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that the item will be returned unpaid months or longer after we have made the funds available to you and you have withdrawn them. The Bank must have the full name of the business, the permanent address and the federal employer identification number/Tax Identification Number. You agree that we may return a postdated check to the presenter. 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. While we may accept non-conforming endorsements, you will be responsible for any loss incurred by us due to the delay in processing or returning the item for payment. You bear the sole responsibility for any and all costs of complying with required data breach notifications to individuals, credit bureaus and/or governmental entities as required by applicable law, and any and all costs for credit report monitoring of fraud monitoring associated with such security breach incident. Original Check means the first paper check issued to or endorsed in your favor with respect to a particular payment transaction. You may remove one (1) or more of your Mobile Cards from your Digital Wallet at any time by following the instructions in your Digital Wallet or by calling the number on the back of your Payment Card. 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'll have the most success with a government-issued or payroll check, but you may be able to cash small personal checks as well. For example, we cannot stop payment on a check we have already cashed or a deposited check where funds have already been withdrawn. (Right of Setoff). These three companies offer online check cashing services on checks between $5 and $5,000. If you have selected Online Statement Delivery as your statement preference, you will receive a notification when your statement is posted. If we are unable to place a stop payment on a transaction for any reason, you must cancel the card. Are banks required to report cash transactions over a certain amount? Frost Online Banking Services for Personal and Business Accounts 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. If we refuse a deposit, we may take the check on a collection basis, which means we wont add funds to your Account until we have actually been paid for the check. 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. We will mail notice to you at least twenty one (21) calendar days before the effective date of any change, as required by law. 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. (4) How to Notify Us Q. D. Limitation on Liability Or, deposit your checks at KeyBank ATMs or in the app with mobile check deposit. You agree to hold us harmless for: (1) refusing to honor any check or other item presented to us for payment on a closed Account; (2) refusing to collect any check you have deposited in your Account, to collect any check you have deposited to your closed Account, or to accept any automated deposit or electronic funds transfer to your closed Account; (3) assessing any service charge otherwise applicable against any remaining balance in your Account; and (4) retaining all funds in the Account until we are reasonably satisfied that the time for items to be returned to us has lapsed and that all remaining funds are fully collected. (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 agree to be bound by any payment order for any Wire Transfers or other transfers not governed by the Electronic Funds Transfer Act, whether or not such payment order is authorized, issued in your name and accepted and executed by us in compliance with any commercially reasonable Security Procedures as mutually agreed to by you and us. C. Mobile Device and Wireless Internet Access, VI.DEPOSIT ACCOUNTS 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. Frost does not currently charge any fees for using the Digital Wallet Service. After the Account is closed, we have no obligation to accept deposits or pay any outstanding checks on that Account. This estimate is based upon 62 Frost Bank Personal Banker salary report(s) provided by employees or estimated based upon statistical methods. 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. A. (i) Stop Payment Rights If you have told us in advance to make regular electronic funds transfers or ACH transactions out of your Account(s), you can stop any of these payments. E. Withdrawal Rules This is due to a law known as the Bank Secrecy Act, which requires financial institutions to report transactions over a certain amount to the IRS. Wire Transfers and Automated Clearing House (ACH) Transactions. A. (4) Changes We have the right to change the rates and fees in accordance with the Schedule. 