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Fees and Charges (14) Electronic Checks Frost may use this information, as long as it is in a form that does not personally identify you, to improve Frosts products or to provide services or technologies to you. Bureaus Regulation E We will not be liable for the dishonor of any Item when the dishonor occurs because we setoff a debt against your Account. This Agreement will control any conflicts between its procedures and this Agreement. In addition, we may report to the IRS multiple cash transactions which together total more than $10,000 in any one 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. sender) and receiver (i.e. Can I avoid having this form filed if I break up the transaction into smaller amounts? If you have made a Statement Hold Request, you acknowledge and agree that we will hold your Account statement(s) rather than mailing them to you. 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). You authorize us to disclose information to third parties or our affiliates about you, your Account(s), or transfers you make: Where it is necessary for completing transfers; In order to verify the existence and condition of your Account(s) for a third party, such as a credit bureau or merchant; In order to comply with government agency or court orders, or other applicable law; If you give us your written permission; and. Box 1600, San Antonio, Texas, 78296, Attention: Loan Operations. If one Party fails to appear at mediation, the Party that does not appear is responsible for paying such Partys share, as set forth above, and the mediation fees paid by the other Party. WebSearch Frost Bank locations for your personal and business banking, investments and insurance needs. IN ADDITION TO LIMITATION OF LIABILITY PROVISIONS CONTAINED ELSEWHERE IN THIS AGREEMENT, AND EXCEPT AS OTHERWISE PROVIDED BY LAW, IN NO EVENT SHALL FROST, ITS DIRECT OR INDIRECT SUBSIDIARIES, AFFILIATES, AGENTS, EMPLOYEES OR REPRESENTATIVES BE LIABLE FOR DEATH, PERSONAL INJURY, PROPERTY DAMAGE, OR ANY INCIDENTAL, SPECIAL, INDIRECT, PUNITIVE, EXEMPLARY OR CONSEQUENTIAL DAMAGES WHATSOEVER, INCLUDING, WITHOUT LIMITATION, DAMAGES FOR LOSS OF PROFITS, LOSS OF OR DAMAGE TO DATA, BUSINESS INTERRUPTION OR ANY OTHER COMMERCIAL OR FINANCIAL DAMAGES, LOST REVENUES, OR OTHER LOSSES OF ANY KIND, ARISING OUT OF THESE TERMS OR IN ANY WAY RELATED TO YOUR USE OR INABILITY TO USE ANY MOBILE CARD, HOWEVER CAUSED, REGARDLESS OF THE THEORY OF LIABILITY (CONTRACT, TORT OR OTHERWISE) AND EVEN IF FROST HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. 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 Notices will be sent to the most recent address shown on our records for your Account, or, if relevant, as provided in the agreement between you and us regarding your use of the Frost Online Banking Services or Treasury Management Services (as defined in the applicable agreement). (1) Your Ability to Withdraw Funds These provisions apply only to demand deposit checking Accounts where deposits are made via Digital Deposits. (Fraud and Loss Prevention; Legal Process; Legal Compliance; Reservation of Rights) of this Agreement, including, but not limited to, an interpleader action. This allows us to contact you when we identify a potentially fraudulent Debit Card transaction. What information am I required to provide to the Bank to complete a CTR? 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. Frost reserves the right to restrict the use of certain Payment Card types within the Digital Wallet Service. A. You and we agree that upon the election of either of us, any dispute relating in any way to your Account or transactions, or otherwise arising under this Agreement, will be resolved by the dispute resolution procedures described below, which include binding arbitration. All other fees will be allocated according to the arbitration administrators rules and applicable law. FROST MAKES NO GUARANTEES ABOUT THE INFORMATION SHOWN IN THE DIGITAL WALLET SERVICE SOFTWARE OR HARDWARE IT CONTAINS AND MAKES NO REPRESENTATIONS, WARRANTIES, OR GUARANTEES REGARDING THE SAME. You may have the ability to decline to have the transaction data made available for display and still use the Digital Wallet Service, but you must follow the instructions for doing so in your Digital Wallet. This notice describes the rights you have when you receive Substitute Checks from us. E. Device Eligibility Even if we choose to pay one (1) or more Overdrafts, we are not obligated to pay any future Overdrafts. Frost and its Third-Party Licensors retain all right, title and interest in and to the software used by Frost to provide the Mobile Card(s), Digital Wallet Service, and any modifications and updates thereto. Once either Party has invoked the dispute resolution provisions under this Agreement, the only exceptions to the negotiation, mediation or arbitration of disputes are that: (i) you have