We will not be liable for any actions of the convenience signer until we have received either notice of the Account owners death, or written notification of the revocation of the convenience signers authority, and have had a reasonable time to act on such notice. No, the IRS does not directly check your bank account. On the sixth (6th) transfer from the savings subaccount to the transaction subaccount during a given statement period, all of the funds on deposit in the savings subaccount will be automatically transferred to the transaction subaccount. Such equipment and Processing Software is required to enable you to generate Electronic Images of Original Checks that comply with applicable Standards, as defined below. Frost Bank may also exercise its right to deny entry to the Premises to any Frost Bank customer or other person what is identified as being disruptive or a threat to Frost Bank employees, Frost Bank customers, or others. (8) Our Responsibility for Collecting Deposits (3) Initial Interest Rate (2) What are Your Rights Regarding Substitute Checks In certain cases, federal law provides a special procedure that allows you to request a refund for losses you suffer if a Substitute Check is posted to your Account (for example, if you think that we withdrew the wrong amount from your Account or that we withdrew money from your Account more than once for the same check). We may pay any sum in the Account to a Party, including a Partys Power of Attorney or agent, at any time. 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. This Agreement, together with specific terms and conditions governing your Account(s), provided separately, details our relationship with you. (10) Stop Payments on ATM, POS, or Debit Card Transactions . We may accept for deposit checks payable to any signer on your Account when endorsed by any other signer. You might not be able to cash a check at any bank, but you can cash one at most banks and credit unions. If you conduct a debit card transaction during Stand-In Mode, balance information may not be accurate due to system maintenance. Your Digital Wallet provider, in its sole discretion, determines which Mobile Devices are eligible to be used with the Digital Wallet. Wire Transfers and Automated Clearing House (ACH) Transactions. 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. Deposit at an ATM onto a pre-paid card account or checkless debit card account. 6pm local time (8pm local time at deposit envelope ATMs) PNC Bank. We may not provide this notice to you prior to placing a Hold on your Account(s) if we believe that such notice could result in a security risk to us or to the owner of the funds in the Account. You agree to indemnify and hold us and our correspondent banks harmless against any and all losses, damages, claims, liability, costs, and expenses which we or they may suffer arising directly or indirectly out of the misuse, unlawful or unauthorized use of the Mark, regardless of whether you have been negligent. 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. We reserve the right to convert or change your Account type at any time when we consider it appropriate or necessary to do so. All costs and expenses associated with the negotiation of the dispute shall be paid by the Party incurring such cost or expense. THE FOREGOING LIMITATIONS WILL APPLY EVEN IF THE ABOVE STATED REMEDY FAILS OF ITS ESSENTIAL PURPOSE. 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. You agree that you will not use any third- party materials associated with the Mobile Card(s) or the Digital Wallet Service in a manner that would infringe or violate the rights of any party, and that Frost is not in any way responsible for any such use by you. (3) If your Account is a Personal Account, then these electronic debit transfers are governed by the Electronic Funds Transfer Act and the Consumer Financial Protection Bureaus Regulation E (Regulation E), and all electronic checks (both debits and credits) are also governed by the Operating Rules and Operating Guidelines of the National Automated Clearing House Association (NACHA) and are also subject to the separate Frost Bank Electronic Funds Transfer Agreement and Disclosure as described in Section X.B. During this maintenance window, you may have limited transaction capabilities. You agree not to disable any of these security features and to use these security features and procedures to safeguard all your Mobile Cards. You view exceptions each morning and decide to pay or return the item. A. However, if we need more time, we may take up to forty-five (45) calendar days to investigate your complaint or question. Obtain balance information for your checking or savings Account. Q. We may close your Account (other than a CD) at any time for any reason or no reason. (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. Frost Bank is committed to providing you robust fraud protection services and tools. In addition, the Bank is required to examine and record at least one (1) form of identification. A Substitute Check that you receive is the legal equivalent of an Original Check for all purposes. The arbitrator can award damages or other relief provided for by law to you or Frost, but not to anyone else. These electronic funds transfers are generally governed by regulations issued by the Federal Reserve Board of Governors. A. 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. 