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. The amount of your refund under this procedure is limited to the amount of your loss or the amount of the Substitute Check, whichever is less. INFORMATION ABOUT YOU AND YOUR ACCOUNT. We may accept any Power of Attorney that we believe was executed by you and may act on instructions we receive under such form. 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. Your Available Balance may be positive when a transaction is authorized, but your Current Balance may be negative when the transaction is later presented for payment, which may result in an Overdraft and an Overdraft fee. Such Original Checks must be securely stored (e.g., in a locked cabinet) to prevent unauthorized access to them until they are destroyed, as provided for below. If funds from a deposit become available and you withdraw funds, that does not mean the check or other item you have deposited is good, has cleared, or has been paid by the paying bank. Withdrawals and transfers from your Account may be restricted as provided in any applicable Agreement or Schedule, or applicable law. The subaccounts will be comprised of a savings account and a transaction account. Except to the extent expressly provided for in the Check 21 Regulations, in no event will we be liable for special, incidental, exemplary, punitive or consequential losses or damages of any kind. R. Cash Vault Services and Smart Safe Services. ADDITIONALLY, YOUR SUPPORTED DIGITAL WALLET DEVICES BROWSER IS GENERALLY PRE-CONFIGURED BY YOUR WIRELESS CARRIER. If Account statements are held by us in accordance with a Hold Request or because you fail to provide us with a current address, they will be deemed delivered to you when they are either prepared (if held by us) or delivered to the Statement Call division (if held pursuant to a Hold Request from you), mailed (for return mail), or otherwise made available to you. If your beneficiary is your spouse who is still alive at the time of your death, then the Account will thereafter be treated as your spouses Health Savings Account, and no tax on the Account balance will be due at your death. (1) Your Ability to Withdraw Funds You have even more options for depositing checks, though. If a court or arbitrator finds any provision of the Agreement to be invalid or unenforceable, such finding shall not make the rest of the Agreement invalid or unenforceable. Mifflintown, PA 17059. (3) Certain Direct Deposits Such Electronic Images shall be deemed received by us for deposit based upon time of receipt as well as successful receipt of Electronic Images that are complete, usable, and adhere to the Standards. (2) What are Your Rights Regarding Substitute Checks The Account statement shall be considered correct for all purposes, and we will not be liable for any payment made and charged to your Account, unless you notify us in writing within certain time limits after the statement is made available to you by mail, sent to you at your statement mailing address, made available to you through Online Statement Delivery (if you are enrolled in Online Banking, your statement is available to you as soon as it is posted, free of charge. Q. In the event of termination of Digital Deposits, your rights and responsibilities as well as ours, shall continue through any applicable settlement period, including your responsibility to pay us for Digital Deposits and with respect to transactions processed prior to the effective date of termination. B. We also reserve the right to require additional information, documentation or actions from you or the agent in accordance with our rights to do so under Texas Estates Code Section 751.201 and Sections 751.203 205 to satisfy any questions or concerns we may have regarding a Power of Attorney submitted to us. The filing of this report is in no way meant to imply or suggest that you are engaging in any illegal activity. Some banks will simply convince you to open accounts to avoid a hefty fee-cashing fee. Any written notice we give to you regarding your Account statement is effective when it is deposited in the U.S. Mail, postage prepaid and addressed to you at your statement mailing address. Box 1600, San Antonio, TX 78296, Frost Online Banking users can also report a lost or stolen card online at www.frostbank.com by going to the Frost Online Banking homepage, clicking Account Services and selecting Report a Lost or Stolen Card under Card Management.. For determining the availability of your deposits, every day is a Business Day, except Saturdays, Sundays, and federal holidays. A Digital Wallet is a service offered exclusively by your Digital Wallet provider (e.g., Apple, Google, Samsung) using devices deemed eligible by your Digital Wallet provider. Original Check means the first paper check issued to or endorsed in your favor with respect to a particular payment transaction. The Bank reserves the right as encryption technology develops to impose further reasonable requirements to maintain the appropriate level of security for Digital Deposits and transactions contemplated hereunder and you agree to abide by such requirements. * Locate 1,700+ Frost ATMs and 150+ financial centers. Credit Verification and Reporting Electronic Funds Transfers Generally. Spell out the value on the "Dollar amount" line, with cents expressed as a fraction (e.g., "Nineteen . How much do bankers at Frost Bank make? (2) Notice of Receipt We will notify you of the receipt of payments in the periodic Account statements we provide to you. If your loss exceeds the amount of the Substitute Check, you may be able to recover additional amounts under law. These three companies offer online check cashing services on checks between $5 and $5,000. The rights in this notice do not apply to Original Checks or to electronic funds debits from your Account. We will generally notify you if we delay your ability to withdraw funds for any of these or other reasons, and we will attempt to tell you when such funds will be available. Electronic Deposit means a file that contains information regarding each Electronic Image(s) to be submitted by you to Bank that meets all of the requirements imposed from time to time by Bank as set forth in this Agreement and the Documentation. The Bank will replace the Security Procedures in accordance with the Banks standard security requirements related to Digital Deposits. Walmart also has reasonable fees at $4 for a check under $1,000 and $8 for anything over that limit. (Cash consists of currency and coin, both domestic and foreign.). What if I do not want to provide the Bank with this information? A. 5 business days after the day of the deposit. 