the right to pursue a claim in a small claims court instead of arbitration if the claim is within that courts jurisdiction and proceeds on an individual basis; and (ii) we have the right to take any action described in Section III.C. Even if not otherwise required, Frost will reimburse you up to $500 for any initial arbitration filing fees you have paid. By entering into this Agreement, you agree that you are providing your express consent for Frost and any Frost third-party service provider to call you, text message you, or both at any phone number (including any mobile phone number) you provide to Frost or any Frost third-party service provider using auto-dialed phone calls, prerecorded phone calls, or both for any or all of the following reasons: (i) transactional purposes; (ii) informational purposes; (iii) to provide account alerts; (iv) to provide servicing information; (v) fraud prevention purposes; and (vi) any other purposes provided for in this Agreement or in any other applicable Frost agreements, including, but not limited to, Frosts Customer Privacy Statement. Q. We may send checks to any bank or directly to any non-bank drawee in our customary manner. We may reverse the refund (including interest on the refund) if we later are able to demonstrate that the Substitute Check was correctly posted to your Account. 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. You agree that our retention of checks does not alter or waive your responsibility to examine your Account statements or change the time limits for notifying us of any errors. A. However, there are some exceptions to our liability. A foreign item may be returned unpaid much later (sometimes many months later) than checks or other items that are drawn on banks located in the U.S. If you operate as a sole proprietorship, you agree to notify us promptly of any change in the name of the business owner, in the physical address of the business, in the home address of the business owner, in the drivers license number of the business owner, or in the business owners personal identification card number issued by the applicable Department of Public Safety. We exercise our rights to investigate any unusual or suspicious Digital Deposits Items as determined in Banks sole discretion.
(4) Funds Availability Holds on Other Funds (Other Accounts) If we accept for deposit a check that is drawn on another bank, we may make funds from the deposit available for withdrawal immediately but delay your availability to withdraw a corresponding amount of funds that you have on deposit in another Account with us.
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Spitting, throwing an object, or pushing others is prohibited at all times Banks! You can use your card anywhere Mastercard is accepted. You understand that all electronic funds transfers must originate from an Account on which you are an Account Holder. You also understand and agree that we may terminate your Account immediately if you become engaged in any of the activities described in this paragraph during the course of your relationship with us. The arbitration will be administered either by the American Arbitration Association (AAA) in accordance with its Commercial Arbitration Rules or Consumer Arbitration Rules, as applicable, and the Texas Arbitration Act, or by a like organization selected by the Bank in accordance with such organizations rules for resolution of commercial or consumer disputes, as applicable, and the Texas Arbitration Act. (1) Cash Vault Services Cash Vault Services allows a Business Account customer to have coin and/or currency deposits (Vault Deposits) delivered to a remote cash vault location for processing. Learn more about our Funds Availability policy. Driving Directions. We may (but are not required to) refuse to accept a check or other item for deposit to your Account if: (1) the check or other item is made payable to someone other than you or a joint Account Holder with you; and (2) the check or other item is not endorsed to you or a joint Account Holder with you. If your Account has not yet earned enough interest so that the penalty can be deducted from earned interest, or if the interest has already been paid, the difference will be deducted from the principal amount of your Account. If an item to be charged back is lost in the process of collection or unavailable for return, we may rely upon a photocopy of the item or upon any other generally accepted notification of return of the item, in charging you or any of your Accounts for the amount of the returned item. ), or otherwise made available to you. A Party can file a written appeal to the arbitration administrator or request a new arbitration within thirty (30) calendar days of issuance of the award. You agree not to use your Account in any illegal activity, including, but not limited to, restricted transactions as defined under the Unlawful Internet Gambling Enforcement Act.
