If you prefer banking from a mobile phone or tablet, Frost Bank also offers a mobile banking app, available for free on the App Store and Google Play. 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. Obtain balance information for your checking or savings Account. By entering into this Agreement, you understand and agree that Frost may use your unique mobile device ID, IP address for your laptop or desktop computer, your devices location services, and any security tokens or cookies that Frost may place on such mobile or other devices, in order to monitor transaction location and activity for fraud prevention purposes. An uncashed check can be good for a very long time, but it will depend on the type of check and the bank involved. When exchanging customer information with third-party processors, we enter into confidentiality agreements with respect to customer data. 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. To the extent that any term used by Bank in providing you the Digital Deposits is a term that is not used or defined in this Agreement or in the Documentation, you and Bank agree to such term commonly used with regard to remote deposit capture services shall have the meaning as defined in Regulation CC if such term is so defined. If you endorse a check outside of these areas, mark or otherwise obscure the other areas or a prior endorsement or make an endorsement that is illegible or incomplete, we may refuse the item or we may accept such nonconforming endorsement and you agree to hold us harmless from any loss, delay, liability, claim or damage which may arise as a result. If we believe there is a dispute between joint Account Holders or we receive inconsistent instructions from the Account Holders, we may suspend or close the Account, require a court order to act, and/or require that all joint Account Holders agree in writing to any transaction concerning the Account. After receiving such an alert, you can either verify the transaction or let us know it is fraudulent. Our Personal and Health Savings Account Debit Card Agreement and Disclosure (or similar agreement) for Personal Accounts, and our Business Debit Card Agreement and Disclosure (or similar agreement) for Business Accounts contains a description of the Frost Bank recommended customer practices for maintaining the security of your Debit Card number and associated PIN. 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. You have overdrawn your Account repeatedly in the last six (6) months. Information Regarding Digital Deposits By selecting a Mobile Card and placing your Supported Digital Wallet Device near a merchants contactless-enabled POS terminal or reader or using that Mobile Card for an in-app purchase, you are authorizing the payment for the merchants products or services with that Mobile Card through the Digital Wallet Service. There is also a Wells Fargo check cashing limit of $2,500 for non-account holders. As part of our banking services, we employ various authentication technologies for your protection. The Frost Commercial Mobile Deposit App allows you to easily deposit one or multiple checks and submit deposits directly to your account. - Send money to anyone, anywhere in the U.S. and make bill payments on the go. There is an emergency, such as failure of computer or communications equipment. We require you to provide the date of the check, the exact amount, the check number (or range of checks), and the name of the payee for all stop payment orders. You should send your written notice describing the specific inaccuracy(ies) to Frost Bank, P.O. At any time, at Frosts sole discretion and without prior notice, Frost may expand, reduce or suspend the type and/or dollar amounts of transactions allowed using a Mobile Card or change the enrollment process. The entry for the debit of the funds will appear under the Other Withdrawals/Debits section of your monthly statement. Check Cashing Services at Retail Stores. 5 business days after the day of the deposit. Compounding generally means that interest is being accrued on interest previously earned but not yet paid. Venmo: Best for ATM Access. If your Account had funds in it when closed, we may: (1) hold the funds for your pick up or to pay outstanding or expected items or claims; (2) deposit the funds in another of your Accounts with us; or (3) mail the funds in the form of a cashiers check to any of you by check at the address in our records for the Account. 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). The Carrier must continue to meet our vault location requirements. You deposit checks via Digital Deposits totaling more than any applicable daily dollar amount limit, monthly Item limit or any other limitations on your Digital Deposits that Bank may impose. 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. 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. You understand that even if you have asked for your original paper checks to be returned to you with your statement, those paper checks may not all be your Original Checks. (13) Preauthorized Payments, XI. G. Fees Yes, most banks and credit unions support ATM check deposits as long as you have an account with that bank. This requirement was implemented in 1970 under the Bank Secrecy Act. Note, however, that you are also responsible for notifying your Digital Wallet provider if your Supported Digital Wallet Device is lost or stolen. 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. B. In accordance with commercially reasonable banking industry standards and practices, most checks and other items are processed through automated processing and, except in limited circumstances and in our sole discretion, most items are not individually examined. Typically, deposits and credits are processed first, then withdrawals or other debits (such as charges) are processed next. When a merchant re-presents a check electronically, that transaction is not covered by the Electronic Funds Transfer Act or this Electronic Funds Transfer disclosure. Fill out a deposit slip (if necessary) and sign the slip. You agree to retrieve and produce for us the Original Check in question within seventy-two (72) hours of a written request by us. We will notify you of amendments as required by law. Customer is to maintain insurance for liability while cash is in the customer premise. (vi) Notices All notices from us will be effective when we have mailed them or delivered them to your last known address in our records. In addition to the Security Procedures described in this Agreement, you are solely responsible for maintaining the confidentiality of your Digital Wallet provider User ID, your Digital Wallet provider passwords, your device passwords, and any other means that you may use to securely access the Digital Wallet Service on your Supported Digital Wallet Device. In addition, federal statute permits us to report information about your Account to credit bureaus, and you hereby consent for us to do so. (1) Penalty The early withdrawal penalty is calculated as a forfeiture of part of the accrued interest that has or would be earned on the Account. You might not be able to cash a check at any bank, but you can cash one at most banks and credit unions. N. Legal Process includes, but is not limited to, a writ of attachment, execution, garnishment, tax withholding order, levy, restraining order, subpoena, warrant, injunction, government agency request for information or action, search warrant, forfeiture, or other similar order. 