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. In addition, the Bank is required to examine and record at least one (1) form of identification. Frost Bank recognizes and respects our customers right to privacy and security concerning their financial information. All third-party intellectual property marks, including the logos of merchants, are the property of their respective owners. You agree to keep your Account information confidential, up to date, and accurate. Your stop payment order will not be effective if we have already certified, paid or otherwise become responsible for the check. Please feel free to call us at 1-800-513-7678. Investments. Like cashing a regular check, cashing a money order is a relatively simple procedure. If any amount deposited must be returned to the government for any reason, you authorize us to deduct the amount from your Account as provided in the Final Payment paragraph above. You understand and acknowledge that no court or other judicial body will have any authority to designate or appoint any arbitrator. "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. 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. You further agree to notify us in writing of any changes in the person(s) authorized to act on behalf of the Account Holder, and change in the business entitys certificate of incorporation or other organizational document, or the form of ownership. In addition, you will not have an ownership interest in the Account. We will also provide you with an estimate of when the funds will be available. Fees. B. Are banks required to report cash transactions over a certain amount? As part of the Security Procedures, Bank may employ various authentication technologies, including, but are not limited to, use of Online Banking Services user IDs, passwords and other AAI that Bank may require you to provide at Banks sole discretion. D. Limitation on Liability You have overdrawn your Account repeatedly in the last six months. If we are required by state law not to honor a postdated check after advance notice from you, you agree to give us advance notice early enough for us to act on it, to do so in writing, and to specify the date, exact amount, and number of the check, along with the name of the payee. We urge you to carefully read the Agreement and keep it for future reference. (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. (ii) Single-Party Account with P.O.D. Usually, when you deposit a check, you first need to sign the back of it. C. Consent to Autodialed and Prerecorded Phone Calls and Text Messages; Consent to Fraud Alert Text Although we usually pay withdrawals or checks without notice on your Account, doing so does not mean that we give up our right to require you to provide such prior written notice. 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). Flammable liquids, fireworks, or other corrosive items are not allowed on the Premises, and hover boards or electronic scooters are not allowed in the interior of any Premises. 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. However, the amount on your deposit receipt is based only on the deposit slip you complete. The Wallet allows you to make purchases using an added Payment Card wherever the Wallet is accepted. (1) Your Ability to Withdraw Funds These provisions apply only to demand deposit checking Accounts where deposits are made via Digital Deposits. The Bank is required to examine and record at least one (1) form of identification. Types of Account Ownership If the check you are endorsing doesn't have this, be sure to write 'For Mobile Deposit Only' or the version of this statement that your bank requires under your signature.". You have the right, at your own expense, to employ separate counsel to participate in such matter on a non-controlling basis. We may send checks to any bank or directly to any non-bank drawee in our customary manner. Head to the bank. 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. AnytimeCheck: Best for Businesses. If you have cash exceeding $10,000, it is best to conduct the transaction and have the Bank file the required CTR. Frost does not own, operate, or control any Digital Wallet and is not responsible for any service provided to you by your Digital Wallet provider or by any third party engaged by your Digital Wallet provider. (1) ATM and Debit Card Transfers and Limitations Customer may not remove currency from the Smart Safe once is has been inserted. The arbitrator(s) will decide the dispute in accordance with applicable Texas law, including recognized principles of equity and statutes of limitations, statutes of repose and conditions precedent to suit, and will honor all claims of privilege recognized by law. (15) Check Legends The arbitration may not be consolidated with any other arbitration proceeding. (2) General Information These provisions apply to electronic fund transfers involving Personal Accounts. (11) Preauthorized Drafts If you voluntarily give information about your Account (such as our routing number and your Account number) to a party who is seeking to sell you goods or services for payment of such goods and services, even if you do not physically deliver a check to the party, any debit to your Account initiated by the party to whom you gave the information is deemed authorized by you, to the extent allowed by law. F. Checking Subaccounts If you do not have a separate written agreement with us granting you the ability to create Substitute Checks, then you can only deposit Substitute Checks or any IRD that purports to be a Substitute Check if such Substitute Checks have already been endorsed by a bank. Please note that you'll still be able to view the current page on frostbank.com. P.O. Each renewal of a stop payment order will be treated as a new stop payment order. 