(5) Foreign Items A foreign item is a check or other item in any currency (including U.S. dollars) that is drawn on a bank or branch of a bank located outside of the U.S. You should be cautious about accepting foreign items because foreign items are not subject to U.S. laws or regulations. A. This section applies to other deposit Account types: (i) Formal Trust Account A Formal Trust Account is an Account held by you and one (1) or more other persons, each acting as a trustee for the benefit of one (1) or more beneficiaries according to a written trust agreement. If we are unable to place a stop payment on a transaction for any reason, you must cancel the card. (ii) Convenience Account This type of Account is often used with family members when the owner needs help managing the Account, or simply wants a contingency signer. 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. A. WebDirect deposit totaling $100+ per month OR Keep a minimum daily balance of $1,000 OR Combined average daily balance in personal accounts of $5,000 OR An owner on the Any requests for arbitration must be sent to Frost by email at LegalLitigation@frostbank.com and certified mail to the following address: Frost Bank Legal Department, 111 West Houston Street, San Antonio, Texas 78205. L. Hold means any funds that are in your Account but that you cannot withdraw because of Legal Process or other reasons as set forth in this Agreement, but does not include Funds Availability Holds. Similar electronic funds transactions made with respect to Business Accounts are governed by the Texas Business and Commerce Code and any applicable federal law, rule, or regulation. We may send checks to any bank or directly to any non-bank drawee in our customary manner. (7) Electronic Check Conversion Below are definitions of some important terms used throughout this Agreement: A. C. Fraud and Loss Prevention; Legal Process; Legal Compliance; Reservation of Rights. Given that your Supported Digital Wallet Device can be used like a Payment Card to make purchases, you must notify Frost in the event your Supported Digital Wallet Device is lost or stolen with the same urgency as if your actual Payment Card is lost or stolen. If the minimum balance is not maintained as shown on the Schedule, we, at our option, may not pay interest on your Account and/or may charge a fee for that period. If you do and the check is presented for payment before the actual date on the check, we may pay it or return it unpaid.
(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. ET or on a weekend or holiday require an additional business day. Magnetic Ink Character Recognition Line or MICR Line means the numbers, which may include the routing number, Account number, check number, check amount and other information, that are printed near the bottom of a check in magnetic ink in accordance with the Standards. We will not allow you to pledge the Account as collateral for any loan to you.

In addition, you may not stop payment on checks governed by separate agreement, such as a check guaranty agreement. The owner of an Agency Account may revoke the agents authority over the Account at any time by notifying us in writing. You agree to reimburse us (and we may charge your Account) for all claims, costs, losses and damages, including attorneys fees, that result from our payment of a withdrawal bearing either a facsimile that resembles or purports to bear your signature or Mark or a facsimile that we believe you authorized.

Each Account you open is subject to these general terms and conditions and any specific terms and conditions relating to that type of Account that may be set forth in any applicable agreement or any Schedule. By selecting a Mobile Card and placing your Supported Digital Wallet Device near a merchants contactless-enabled POS terminal or reader or using that Mobile Card for an in-app purchase, you are authorizing the payment for the merchants products or services with that Mobile Card through the Digital Wallet Service. Only natural persons can own this type of Account, and you must execute a separate Health Savings Account Custodial Account Agreement to establish a Health Savings Account. 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. (2) Longer Delays May Apply (ii) ATM Fees Charged by Others If you use an ATM that is not operated by us, you may also be charged a fee by the ATM operator and/or by any automated transfer network used, and you may be charged a fee for a balance inquiry even if you do not complete a funds transfer. K. Time Deposits $10,000 and on cash purchases of monetary instruments in the amounts of $3,000 to $10,000? You may choose to get this notice only when the payment will differ by more than a certain amount from the previous payment, or when the amount would fall outside certain limits that you set. Therefore, all Frost Bank customers must abide by the Frost Bank Premises code of conduct stated here. You acknowledge that the terms of the Texas Uniform Commercial Code Section 4.209 pertain to all encoded items. You agree to repay immediately an Overdraft caused by a return of a cashed or deposited item. The Wallet may not be accepted at all places where your Payment Card is accepted. If we decide to do this, we will credit your Account within ten (10) Business Days for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation. In addition, if you own a Business Account, you acknowledge and agree to your duty to exercise ordinary care in safeguarding such materials with regard to your employees in accordance with the requirements of Texas Business and Commerce Code Sections 3.405, 3.406 and 4A.202. You further agree that you will retain each Original Check that is Truncated through any Digital Deposits activity for a reasonable period of time, but in no event fewer than ten (10) Business Days from the date of deposit or such longer time as we may request from time to time with respect to any specific Original Check. If a check or item is returned or payment is delayed as a result of any writing or marking that you or a prior endorser placed on the front or back of the check or item, you will be responsible for any cost and liabilities associated with such return or delay. tailspin gin smash; 72 chord progressions pdf study guide in all 12 keys