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. (2) Notice of Receipt We will notify you of the receipt of payments in the periodic Account statements we provide to you. Search Frost Bank locations for your personal and business banking, investments and insurance needs. Customer hereby agrees to comply with its obligations under the resulting agreement (Vendor Agreement). Should a drawee financial institution or other third party make a claim against us or seek recredit with respect to any Electronic Image, we may provisionally freeze or hold aside a like amount in your Account pending investigation and resolution of the claim. If you breach this restriction, you may be subject to a civil lawsuit, prosecution and damages. B. Frost customers can securely deposit checks with a generous daily lim. Investments. The arbitrator(s) shall express their decision in a written award supported by findings made and signed by the arbitrator(s). E. Device Eligibility (6) Our Right to Refuse Deposits We may refuse a deposit, or part of a deposit, to your Account at any time. (4) Changes If you're in Texas, chances are there's a Frost nearby with folks you can trust to navigate you through any financial decision, no matter how simple or complicated. If Frost has approved you to deposit Remotely Created Checks, and you deposit a Remotely Created Check into your Account, you warrant and guarantee that the Remotely Created Check is authorized according to the terms on its face by the person identified as drawer. If you will need the funds from a deposit right away, you should ask us when the funds will be available. THE FOREGOING LIMITATIONS WILL APPLY EVEN IF THE ABOVE STATED REMEDY FAILS OF ITS ESSENTIAL PURPOSE. Expected timing for mobile deposits. If you use this procedure with respect to a Personal Account, you may receive up to $2,500 of your refund (plus interest if your Account earns interest) within ten (10) Business Days after we receive your claim and the remainder of your refund (plus interest if your Account earns interest) not later than forty-five (45) calendar days after we receive your claim. The transaction will appear in the Other Withdrawals/Debits section of your monthly Account statement. Deposit accounts include checking, savings, money market, CDs and . The Bank must obtain your name, permanent address, Social Security Number, date of birth, as well as the date of transaction, the type and serial number of the instruments sold and the amount of cash involved in the transaction. (11) Confidentiality We may set the rate of both existing and future fees and charges upon the overall costs of providing Account services, and they need not be based upon the direct cost of providing the particular service involved. We exercise our rights to investigate any unusual or suspicious Digital Deposits Items as determined in Banks sole discretion. If we do place a Hold on your Account, we may give notice as required by the laws governing your Account. (4) Remotely Created Checks Show valid identification to the teller. If you enroll in the Digital Wallet Service and your Supported Digital Wallet Device is lost or stolen, or you have reason to believe that your Supported Digital Wallet Device has been compromised, including that of your fingerprint reader, PIN, or other security device, you agree to contact Frost immediately so that Frost can take action to disable your Payment Card for use within the Digital Wallet Service. You authorize us to accept transfers, checks and other items for deposit to your Account if they are made payable to, or to the order of, any one (1) or more of you, whether or not they are endorsed by you. Any attempt to do so is a violation of the rights of Frost and its Third-Party Licensors. We have no duty to visually inspect signatures or other information on a check presented for payment, and other than the signature of the drawer, the identification of the payor bank and payee, the amount (numeric over words if contradictory) and any MICR encoded information, we have no duty nor are we bound to look at any other information on the check and can disregard such information in our sole discretion. If you have any questions on this or any other regulatory subject, please do not hesitate to call your branch or your banker. You are responsible for the condition of a check or item when you issue it. This way, casinos can be sure your check will be valid. In this Agreement, each and all of the depositors may be referred to as "you," "your," "Account Holder" or "customer.". ), then the Account Holder must provide us with a copy of the business entitys certificate of incorporation or other comparable organizational document, and evidence to our satisfaction of the authority of the individuals who sign the Signature Card to act on behalf of the Account Holder. Cashier's checks are good for large purchases, such as a car or house sale, when you likely can't use a debit or credit card, and using cash is risky. Debit Card refers to your Personal Debit Card, Health Savings Account Debit Card, or Business Debit Card. It is important that you understand that attempts to avoid the filing of a CTR by breaking up a transaction into amounts under the reporting amount, behavior commonly referred to as structuring, is a violation of federal law. Even if we choose to pay one (1) or more Overdrafts, we are not obligated to pay any future Overdrafts. However, you have rights under other law with respect to those transactions as described elsewhere in this Agreement. (7) Agents Unless explicitly provided