, in our sole discretion, and you are still required to promptly repay us the amount of the Overdraft, but we will not charge you a fee. Bureaus Regulation E Please note that you'll still be able to view the current page on frostbank.com. For purposes of arbitration, you includes any person who is listed on your Account, and Bank includes Frost Bank, all its affiliates, and all third parties who are regarded as agents or representatives of ours. You agree to keep your Account information confidential, up to date, and accurate. (iv) Liability for Failure to Stop Payments If you order us to stop one (1) of these payments three (3) Business Days or more before the transfer is scheduled, and you have given us the information we requested, including the exact amount of the payment, we will be liable if we fail to stop the payment for your losses or damages up to the amount of the payment. 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). 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. You agree that, other than our liability under Check 21 Regulations, if we do not properly complete a transaction according to the Agreement, we will not be liable in any event for losses or damages in excess of the amount of the transaction, and we will never be liable if circumstances beyond our control prevent the transaction, or if the funds in your Account are or may be subject to Legal Process or other claim. I am over it and will be banking somewhere else. Depending on the type of Digital Deposits you request, and depending on whether you are a Business or Personal Account Holder, you must have specialized equipment and access via the Internet to Banks (or Banks third-party vendors) server-based Processing Software, as defined below, or access via Banks (or Banks third-party vendors) mobile device Processing Software. 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. Once funds are available, you can withdraw the funds in cash and we will use the funds to pay checks that you have written. 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. 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. Yes, you can deposit checks at an ATM, and the process for depositing checks follows the same steps as the process for depositing cash. We also reserve the right to change any other term of this Agreement at our sole discretion, but we will make reasonable attempts to notify you of such changes. H. Suspension; Cancellation - Locate 1,700+ Frost ATMs and 150+ financial centers. You may change your phone number by following the steps outlined at www.frostbank.com. The Bank is not agreeing to any Security Procedures or other procedure for the detection of errors. Any request for arbitration must be by written request delivered to the other Party by certified mail. Frost is not liable to you for the effects (third party or otherwise) of such termination or suspension. 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. 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. We may receive the electronic debit to your Account immediately after the business enters the transaction so you may have a reduced right to stop payment and you may incur an Overdraft if you do not have sufficient funds in your Account to cover the amount of the check at the time you write the check or authorize the transaction. TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, ANY MOBILE CARD IS PROVIDED TO YOU AS IS AND AS AVAILABLE, WITH ALL DEFECTS THAT MAY EXIST FROM TIME TO TIME AND WITHOUT WARRANTY OF ANY KIND, AND FROST, ON BEHALF OF ITSELF AND ITS SUPPLIERS, HEREBY DISCLAIMS ALL WARRANTIES AND CONDITIONS WITH RESPECT TO ANY MOBILE CARD, EITHER EXPRESS, IMPLIED OR STATUTORY, INCLUDING, BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OR CONDITIONS OF MERCHANTABILITY, SATISFACTORY QUALITY, FITNESS FOR A PARTICULAR PURPOSE, ACCURACY, QUIET ENJOYMENT, AND NON-INFRINGEMENT OF THIRD-PARTY RIGHTS. When you select a Payment Card to use with the Digital Wallet Service, certain Account information for the Payment Card will be transmitted to and stored according to the Digital Wallet and Payment Card network procedures and systems for the Supported Digital Wallet Device to facilitate your participation in the Digital Wallet Service. We, our correspondent banks, and other banks involved in the Wire Transfer process may charge additional fees or convert currency, in some cases providing compensation to us. Double . 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. Frost Bank is located in San Antonio, Texas, and that is where your Account was opened and is maintained. Money orders can be used for a variety of purposes, including paying for large purchases through private sales, sending money to family members or putting a security deposit down on a new apartment. (4) Postdated Items (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. A. Debit Card Services (Including Health Savings Account Debit Cards) Some banks will simply convince you to open accounts to avoid a hefty fee-cashing fee. Federal law requires all banks to obtain certain information on all cash sales of monetary instruments between $3,000 and $10,000. HOW CAN I ORDER CHECKS? The Bank will replace the Security Procedures in accordance with the Banks standard security requirements related to Digital Deposits. (ii) Preauthorized Credits If you have arranged to have direct deposits made to your Account at least once every sixty (60) calendar days from the same person or company, you can call us at 1-800-513-7678 to find out whether or not the deposit has been made. We reserve the right to verify any transaction carried out by a convenience signer with the owner(s) of the Account. They will generally be available no later than the seventh Business Day after the day of your deposit. Monday-Friday, after 6 pm ET and Saturday-Sunday. THESE DISPUTE RESOLUTION PROVISIONS OF THIS AGREEMENT PROVIDE FOR BINDING ARBITRATION OF ALL DISPUTES THAT CANNOT BE RESOLVED BY NEGOTIATION OR MEDIATION. If you prefer banking from a mobile phone or tablet, Frost Bank also offers a mobile banking app, available for free on the App Store and Google Play. This includes any losses incurred via natural acts of God, safe robberies, fire etc. Get your cash, and put it in a safe place before leaving the bank. We reserve the right to refuse any item for deposit, to reverse credit for any deposited items or to charge your Account for items should they become lost in the collection process. You also are entitled to interest on the amount of your refund if your Account is an interest-bearing Account. Late payments, missed payments or other defaults on your Account may be reflected in your credit report. 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