(3) Funds Availability Holds on Other Funds (Check Cashing) If we cash a check for you that is drawn on another bank, we may withhold the availability of a corresponding amount of funds that are already in your Account. If any funds are returned to you in a currency other than U.S. dollars, we will convert the returned foreign currency into U.S. dollars at its current exchange rate for such currency at the time of the return. Checks used in these types of transactions will not be returned with your statement. (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. We are required to honor items drawn only on the listed Account name. The license is limited to use on any Supported Digital Wallet Device that you own or control and as permitted by any applicable third-party agreements. Some or all of these original paper checks may be replaced with Substitute Checks. You also understand that supervisory personnel may randomly monitor customer service telephone conversations to ensure that you receive accurate, courteous and fair treatment. Your use of the Account after the effective date of the amendment is your consent to the amendment. An AFT is a transfer of funds from a Visa card account to another eligible account. (FRAUD AND LOSS PREVENTION; LEGAL PROCESS; LEGAL COMPLIANCE; RESERVATION OF RIGHTS) OF THIS AGREEMENT, INCLUDING, BUT NOT LIMITED TO, INTERPLEADER ACTIONS). If we suspect that your Account has been subject to irregular, unauthorized, fraudulent, illegal or unlawful activities, and we notify you regarding such activity, it is strongly advised that you close the affected Account and open a new Account. Access to individual identifiable records of customers is limited to employees with a valid business reason for such access. 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. (iii) Agency Account An Agency Account is an Account to which funds may be deposited and withdrawn by an agent designated by the owner of the Account. B. WebTouchscreen capability Set preferences (Remember Me) Deposit checks and cash Withdraw cash in specific denominations, such as $5, $20, and $50 Check balances Get mini statements Change your ATM PIN Set Your Preferences on KeyBank ATMs Save time with Remember Me. You must cooperate with Frost in any investigation and use any fraud prevention or other related measures Frost prescribes. We charge any such electronic debit to your Account when we receive it. 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. Additional Authentication Information, or AAI is information used in conjunction with various online and mobile banking authentication procedures that we may employ, including, but not limited to, security questions and responses and/or use of other hardware-based and software-based security and authentication tools, programs and procedures. (4) Substitute Checks Deposited by You Should you receive a valid Substitute Check from someone else that has not yet been collected, you may deposit that Substitute Check in the same manner as you would deposit an Original Check you received. Fighting, vulgar language, harassing others, shouting, spitting, throwing an object, or pushing others is prohibited at all times. U. (4) Account Ownership/Accurate Information. (iii) Health Savings Account We can serve as your custodian for a Health Savings Account. Within a timeframe agreed upon between Smart Safe Vendor, customer and Bank, the contents contained within the Smart Safe shall be removed by the designated Smart Safe Vendor and physically transported to a location directed and approved by the Bank for verification. (2) Longer Delays May Apply In some cases, we will not make all of the funds that you deposit by check available to you on the first Business Day after the day of your deposit. Frost is not responsible for, and does not provide, any support or assistance for any third-party hardware, software, or other products or services (including any Digital Wallet or your Supported Digital Wallet Device, as defined in Subsection E below). If we do not receive final settlement, you agree that we are entitled to a refund of the amount credited to your Account in connection with such entry, and the party (the originator of the entry) making payment to you by such entry shall not be deemed to have paid you the amount of such entry. We may refuse to accept any check other than: (i) standard checks provided by us or approved by us in advance; or (ii) Substitute Checks conforming to Check 21 Regulations standards that were created from images of original standard checks provided by us. Electronic Funds Transfers Generally Box 1600, San Antonio, TX 78296. You further represent that you do not derive any of your income from entities that are engaged in the production, manufacturing/refinement, distribution or sale of industrial hemp or industrial hemp-derived products (such as products containing CBD oil) that are not classified as Schedule I drugs under the federal Controlled Substances Act, either directly or indirectly (including, but not limited to, rental property income). You must tell us the exact amount and payee name of the payment you have stopped, as well as any other identifying information which we may request. Q. These Frost Bank agreements and disclosures contain a description of Frost Banks Security Procedures for online banking activities. Your cardholder agreements with Frost contain arbitration provisions which also apply to your use of your Payment Card through the Digital Wallet Service. (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. (10) Facsimile Signatures If you use a procedure or mechanism that causes checks to be drawn on your Account(s) (such as, but not limited to: signature stamp; typed signature; facsimile signature; desktop publishing, digitized, or computer software generated signature; notation; or mark or other form of mechanical symbol (collectively, the Mark)) that is not the signature that is on the Signature Card that you signed when you opened your Account, you are adopting such Mark as your signature and authorizing us to pay checks upon which the Mark appears or purports to appear. We may agree with other banks regarding times and methods for collecting or returning items. In addition, you will not have an ownership interest in the Account. We will determine whether an error