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. (7) Adjustments and Receipts We may rely on the Account number of any deposit slip or similar record we receive, even if that Account number is associated with a name that is different from the name you have provided. 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. INFORMATION ABOUT YOU AND YOUR ACCOUNT Sufficient Copy means: (1) A sufficient copy is a copy of an Original Check that accurately represents all of the information on the front and back of the Original Check as of the time the Original Check was Truncated or is otherwise sufficient to determine whether or not a claim is valid. Q. You acknowledge that the purpose of Security Procedures is to authenticate the identity of the person initiating the action, not to detect errors in any transmission or content. The Personal Checking account requires $25 to open and earns interest on balances higher than $5,000. You may not rent, lease, lend, sell, redistribute or sublicense the Mobile Card or the Digital Wallet Service. If we do not have current exchange rates for the particular foreign currency involved, we will use our best efforts to promptly convert the currency through reasonable commercial and/or banking channels, and you agree to pay us a reasonable fee for such services. O. You understand that information that is provided to or held by your Digital Wallet provider or other third parties in relation to any Digital Wallet is outside the control of Frost. immediately, if you deposit the cheque in person with a teller or bank employee. The interest rate and annual percentage yield may change at any time at our discretion. Either you or Bank may terminate Digital Deposits, with or without cause, upon thirty (30) calendar days written notice to the other of its intent to do so, sent to you at your statement address and sent to us at the address provided herein. 5 business days after the day of the deposit. Currency will only be removed from the Smart Safe by an authorized Smart Safe Vendor representative. By entering into this Agreement and providing Frost with your valid mobile number (whether or not you have indicated to Frost it is a mobile number) and valid email address that Frost keeps on record for you, you understand and agree that Frost or Frosts third-party service provider will send such fraud alert messages to both your current mobile phone number (via text message) and current email address as part of such fraud prevention service. 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. 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. A. (14) Electronic Checks You may give a merchant information about your checking Account over the phone or over the Internet and authorize them to create an electronic withdrawal from your Account. In addition, federal statute permits us to report information about your Account to credit bureaus, and you hereby consent for us to do so. 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. Call a Frost Representative and talk to a real person at (800) 513-7678. For example, Chase offers a prepaid card for a monthly fee of around $5. 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.". Pay and get paid from other Frost accounts in seconds using only your phone number, make local transfers instantly . Fees and Charges You may close your Account by notifying us at any time, except that we may require you to give us seven (7) days advance notice when you intend to close your savings or interest bearing checking Account by withdrawing funds. We will also provide you with an estimate of when the funds will be available. Be sure to ask your bank or credit union for this policy. The panel will reconsider all factual and legal issues following the same rules of procedure and, based on majority vote, determine whether any reversible error has occurred. You understand we will process only your Electronic Images that comply with the Standards and are Sufficient Image Copies, and we will use commercially reasonable efforts to present these Sufficient Image Copies for collection under the Check 21 framework. E. Business Account means any Account that is not used primarily for personal, family or household purposes. We cannot facilitate any transactions involving any individuals or entities that are listed on the United States Department of Treasurys Office of Foreign Assets Controls Specially Designated Nationals and Blocked Persons List.. (Account Termination) of this Agreement to close such Frost Bank customers Account(s). C. Representations and Agreements; Indemnity K. Changes to Digital Wallet Service Terms What information is the Bank required to obtain from me for this type of cash transaction? (6) Our Right to Refuse Deposits We may refuse a deposit, or part of a deposit, to your Account at any time. (8) Signatures You may place a stop payment on certain future recurring pre-authorized debit card transactions by providing us your debit card number, merchant name, and transaction amount. (15) Check Legends Unlike cash, which can only be deposited in a branch or at an ATM, checks can often be deposited through a bank or credit union's mobile app. 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. 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. Daily Balance means the application of a daily periodic rate to the full amount of principal in the Account each day. 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