End of business day (no earlier than 2pm) No earlier than 12pm (3pm at non-PNC ATMs and 10pm for . If you do not opt-in to allow us to pay one-time debit card transactions that result in an Overdraft, we may still pay those transactions, in our sole discretion, and you are still required to promptly repay us the amount of the Overdraft, but we will not charge you a fee. We may charge you a fee for each stop payment order. Creating a valid Substitute Check takes specialized equipment and adherence to precise specifications. On your death, ownership of the Account passes to the payable-on-death (P.O.D.) beneficiaries you have designated. P.O. (1) Endorsements You agree that you, as the Business Account Holder, shall be solely responsible for all acts of any such Third Party. (10) Stop Payments on ATM, POS, or Debit Card Transactions Overdraft means any event that results in your Account having a negative Current Balance. We enter the information into our records. 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. F. Frost Bank Property, Branch and ATM Code of Conduct, IV. (b) Community Property without Right of Survivorship In Texas, this type of Account only applies to persons who are married to each other, both of whom need to be named on the Account. Yes, you can deposit checks at an ATM, and the process for depositing checks follows the same steps as the process for depositing cash. You agree to indemnify and hold us harmless from and against any and all loss, costs, damage, liability, or exposure, including reasonable attorneys fees, we may suffer or incur arising out of any action or claim by any beneficiary or other custodian with respect to the authority or actions taken by you in handling or dealing with the Account. The termination of this Agreement and closing of an Account will not release you from any fees or other obligations incurred prior to the date upon which this Agreement is terminated and the Account closed, any fees assessed by us in the process of closing an Account, or from your responsibility to maintain sufficient funds in your Accounts to cover any outstanding checks or other debit items. (Stop Payment Orders for Checks) and X.B.10 (Stop Payments on ATM, POS or Debit Card Transactions) for more information regarding stop payment orders). 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. If the Account is a joint or any other type of multiple-party Account, each joint or multiple-party Account Holder authorizes us to exercise our right of setoff against any and all Accounts of each Account Holder. We shall be entitled to act upon any Legal Process served upon us which we reasonably believe to be binding, with no liability to you for doing so. designation. When the conversion occurs, we, intermediary or correspondent bank, or the receiving bank, will determine, in such entitys sole discretion, the currency exchange rate. All Substitute Checks deposited via Frost Digital Deposits must be endorsed payable to the order of Mobile Deposit Only, Frost Bank, followed by your signature and Account number. This is required to use any ATM for any purpose. We may refuse items for deposit when an endorsement is missing if the payor has required two or more endorsements. A description of the transaction will appear on your statement. You should review any minimum balance requirements on any applicable Schedule(s). 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. You authorize Frost to collect, use and share your information in accordance with the applicable Frost privacy policies, as they may be amended from time to time. E. Security Procedures Visit a retailer. Examples include but are not limited to: Loading, topping up, or adding funds to prepaid card accounts, Moving funds into an eligible checking or savings account, Person-to-Person (P2P) transfers via a debit card, (iii) Limitations on Business Accounts. You have the right, at your own expense, to employ separate counsel to participate in such matter on a non-controlling basis. (ii) ATM Fees Charged by Others If you use an ATM that is not operated by us, you may also be charged a fee by the ATM operator and/or by any automated transfer network used, and you may be charged a fee for a balance inquiry even if you do not complete a funds transfer. 6pm local time (8pm local time at deposit envelope ATMs) PNC Bank. (1) Your Ability to Withdraw Funds We establish different categories of withdrawals or other debits as part of our processing practice and generally process withdrawals within each category as described below. (3) Certain Direct Deposits Telephone: (800) 513-7678, In writing: immediately, if you deposit the cheque in person with a teller or bank employee. Bank shall not be liable to customer as an insurer of such property. (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.) Strong, robust encryption technologies are used for computer-generated customer data and records. (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. On the death of the last surviving trustee, the ownership of the Account passes to the beneficiary. (8) Represented Check Transaction 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. 