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. 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. You understand, acknowledge and agree that installation, maintenance and operation of your personal computer or mobile device (hardware and software) and related Security Procedures that you adopt and follow, including, but not limited to, data security protection, firewalls and anti-virus software, is your sole responsibility, and that you are solely responsible for securing, encrypting, protecting and otherwise safeguarding the data owned by you. Online. Bank reserves the right to refuse to provide provisional credit for any Smart Safe deposits at its reasonable discretion. Wire Transfer shall have the same meaning assigned to that term by Regulation CC. Any receiving financial institution (including us) is entitled to rely on any Account or bank number you have provided even though that Account or bank number may identify a party different from the person or entity you have described by name in any transfer order. Does your employer use positive pay so the issuing bank can know that the check was produced by your employer at the teller line? In no event shall we be liable to you for any losses arising from currency conversions requested by you and carried out by us within a reasonable time after receiving funds for conversion. (15) Check Legends We may disregard information on any check or item other than the signature of the drawer, the identification of the drawee financial institution and payee, the amount, the endorsements, and any other information that appears on the MICR line. You should also revoke your authorization for pre-authorized debit card transactions you may previously have provided to a merchant. 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. Disruptive conduct of any nature by a Frost Bank customer will not be tolerated on the Premises, and such conduct will result in ejection of the disruptive Frost Bank customer from such Premises. Our acceptance of a stop payment order will not constitute a representation that the check has not already been paid or that we have a reasonable opportunity to act upon the order. THE AGREEMENT FOR YOUR ACCOUNT With the exception of checks and other items where the payor has required two or more endorsements, you authorize us to supply missing endorsements. 2. 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. (Required Disclosures Under Electronic Funds Transfer Act and the Consumer Financial Protection Bureaus Regulation E). Use of the savings subaccount as a holding account may resume at the beginning of the next statement period. Any written notice we give to you is effective when it is deposited in the U.S. mail, postage prepaid and addressed to you at your mailing address as described in subsection VI.S.1. Upon our request, you will supply us a copy of any trust agreement covering the Account. Walmart. Q. Furthermore, you are explicitly authorizing us to pay any and all checks presented against your Account which contain any mechanical signature which reasonably resembles the Mark you have adopted: Regardless of whether the Mark is actually that which you have adopted; Regardless of how or by whom the Mark was affixed; and. In addition, you agree that we do not fail to exercise ordinary care in paying an item solely because our procedures do not provide for the sight examination of items with a face amount below an amount determined solely by us from time to time. 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. If the third arbitrator is jointly selected by your and the Banks designees or by the AAA or like organization, that third arbitrator shall have these same industry or legal experience or credentials described above. Why are banks required to obtain this information on cash transactions over Required Disclosures Under Electronic Funds Transfer Act and the Consumer Financial Protection Bureaus Regulation E, (1) ATM and Debit Card Transfers and Limitations . Unless otherwise set forth in this Agreement, the Texas Business and Commerce Code shall govern liability for any losses regarding your Business Account. (iii) Periodic Statements You will get a monthly Account statement from us, unless there are no transfers in a particular month. When you get the form it is up to the bank. They might provide it right away or send it to you at the end of . Withdrawals can be made for free at a Frost Bank ATM, of which there are over 1,200 in Texas, though the number of withdrawals is limited for some types of accounts. K. Time Deposits You acknowledge that you are solely responsible for the adequacy of systems and software utilized by you to process banking transactions and the ability of such systems and software to do so accurately. 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. There are limits on how much you can cash at Walmart. If you and your spouse have this type of Account and desire the spouse to have right of survivorship in those funds upon the death of either spouse, you each will need to choose the Multiple-Party Account With Right of Survivorship designation on the Texas Uniform Single- or Multiple-Party Account Selection Form according to Section 113 of the Texas Estates Code. (3) We will not be liable for any Substitute Check that is altered or any signature that is forged or unauthorized unless you notify us within forty (40) calendar days after we made the statement available to you by mail or made the statement available to you through Online Statement Delivery or pursuant to a Hold Request. If you use any Mark, you agree to deliver a sample to us upon our request. In any of these events, you agree that our sole obligation shall be to provide notice of our termination of Digital Deposits to you, and that such notification will be reasonable if it is mailed to your statement mailing address immediately upon termination. This estimate is based upon 62 Frost Bank Personal Banker salary report(s) provided by employees or estimated based upon statistical methods. Our policy is generally to make funds from your Digital Deposits available to you on the first Business Day after the day we receive your deposit. 