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. If you do not accept any revisions made to these terms, your sole and exclusive remedy is to cancel your use of and delete all Mobile Card(s) and to cease using the Digital Wallet Service. We are here to answer any questions you may have about this Agreement or about your Frost Bank Account (s). If you ask us to follow instructions that we believe might expose us to any claim, liability, or damages, we may refuse to follow your instructions or may require a bond or other protection, including your agreement to indemnify us. A MOBILE CARD AND THE DIGITAL WALLET SERVICE ARE LICENSED, NOT SOLD, TO YOU FOR USE ONLY UNDER THE TERMS AND CONDITIONS OF THESE TERMS OF USE. Section 408 or Title 26 U.S.C. Any action by us for reimbursement from you for any costs or expenses may also be made against your estate, heirs and legal representatives, who shall be liable for any claims made against and expenses incurred by us. No such amendment will apply to any dispute with you arising, or arising out of events occurring, prior to such amendment or notice, as to which we receive timely notice. FROST, ON BEHALF OF ITSELF AND FROSTS SUPPLIERS, ALSO DOES NOT WARRANT AGAINST INTERFERENCE WITH YOUR ENJOYMENT OF ANY MOBILE CARD OR THE DIGITAL WALLET SERVICE, OR THAT THE FUNCTIONS CONTAINED IN, OR SERVICES PERFORMED OR PROVIDED BY, A MOBILE CARD OR THE DIGITAL WALLET SERVICE WILL MEET YOUR REQUIREMENTS, THAT THE OPERATION OR AVAILABILITY OF A MOBILE CARD OR THE DIGITAL WALLET SERVICE WILL BE UNINTERRUPTED OR ERROR- FREE, OR THAT DEFECTS IN A MOBILE CARD OR THE DIGITAL WALLET SERVICE WILL BE CORRECTED. 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. FROST DOES NOT OPERATE THE DIGITAL WALLET OR SUCH NETWORKS AND HAS NO CONTROL OVER THEIR OPERATIONS. FROST WILL NOT BE LIABLE TO YOU FOR ANY CIRCUMSTANCES THAT INTERRUPT, PREVENT OR OTHERWISE AFFECT THE FUNCTIONING OF ANY MOBILE CARD, SUCH AS UNAVAILABILITY OF THE DIGITAL WALLET OR YOUR WIRELESS SERVICE, COMMUNICATIONS, NETWORK DELAYS, LIMITATIONS ON WIRELESS COVERAGE, SYSTEM OUTAGES, OR INTERRUPTION OF A WIRELESS CONNECTION. Call a Frost Treasury Management Representative Monday - Friday from 7am - 6pm CST at (888) 481-0336. (iii) Periodic Statements You will get a monthly Account statement from us, unless there are no transfers in a particular month. We may accept for deposit checks payable to any signer on your Account when endorsed by any other signer. (Federal regulations require us to retain the right to require all savings and all NOW Account Holders to give seven (7) days written notice before making a withdrawal.) If you will need the funds from a deposit right away, you should ask us when the funds will be available. For two-party personal checks, the limit is $200, and for all other checks, it's $5,000though Walmart does increase this to $7,500 from . In addition, we are not responsible to take action on, or otherwise to notify you of restrictive language placed on checks or other items, including, but not limited to, terms such as Void after 90 Days, Paid in Full, Two Signatures Required, Void Over $100 or similar statements. If your use of a mobile phone, mobile device, tablet, wearable device, or wireless Internet access is not encrypted, then any confidential Account information contained in such wireless or mobile communications can be intercepted without your knowledge or authorization. If the Account is a Personal Account, then these transfers are governed by the Electronic Funds Transfer Act and Regulation E, and are also governed by the NACHA Operating Rules and Operating Guidelines and are also subject to the separate Frost Bank Electronic Funds Transfer Agreement and Disclosure as described in Section X.B. If you have not made a withdrawal from, or a deposit to, your Account for an extended period of time and we have been unable to contact you, your Account may be classified by us as dormant Account. The terms of the license will govern any upgrades provided by Frost that replace or supplement any Mobile Card, unless such upgrade is accompanied by a separate agreement in which case the terms of that agreement will govern. Please notify us if we report any inaccurate information about your Account(s) to a consumer reporting agency. (a) Multiple-Party Account without Right of Survivorship If this is the type of Account you have with us, then you own the Account in proportion to your net contributions to the Account. Frost Bank is located in San Antonio, Texas, and that is where your Account was opened and is maintained. Once such data owned by you is delivered by Bank to you, retrieved by you from Bank, or otherwise created as a by-product of a transaction between you and Bank and retained by you, such data owned by you is solely within your possession and control. Such mediation will be scheduled to take place within thirty (30) calendar days after the notice is given. In addition, we may report to the IRS multiple cash transactions which together total more than $10,000 in any one 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. Account statements sent or made available to any Account Holder are deemed to be received by all Account Holders. Accordingly, except to the extent that any warranties