You deposit checks totaling more than $5,525 on any one (1) day. Do you prefer large or small bills? You agree that Frost will not be liable to you or any third party for any block, suspension, cancellation or termination of your use of any Mobile Card. You may generally not stop payment on an electronic funds transfer or ACH transaction after acceptance of the item by us, except as specifically allowed under NACHA Rules (defined herein) with regard to ACH transactions. Q. Any named trustee may withdraw funds from the Account. The entry for the debit of the funds will appear under the Other Withdrawals/Debits section of your monthly statement. If any person notifies us of a dispute, we do not have to decide if the dispute has merit before we take further action. 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. You agree to the Security Procedures used by the Bank in connection with the Digital Deposits. Your Digital Wallet and your Supported Digital Wallet Device may contemplate certain security features and procedures to protect against unauthorized use of any of your Mobile Card(s). We may set the rate of both existing and future fees and charges upon the overall costs of providing Account services, and they need not be based upon the direct cost of providing the particular service involved. Interest that has been calculated, but not paid to the Account, is called accrued unpaid interest.. Relationship to Your Digital Wallet Provider P.O. If you have any questions on this or any other regulatory subject, please do not hesitate to call your branch or your banker. 1. 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. The Bank must also have the identifying information of the person conducting the transaction. For errors involving a transfer to or from an Account within thirty (30) calendar days after the first deposit to that Account (herein referred to as a New Account), or for errors involving POS or foreign-initiated transactions, we may take up to ninety 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. All endorsements must appear on the back of the check or other item within the first 1-1/2 inches from the left side of the item when looking at it from the front, except that for Substitute Checks, endorsements that appeared on the back of the Original Check must also appear on the back of the Substitute Check. Where your Payment Card is accepted can deposit through an ATM more $. 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F. Frost Bank Property, Branch and ATM Code of Conduct, IV. 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. On your death, ownership of the Account passes to the payable-on-death (P.O.D.) beneficiaries you have designated. Also, you and the Bank agree that the arbitrator(s) do not have authority to render a decision which contains reversible error of Texas or federal law, or to recognize a cause of action or remedy not expressly provided for under existing Texas or federal law. You understand that even if you have asked for your original paper checks to be returned to you with your statement, those paper checks may not all be your Original Checks. You may know that most banks have ATM withdrawal limits. Deposit limits exist, too, although theyre less common. Capital One, for example, has a one-time cash deposit limit of $5,000. Some banks also set limits on how many bills (individual bank notes) you can deposit through an ATM. (12) Converting Checks To Electronic Debits . San Antonio is a major city in Texas. If a notice of error involves unauthorized use of your card for a transaction processed through the Visa system (for example, use of your personal Debit Card when no PIN is used), we will provide provisional credit within five (5) Business Days after you notify us instead of within the usual ten (10) or twenty (20) Business Days. For stop payment orders on recurring ACH transactions, you can obtain the company name of the payee from your statement by looking at a prior ACH debit from that payee that posted to your Account. A sole proprietorship may open a Single- Party Account and may contain a P.O.D. You and Bank agree that the fact of the arbitration, all submissions to and proceedings before the arbitrator(s), and the written decision and findings of the arbitrator(s) shall remain confidential between you and Bank unless reasonably necessary for judicial review or confirmation, or as required by law.

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