We may choose, in our sole discretion, to offer interest-bearing Personal Accounts, and interest-bearing Business Accounts (Accounts for sole proprietors, business partnerships, professional associations, limited liability companies, for-profit corporations, non-profit entities and governmental units). Soliciting money or distributing literature on the Premises is not allowed at any time. 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 may change your phone number by following the steps outlined at www.frostbank.com. It does offer many benefits, including free access to 1,200 ATMs throughout Texas, free online/mobile banking, and a free Visa checkcard. 2. (iii) Totten Trust Account If you, either alone or in combination with someone else, are named trustee(s) to this type of Account, then you own the Account in proportion to each of your net contributions to the Account. (3) Notice Requirements (13) Re-presented Checks (3) Holds on Other Funds (Check Cashing) We may change the categories or the processing order of one (1) or more of the categories at any time without notice to you, provided that such categories and processing order comply with applicable law, rule or regulation. Physical customer records are stored in a secure location and protected by Security Procedures at all times. 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 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. A Partys invocation of the dispute resolution provisions under this Agreement will apply without limitation, regardless of whether: (i) your Account is closed; (ii) you pay us in full any outstanding debt you owe; or (iii) you file for bankruptcy. Effective August 7, 2022 Q. 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. The mediation itself as well as the outcome of mediation shall be kept strictly confidential. ACCESS, USE AND MAINTENANCE OF A MOBILE CARD DEPEND ON THE DIGITAL WALLET AND THE NETWORKS OF WIRELESS CARRIERS. A copy of the Substitute Check or the following information to help us identify the Substitute Check: the check number, the name of the person to whom you wrote the check, and the approximate amount of the check. (5) Error Resolution Procedures 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. (i) Account Access you may use your card and PIN to: Withdraw money from your checking or savings Account; Make deposits to your checking or savings Account; Transfer funds between your checking and savings Accounts; Pay for purchases at places that have agreed to accept the card; and. Frost does not currently charge any fees for using the Digital Wallet Service. Access to individual identifiable records of customers is limited to employees with a valid business reason for such access. Cash the check at a check-cashing store. Additional definitions regarding Digital Deposit terms are contained in Section VII (Digital Deposits). (10) Facsimile Signatures Should you desire to utilize Digital Deposits (Banks remote deposit capture services), you must request such services from Bank either in person, via telephone or via the applicable Internet banking services (e.g. On your death, ownership of the Account passes to the payable-on-death (P.O.D.) beneficiaries you have designated. We may refuse items for deposit when an endorsement is missing if the payor has required two or more endorsements. F. Frost Bank Property, Branch and ATM Code of Conduct YOU UNDERSTAND AND AGREE THAT YOU WILL BE RESPONSIBLE FOR MAINTAINING SECURITY AND CONTROL OVER ALL USER IDS AND PASSWORDS PROVIDED BY BANK, AND SHALL USE SECURITY FOR SUCH ITEMS COMPARABLE TO THE SECURITY AND CONTROL YOU WOULD USE FOR CASH, BUT IN NO EVENT LESS THAN REASONABLE SECURITY AND CONTROL IN THE CIRCUMSTANCES. When exchanging customer information with third-party processors, we enter into confidentiality agreements with respect to customer data. Checks used in these types of transactions will not be returned with your statement. If you are the agent, then you have the authority to conduct transactions on the Account, except that the agent may not pledge or otherwise create a security interest in the Account. Frost reserves the right, for any reason, to discontinue offering or supporting any Mobile Card and/or the Digital Wallet Service. 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. B. In addition, you acknowledge that the Electronic Image of the Original Check submitted to us shall be deemed an item within the meaning of Article 4 of the UCC as adopted in the Texas Business and Commerce Code. Q. Such phone calls and text messages may include auto-dialed phone calls and text messages, prerecorded phones calls and text messages, or both. 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. If you fail to destroy the Original Check within thirty-one (31) calendar days following the date of deposit, you agree you are responsible for any losses arising from the loss, theft or misuse of any Original Check. 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. You authorize us to deduct any such loss, costs, or expenses from your Account without prior notice to you or to bill you separately, in our sole discretion. In addition, Frost also utilizes certain geo-location fraud prevention services. 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. 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). recipient) as required by OFAC and the United States Department of Treasurys Financial Crimes Enforcement Network. (1) Cash Vault Services Requirements: Photo ID. 1. A description of the transaction will appear on your statement. If final payment is not received or if any item you have deposited or cashed is charged back to us for any reason, you authorize us to charge any of your Accounts, without prior notice and at any time, for the amount of the returned item, our returned item fee, any interest paid on that item, and any other fee we pay or incur, including, if applicable, foreign exchange fees or charges resulting from checks or drafts drawn on foreign banks. S. Notices If you claim the right to receive the dollar amount of a lost, stolen or destroyed cashiers check, tellers check or certified check, your and our rights and obligations with respect to such lost, destroyed or stolen item shall be governed by Article 3 of the UCC as adopted in the Texas Business and Commerce Code including, without limitation, Section 3.312 of the Texas Business and Commerce Code. If you fail to notify Frost, you may be liable for all or a portion of the losses associated with unauthorized use of your Payment Card whether or not that use was through the Digital Wallet Service. 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. If feasible, any such offending provision shall be deemed to be modified to be within the limits of enforceability or validity; however, if the offending provision cannot be so modified, it shall be stricken and all other provisions of the Agreement in all other respects shall remain valid and enforceable. Free for personal checks; $3 for business checks under $100 and $5 for business checks of $100 or more. Just open up the app. This includes the individuals/organizations full name, permanent street address, Social Security Number, Taxpayer Identification Number, other identification numbers (such as drivers license, ID or passport), date of birth (if applicable), and business, occupation or profession. (Notice of Amendments). Upon termination of the license, you must cease all use of the Digital Wallet Service and Mobile Card and delete all Mobile Card(s) from the Digital Wallet Service. What information am I required to provide to the Bank to complete a CTR? You have overdrawn your Account repeatedly in the last six (6) months. We are committed to maintaining the confidentiality and security of our customers financial information, which is consistent with Frost Banks values and commitment to customer service. We strongly encourage you to review the Security Procedures, requirements and recommended practices in your applicable agreement and disclosure and any supporting documentation regarding Frost Bank Online Banking Services, which includes Mobile Banking Services and Banks remote deposit capture services, Digital Deposits., C. Mobile Device and Wireless Internet Access. Everything time I come with a check that is a large amount to cash or deposit there is always a hold or an approval I have to wait on. The following terms apply to withdrawals from your Account(s): (1) Manner of Withdrawal You may make withdrawals from your Account in any manner that is permitted by us for the type of Account you have. Investments. 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