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. If you want to add a Payment Card to your Digital Wallet, you agree to follow the procedures adopted by your Digital Wallet provider and any further procedures Frost adopts. All costs, expenses, and fees with regard to any mediation, except for each Partys attorneys fees, shall be divided equally between you and the Bank, and you and the Bank shall each be solely responsible for payment of each Partys share of such costs, expenses and fees. For a fee starting at $3 you can cash your government, payroll, dividend, insurance and Western Union Money Orders that are purchased at H-E-B. Member FDIC, III. You will usually need to go to the teller and present your card and ID. Truncate means to remove an Original Check from the forward collection or return process and send to a recipient, in lieu of such Original Check, a Substitute Check or, by agreement, information relating to the Original Check (including data taken from the MICR line of the Original Check or an Electronic Image of the Original Check), whether with or without the subsequent delivery of the Original Check. 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. 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. We reserve the right to refuse the acceptance of any particular transfer for any reason. (10) Stop Payments on ATM, POS, or Debit Card Transactions . As permitted by applicable law, we may exercise our right of setoff for any liability or debt of any of you, whether the Account is owned jointly or individually; whether the liability or debt is direct or contingent and whether now or hereafter existing; and whether the liability or debt arises from Overdrafts, endorsements, guarantees, loans, attachments, garnishments, levies, attorneys fees, or other obligations. This provision limits your rights to a jury trial. Electronic Fraud Protection. In order to help us prevent fraud or other loss regarding your Account, you agree to exercise ordinary care to safeguard all Account checks, Debit Cards, PINs, User IDs, Account statements, and any other document or instrument that contains or may contain your sensitive financial information. In addition, if you own a Business Account, you acknowledge and agree to your duty to exercise ordinary care in safeguarding such materials with regard to your employees in accordance with the requirements of Texas Business and Commerce Code Sections 3.405, 3.406 and 4A.202. You further agree that you will retain each Original Check that is Truncated through any Digital Deposits activity for a reasonable period of time, but in no event fewer than ten (10) Business Days from the date of deposit or such longer time as we may request from time to time with respect to any specific Original Check. Funds that are deposited using Digital Deposits will not be deemed received by us until we have received an Electronic Image that meets all of the requirements for deposits via Digital Deposits (including all requirements to create a Substitute Check) stated in this Agreement and in the Digital Deposits documentation. Each Joint Account Holders obligations under the Agreement are joint and several. 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. The third arbitrator shall be selected by mutual agreement of the parties. 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. 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. You agree to pay us for fees and expenses (including administrative expenses) that we incur in responding to any Legal Process related to your Account, such as expenses for research and copying of documents. 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. Pay the check amount plus the fee to certify the check. (1) Notice of Amendments Can I avoid having this form filed if I break up the transaction into smaller amounts? We reserve the right not to send statements on Accounts we consider dormant. Online. You agree that Electronic Images, as defined below, submitted via Digital Deposits (from either your personal computer or mobile device) are not subject to the funds availability requirements of the Federal Reserve Boards Regulation CC (Regulation CC). 1. With regard to your obtaining Digital Deposits services under this Agreement, you must comply with the personal computer, check scanner and mobile device hardware, software, and other requirements, as well as applicable Security Procedures, as set forth in this Agreement and as set forth in any Documentation or any supplemental information and/or instructions provided by the Bank. (1) Individual Accounts An Individual (Single-Party) Account is an Account in the name of one (1) depositor only. I. If you have selected Online Statement Delivery as your statement preference, you will receive a notification when your statement is posted. Easy breezy payments. You must provide us with the following information: (i) Tell us your name and Account number. Frost retains historical copies of the Agreement for a period of ten (10) years. N. Indemnification If you have any questions or issues with a third-party product or service, including issues pertaining to the operation of your Supported Digital Wallet Device, please contact the appropriate third party in accordance with that third partys procedures for customer support and assistance. Your Account may be debited at the time and on the day a check or other Item drawn on your Account is presented to us for payment, by any means and we pay it, or at an earlier time based on notification received by us that the check or other Item has been deposited for collection in another financial institution. 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. INFORMATION ABOUT YOU AND YOUR ACCOUNT. Frost Brokerage Services, Inc. is a wholly owned subsidiary of Frost Bank. 