Your Digital Wallet may provide you with the option and ability to turn off this purchase transaction reporting for each Mobile Card. USE OF A MOBILE CARD INVOLVES THE ELECTRONIC TRANSMISSION OF PERSONAL INFORMATION THROUGH THIRD-PARTY CONNECTIONS. B. 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. A. 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. I am over it and will be banking somewhere else. Those funds will be available at the time funds from the check we cashed would have been available to you if you had deposited the check. Original Check means the first paper check issued to or endorsed in your favor with respect to a particular payment transaction. (2) Longer Delays May Apply Minimum Opening Deposit. B. Messages and Email Communications; Consent to Geo-Location Based Fraud Prevention, V. OUR COMMITMENT TO SECURITY We have written procedures for providing and maintaining security for customer data and records. You agree that your use of the Digital Deposits after the Bank provides notice of such changes constitutes your acceptance of the new Security Procedures. (1) Individual Accounts An Individual (Single-Party) Account is an Account in the name of one (1) depositor only. If you have any questions about our Fraud Prevention Services, our fees, or anything at all, we're always here to answer your questions. (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. I. You agree to the Security Procedures used by the Bank in connection with the Digital Deposits. The Schedule also shows how often we will pay you interest, if that interest is compounded, how we will calculate the interest we will pay, the balance on which we will pay interest, and any minimum balance requirements. (10) Stop Payments on ATM, POS, or Debit Card Transactions . (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. Despite the name, these Accounts can be checking Accounts, and not just savings Accounts. We are not liable to you if these actions cause your Account to be overdrawn and checks or other items are dishonored because of insufficient funds. Frost likewise is not responsible for any information or other services provided to you by your Digital Wallet provider or any other third parties associated with any Digital Wallet. 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). For the avoidance of doubt, any transaction you make with your enrolled Frost Payment Card using the Digital Wallet Service will be considered the same as if you had presented your physical Payment Card in person to conduct the transaction and all applicable fees and interest will apply per the terms of your cardholder agreement with Frost. Heres how: call us at 1-800-513-7678, or write to us at Frost Bank, Attn: Stop Payment Clerk, P.O. We reserve the right not to send statements on Accounts we consider dormant. The following terms apply to deposits made to your Account(s): (1) Endorsements You authorize us to accept transfers, checks and other items for deposit to your Account if they are made payable to, or to the order of, any one (1) or more of you, whether or not they are endorsed by you; however, we may, at our option, require your personal endorsement prior to accepting an item for deposit. We value your relationship with us and hope that you find these frequently asked questions about cash reporting requirements helpful. Customer hereby agrees to comply with its obligations under the resulting agreement (Vendor Agreement). Call a Frost Representative and talk to a real person at (800) 513-7678. You should also revoke your authorization for pre-authorized debit card transactions you may previously have provided to a merchant. (1) Payment of Interest In the event that we offer you one (1) of our standard Security Procedures commensurate with the type of Wire Transfer or other transfer you request, and you reject such Security Procedures and instead opt for different Security Procedures, you hereby agree that such Security Procedures are deemed commercially reasonable and you agree you are bound by any such payment order executed pursuant to such Security Procedures you have selected. chloe johnson peter buck wedding; le mal en elle fin du film Frost Bank will not tolerate violence or threats of violence or physical harm in any of its Premises. Unlike cash, which can only be deposited in a branch or at an ATM, checks can often be deposited through a bank or credit union's mobile app. 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. (Information Regarding Digital Deposits)) your checks, you understand that neither your Original Checks nor Substitute Checks will be returned with your Account statement. Frost Bank may also exercise its right to deny entry to the Premises to any Frost Bank customer or other person what is identified as being disruptive or a threat to Frost Bank employees, Frost Bank customers, or others. We will not be liable to you for any damages you may suffer as a result of your Account being closed or the process that follows the decision to close your Account. Electronic Funds Transfers Generally. (5) Error Resolution Procedures We have the right to advise consumer reporting agencies and other third party reporting agencies of Accounts closed for misuse, such as Overdrafts. We will also tell you when the funds will be available. J. If you fail to notify us of any unauthorized, altered, fraudulent, or missing Item or transaction within thirty (30) calendar days after we made the Account statement available to you by mail, by Online Statement Delivery (if applicable), pursuant to a Statement Hold Request, or otherwise made the Account statement available to you, and such Account statement lists an unauthorized, altered, or fraudulent Item or transaction or fails to list a deposit, we are not required to reimburse you for unauthorized, altered, fraudulent, or missing Items or transactions by the same person that we pay after that time. Customer may not remove currency from the Smart Safe once is has been inserted. 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. Menu. Our policy is to generally make funds from your check deposits available to you on the first Business Day after the day we receive your deposit. (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. If: (i) neither you nor we seek to compel arbitration of any dispute we have related to this Agreement, your Account, or any transactions involving your Account; or (ii) some or all of these arbitration provisions are unenforceable and we are in a dispute in a court of law, then each of us agrees to waive any right we may have to a jury trial to the extent allowable under Texas law. Limitation of Liability A. 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. C. Mobile Device and Wireless Internet Access, VI.DEPOSIT ACCOUNTS (3) Additional Account Types However, Frost Bank customers also have a responsibility to themselves and to others (including Frost Bank employees) to ensure that everyone who is present on the Premises conducts themselves in a respectful, safe and secure manner to promote a safe and pleasant in-person banking experience. Get your cash, and put it in a safe place before leaving the bank. 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. G. Check or check means any written order to pay a specific amount of money drawn on, payable through or at, or processed by, a bank or other depository institution. You agree that if we pay a withdrawal or debit that results in an Overdraft or if we return a withdrawal or debit because your Current Balance is insufficient to pay the withdrawal or debit when it is processed against your account, we may charge you a fee, as allowed by applicable law and as set forth in the rate and fee Schedule applicable to your Account. If you establish a joint Account without the signature of the other joint Account Holder(s), you agree to hold us harmless for our reliance upon your designation of the other joint Account Holder(s) listed on our documents. 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. S. Substitute Check means a paper reproduction of an Original Check with an accurate, legible image of the front and back of the Original Check, and that conforms to standards established by the Federal Reserve Board. (Payable on Death) Designation If you have opened this type of account, then you are the sole owner of the Account. If your Account had funds in it when closed, we may: (1) hold the funds for your pick up or to pay outstanding or expected items or claims; (2) deposit the funds in another of your Accounts with us; or (3) mail the funds in the form of a cashiers check to any of you by check at the address in our records for the Account. 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. Use of our electronic funds transfer services is subject to existing regulations governing your Account and any future changes to those regulations. 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. 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