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. To sign a . S. Notices Ask about any fees for cashing the check and less expensive options for getting your money. 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. The filing of a CTR is a common and routine event for all banks. Some of the top banks and credit unions where you can cash third-party checks include the Bank of America, Citibank, HSBC, Chase, M&T, and Chartway Federal Credit Union. (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. Q. A sole proprietorship may open a Single- Party Account and may contain a P.O.D. F. Frost Bank Property, Branch and ATM Code of Conduct, IV. 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. We may pay the withdrawal and may charge your Account for it. If the mediation is not successful or completed within the thirty (30) calendar day timeframe stated above, the Parties will proceed to binding arbitration. No assignment will be valid or binding on us, and we will not be considered to have knowledge of it, until we consent and the assignment is noted in our records. While these electronic debits are listed on your Account statement, the electronic debit of the funds from your Account will not appear under the Checks Paid section of your monthly statement. All disputes arising from or related to your Account or this Agreement shall be governed by the substantive laws of the State of Texas (without regard to its conflict of laws principles). 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. Either you or we may close your CD Account on any maturity date without cause, and we may close your CD Account prior to any maturity date if such CD Account is pledged as loan collateral or as otherwise necessary to satisfy any debt owed to us. Once the Account information for a Payment Card has been stored in accordance with the Digital Wallet procedures, it is represented by a Mobile Card within the Digital Wallet function. If you do not want us to pay a post-dated check, you must place a stop payment order on it (see Sections VI.H. Original Checks or other items previously converted to a Substitute Check. If any capitalized term defined below is used in the provisions of Regulation CC (Vol. We reserve the right to convert or change your Account type at any time when we consider it appropriate or necessary to do so. FROST DISCLAIMS ANY RESPONSIBILITY FOR THE DIGITAL WALLET OR ANY WIRELESS SERVICE USED TO ACCESS, USE OR MAINTAIN A MOBILE CARD OR ACCESS THE DIGITAL WALLET SERVICE. Write the numeric value of the check in the box with a dollar sign (e.g., "19.99). Funds from cash and electronic direct deposits will generally be available on the day we receive the deposit. How To Log In To Your Frost Bank Account From a Mobile Phone or Tablet. Physical customer records are stored in a secure location and protected by Security Procedures at all times. If you cash out your paper I bonds at a bank, the bank may provide the 1099-INT form. If you, as well as your employees, agents or Third Parties (if a Business Account Holder), have reason to believe that any Security Procedure has or may have become known by unauthorized persons (whether or not employed by you), you shall immediately notify the Bank by telephone and confirm such oral notification in writing to the Bank within twenty-four (24) hours of the oral notification. Bank service fees and Bank penalty fees are processed within each fee category, from the lowest dollar amount to the highest dollar amount, with Bank service fees processed first. I am a member over 10years. Frost Bank Credit Card login: can check the location in Texas account customers and expand overdraft to be available to all Frost Plus & Frost personal account. 6pm local time (8pm local time at deposit envelope ATMs) PNC Bank. It is possible that the item will be returned unpaid months or longer after we have made the funds available to you and you have withdrawn them. 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). 1.0% of the check amount ($3 minimum and $25 maximum) M&T Bank. Interest that has been calculated, but not paid to the Account, is called accrued unpaid interest.. For example, we may close, revoke privileges or convert your Account to another type of Account if we think another type of Account would better suit the way you use your Account, if you make frequent transactions on a money market deposit or savings Account, if your Account frequently has debits against uncollected funds, if your Account has excessive deposit activity or if you use a Personal Account for anything other than personal, family or household purposes. E. Business Account means any Account that is not used primarily for personal, family or household purposes. 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. You understand that in all cases, during the reasonable period of time described above, you are solely responsible for safeguarding all items you retain as required or permitted by Digital Deposits from destruction, alteration or theft. You agree that, unless a different period is set forth herein, any claim, action, suit or proceeding against Frost for damages resulting in any respect from its acts or omissions in its performance under this Agreement must be brought within two (2) years from the date of Frosts alleged act or omission.

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