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. ACE Flare: Best Nontraditional Bank Account. ELECTRONIC BANKING SERVICES 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. During this maintenance window, you may have limited transaction capabilities. This is the first step to take after you've arrived at the location where you are cashing the check. Where there is any conflict of law regarding an appeal of any decision of the arbitrator(s), you and the Bank agree that Texas law shall control. (Substitute Checks Deposited By You) of this Agreement) the same as if such Electronic Image or Substitute Check were a paper check within the meaning of the UCC as adopted in the Texas Business and Commerce Code. (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. 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. And your warranty given above is deemed given to us and any other person, company or bank to which we transfer, present or return the Substitute Check or a paper or electronic representation of the Substitute Check. 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. Bank of America: Bank of America permits checks written by Bank of America customers. We may amend the Frost Online Banking Agreement and Disclosure from time to time, as set forth therein, and such amendments may not occur at the same time we amend this Agreement. Despite the name, these Accounts can be checking Accounts, and not just savings Accounts. (1) Your Ability to Withdraw Funds The provisions in this Section VI.C. The owner of an Agency Account may revoke the agents authority over the Account at any time by notifying us in writing. A. Daily Balance means the application of a daily periodic rate to the full amount of principal in the Account each day. You understand and acknowledge that we are relying on the truth and veracity of all Electronic Images submitted for deposit via Digital Deposits by you to us, and you warrant that such Electronic Images accurately reflect Original Checks that are, or at the time of the creation of the Substitute Checks, were, in your possession. L. Hold means any funds that are in your Account but that you cannot withdraw because of Legal Process or other reasons as set forth in this Agreement, but does not include Funds Availability Holds. You agree that we act within commercially reasonable banking industry standards and practices by processing most checks and other items through automated processing systems. All other capitalized terms used that are not otherwise defined in this Agreement or in the Documentation shall have the meaning given to such term in Article 3 or Article 4 of the UCC (as amended from time to time) effective in Texas as adopted in the Texas Business and Commerce Code. 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. Funds will be transferred from the savings subaccount to cover checks presented against the transaction subaccount as may be needed. (2) Longer Delays May Apply In some cases, we will not make all of the funds that you deposit via Digital Deposits available to you on the first Business Day after the day of your deposit. (v) Financial Institutions Liability For Failure To Make Transfers If we do not complete a transfer to or from your Account on time or in the correct amount according to our Agreement with you, we will be liable for your losses or damages up to the amount of the transfer. If you believe your Debit Card has been lost or stolen, call us at the telephone number listed above or report your Debit Card lost or stolen online at www.frostbank.com by clicking Account Services and then clicking Report a Lost or Stolen Card under Card Management in Frost Online Banking. Governing Law; Dispute Resolution; Arbitration; Statute of Limitations It also includes situations where any action taken on your Account by you, an authorized signer, a joint owner, or a third party causes us to seek the advice of an attorney, whether or not we actually become involved in a dispute. (2) Notice of Receipt Failure to comply with the requirements above may prohibit you from recovering certain funds that were transmitted electronically, and may also preclude us from being able to return ACH transactions in accordance with NACHA Operating Rules and Operating Guidelines. (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. I waited over an hour for my money and both I and the check holder banked with them. 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. We are not required to adjust your Account for discrepancies under $10. Upon our request, the authorized signers for an Attorney Client Trust Account will provide documentation required by applicable state law and applicable bar association (or similar entity) rules. Are there other reporting requirements involving cash required by federal law? Customers Smart Safe must be serviced (deposits removed for verification purposes) at least once each calendar week and transported to a Bank-approved vault location for verification. All of our rules, regulations, and disclosures (including any provisions relating to interest) apply to your checking Account as a whole (i.e., at the master account level), without reference to the two subaccounts. BECAUSE FROST DOES NOT OPERATE OR CONTROL THESE CONNECTIONS, FROST CANNOT GUARANTEE THE PRIVACY OR SECURITY OF THESE DATA TRANSMISSIONS. Electronic funds transfers refers to the following activities with respect to a Personal Account: ATM and Debit Card transactions (including POS transactions), direct deposits of payroll checks or government checks, preauthorized withdrawals, other direct deposits, use of our 24-hour automated phone system or use of Frost Online Banking Services. We are not responsible for the exchange rate set by an intermediary or correspondent bank or the receiving bank. 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