occurred within ten (10) Business Days after we hear from you and will correct any error promptly. M. Right of Setoff Overdraft means any event that results in your Account having a negative Current Balance. If you make a deposit, we may provide a receipt. A. In addition, you may not stop payment on checks governed by separate agreement, such as a check guaranty agreement. On your death, your ownership passes as a part of your estate under your will or by intestacy. Do you prefer large or small bills? We may (but are not required to) refuse to accept a check or other item for deposit to your Account if: 1) the check or other item is made payable to someone other than you or a joint Account Holder with you; and 2) the check or other item is not endorsed to you or a joint Account Holder with you. (3) Initial Interest Rate (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. A. Debit Card Services (Including Health Savings Account Debit Cards). (2) Notice of Receipt We will notify you of the receipt of payments in the periodic Account statements we provide to you. A description of the transaction will appear on your statement. O. We may rely on that information until you notify us of a change and we have had a reasonable time to act on the new information. Frost Bank San Antonio near me. We may include your name, address and other required information within the Wire Transfer instruction, so we may comply with international and foreign payment regulations and requirements. Limitation of Liability (5) Error Resolution Procedures (13) Re-presented Checks You may authorize a merchant to create an electronic withdrawal from your Account for the amount of your check when the original paper check is returned to the merchant for insufficient or uncollected funds. DIGITAL WALLET SERVICE A. ACH Origination Debits are processed in the order from the lowest dollar amount to the highest dollar amount. Q. (Consent to Autodialed and Prerecorded Phone Calls and Text Messages) of this Agreement, you expressly consent to receive phone calls, text messages, push notifications, and emails related to the Digital Wallet Service from Frost and any Frost third-party service provider at any phone number (including any mobile phone number) and email address you have provided to Frost or any Frost third-party service provider. Some or all of the checks issued by you for payment, or other checks deposited by you, that you receive from us may be Substitute Checks. Except as otherwise required by applicable law, Frost may block, restrict, suspend or terminate your use of any Mobile Card at any time without notice and for any reason, including if you violate the terms of this Agreement or any of your card member agreements, if Frost suspects fraudulent activity, or as a result of the cancellation or suspension of your Payment Card account. In accordance with commercially reasonable banking industry standards and practices, most checks and other items are processed through automated processing and, except in limited circumstances and in our sole discretion, most items are not individually examined. / Frost Bank Dec 2002 - Oct 2006 3 years 11 months Responsible for daily operations of office, including staff supervision, accounts payable/accounts It does not include transactions you may have initiated that have not yet cleared, such as debit card transactions that were authorized but not yet presented for payment or checks you may have written but have not yet been presented to Frost for payment. You may withdraw up to $1,000 per card per day at ATM terminals (separate ATM machine withdrawal limits may apply). (1) Individual Accounts If a foreign item is returned to us unpaid or there is some other problem with the foreign item, you are responsible for the item and you may incur a loss. Strong, robust encryption technologies are used for computer-generated customer data and records. You further represent that you do not derive any of your income from entities that are engaged in in the production, manufacturing/refinement, distribution or sale of cannabis or cannabis-derived products that are classified as Schedule I drugs under the federal Controlled Substances Act, either directly or indirectly (including, but not limited to, rental property income). You are responsible even if the size or color of the Mark is different from that of any signature previously presented to us. (10) Facsimile Signatures Some banks have a limit on the amount of Funds Availability Policy Disclosure. It is also where the largest number of branches of this bank is located, branches that are open to the public from 9:00 in the morning until 7:00 at night. The Bank reserves the right to change any or all of the Security Procedures offered and/or used at any time by giving oral or written notice to you. The terms of use for your Payment Card which were provided to you when your Payment Card was issued, and as amended from time to time, remain in full force and effect regardless of whether or not you use the Digital Wallet Service. Neither Party shall make any objection to a proposed mediator except for good cause shown. In order to serve you better, and for quality assurance and other purposes, we reserve the right, but are not obligated to, record any customer service or other telephone calls between you and the Bank, and you consent to any recording. Dollars, you must advise us at the time of the transaction. We are not responsible for the exchange rate set by an intermediary or correspondent bank or the receiving bank. Any named trustee may withdraw funds from the Account. (4) Changes We have the right to change the rates and fees in accordance with the Schedule. We will also pay any fees of the arbitrator and arbitration administrator for the first two days of any hearing. (7) Agents For determining the availability of your deposits, every day is a Business Day, except Saturdays, Sundays, and federal holidays. XI. (2) A copy of an Original Check means any paper reproduction of an Original Check, including a paper printout of an electronic image of the Original Check, a photocopy of the Original Check, or a Substitute Check. (8) Our Responsibility for Collecting Deposits If you deposit or cash a check, or we send one for collection, we act only as your agent. We enter the information into our records.