deemed given under the UCC as adopted in the Texas Business and Commerce Code are expressly superseded by the Check 21 Act or the Check 21 regulations, you understand that you are deemed to give us all the same warranties you would have given under the UCC as adopted in the Texas Business and Commerce Code for the deposit of an Original Check by transferring to us: (1) any Substitute Check; (2) an Image Replacement Document (IRD) or other item purporting to be a Substitute Check; or (3) any Electronic Image that purports to contain a Sufficient Copy of an Original Check or a Substitute Check. F. Frost Bank Property, Branch and ATM Code of Conduct Monthly Service Charge. The 615 ATMs at Valero Corner Stores, added to 469 ATMs operated by Frost Bank, will boost Frost's overall ATM network in Texas to 1,084. You expressly acknowledge and agree: (1) our implementation of your Hold Request means any Account statement received and held by us per your Hold Request is deemed delivered to you as of the date the statement is first made available and delivered to the Statement Call division, regardless of when you physically pick up the statement from us; (2) you are solely responsible for reviewing any Account statement(s) for which you have made a Hold Request; and (3) a Hold Request does not delay, postpone or otherwise affect or modify any provisions of this Agreement regarding your responsibilities and relevant deadlines for notifying us of any Account statement irregularities or potentially unauthorized, erroneous or fraudulent transfers, and any time period for any applicable notice deadline begins running when the statement is first made available to you, which, in the case of any Hold Request, is the date the Statement Call division receives the statement. However, there are online check cashing options availablelike PayPal, Venmo, and Ingo Money. If the amount of the Smart Safe deposit as verified by the Smart Safe Vendor differs from the amount of the Smart Safe deposit reported to Bank, Bank will debit or credit customers Account as necessary to reflect the amount of the Smart Safe deposit as verified by the Smart Safe Vendor. (5) Stale Checks A. Except as limited by law, you agree to pay us the fees and charges shown in the Schedules applicable to your Accounts and for other services we perform. If you want to transfer ownership, we may require that you close the Account and open a new Account in the name of the transferee or pledgee. 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. We are required to honor items drawn only on the listed Account name. If a problem arises with the product or service you purchased through use of the Mobile Card, you first should try to resolve the problem directly with the merchant, but you may also have rights under your card member agreement or otherwise under applicable law. 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. Telephone: (800) 513-7678, In writing: Obtain balance information for your checking or savings Account. On your death, ownership of the Account passes to the payable-on-death (P.O.D.) beneficiaries you have designated. How To Log In To Your Frost Bank Account From a Mobile Phone or Tablet. You agree that if we pay the check, the check will be posted to your Account on the date we pay the check, even though the posting date is prior to the date shown on the check. In order to utilize the Smart Safe Services, customer must contract with a Bank-approved third party service provider (the Smart Safe Vendor) for currency removal, validation and transportation services. (iii) Right to Revoke Authorization for Pre-Authorized Transfers You may revoke your authorization for any payee to originate pre-authorized transfers from your Account by giving us written notification. Bank shall not be liable to customer as an insurer of such property. (1) Provisional Payment Credit we give you with respect to an ACH credit or Wire Transfer entry is provisional until we receive final settlement for such entry through a Federal Reserve Bank. If your Account is overdrawn when closed, you agree to pay immediately all amounts you owe to us. If you change any phone number you have provided to Frost or any Frost third-party service provider, for any reason, you agree to immediately notify Frost to ensure that the above communications are not interrupted or inadvertently delivered to another recipient who may be reassigned your prior phone number. (Required Disclosures Under Electronic Funds Transfer Act and the Consumer Financial Protection Bureaus Regulation E). Checks or items dated more than six (6) months prior to the date of deposit. If you conduct a debit card transaction during Stand-In Mode, balance information may not be accurate due to system maintenance. We are not required to determine your Current Balance more than one (1) time during this period. 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. 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