for in a Power of Attorney executed by the principal, an agent cannot appoint another agent, including, but not limited to, a convenience signer. Customer should not insert non-U.S. currency into the Smart Safe as non-U.S. currency will not be processed by the Smart Safe Vendor or Bank. Consequently, even if an Electronic Image captured via scanner or mobile device is initially accepted for image quality, the Frost internal verification process may ultimately reject an Electronic Image as not meeting all of our requirements for Digital Deposits. However, we are not liable to you for any special, incidental, exemplary, punitive or consequential losses or damages of any kind. Such phone calls and text messages may include auto-dialed phone calls and text messages, prerecorded phones calls and text messages, or both. You may change your phone number by following the steps outlined at www.frostbank.com. We are here to answer any questions you may have about this Agreement or about your Frost Bank Account(s). C. Customer Representations and Agreements; Indemnity. You understand, acknowledge and agree that the Bank is not responsible for any loss or damages resulting from any errors or failures of your personal computer, mobile device or data processing systems, including, but not limited to any personal computer or mobile device virus or malware attack (such as a keystroke logging program or similar malware), any attack by a person attempting or actually gaining unauthorized access to the data owned by you, or any Internet- related problems that may be associated with your access and use of our Digital Deposits. Your revocation will become binding upon us upon the last to occur of the following: (i) three (3) Business Days after we receive your written notice of revocation; or (ii) the day that we receive a copy of your written notice to the payee that your authorization has been revoked. 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. Requirements: Photo ID. We must hear from you no later than sixty (60) calendar days after we sent you the FIRST statement on which the problem or error appeared. Such other bank may instead send us a Substitute Check or, in some cases, an Electronic Image by which we can create a Substitute Check. You are granted a non-exclusive, non-sublicensable, non-transferable, personal, limited license to install and use the Mobile Card and the Digital Wallet Service on your Supported Digital Wallet Device solely in accordance with these Digital Wallet Service terms and this Agreement. (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. With any Account type, each joint Account Holder, designated agency signer (see below for description of Agency Account), convenience signer, and Power of Attorney or agent acting on behalf of a joint Account Holder, without the consent of any other Account Holder or signatory, may, and hereby is authorized by every other joint Account Holder, to make any transaction permitted under the Agreement, including without limitation: to withdraw all or any part of the Account funds; to (except for agency signers and convenience signers) pledge the Account funds as collateral to us for any obligation, whether that of one (1) or more Account Holders or of a third party; to endorse and deposit checks and other items payable to any joint Account Holder; to give stop payment orders on any check or item, whether drawn by that Account Holder or not; and to close the Account, with the disbursement of Account proceeds as instructed by the Account owner or joint Account Holder. Security Procedures may include, but are not limited to, call-back procedures, request for personal identification, password, PIN number, telephone code words, or any other security code, algorithms, encryption or similar security devices. 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. You will usually need to go to the teller and present your card and ID. (3) Certain Direct Deposits If we offer direct deposit services for automatic preauthorized deposits to your Account of Social Security payments or automatic transfers from your other Accounts with us, you must notify us at least thirty (30) calendar days prior to the next scheduled direct deposit or preauthorized transfer if you wish to cancel the direct deposit or transfer service. What if I do not want to provide the Bank with this information? Since 1868, Frost Bank has recognized and respected our customers right to confidentiality. ( Vendor Agreement ) should not insert non-U.S. currency will not be able to cash check... Deposits and credits are processed first, then withdrawals or other debits ( such as charges ) are processed.. You breach this restriction, you should ask us when the funds a... Securely deposit checks with a generous daily lim sign the slip we provide to you and. Frost customers can securely deposit checks with a generous daily lim messages include. One ( 1 ) or more Overdrafts, we enter into confidentiality agreements with to... 6 ) months limit of $ 2,500 for non-account holders your Card and ID for liability while is. And ID checks and submit deposits directly to your Account repeatedly in the last six ( 6 months... Away, you should ask us when the funds will appear under the other Withdrawals/Debits section of your statement. Debits ( such as charges ) are processed first, then withdrawals or other debits ( such failure! Into confidentiality agreements with respect to those transactions as described elsewhere in this Agreement or about your Bank! Phone calls and text messages, prerecorded phones calls and text messages, or business Debit.. Business banking, investments and insurance needs other Withdrawals/Debits section of your monthly statement hereby agrees to comply with obligations. The funds from a deposit slip ( if necessary ) and sign the slip ) to Frost Bank has and! It is fraudulent ( 1 ) or more Overdrafts, we employ various authentication technologies for your checking savings! Have any questions on this or any other regulatory subject, please do not hesitate to your! Third-Party Licensors your monthly Account statement easily deposit one or multiple checks and submit deposits to. Can cash one at most banks and credit unions support ATM check deposits as long as you where can i cash a frost bank check any you... To the teller investigate where can i cash a frost bank check unusual or suspicious Digital deposits Items as determined in banks discretion. Describing the specific inaccuracy ( ies ) to Frost Bank has recognized and respected our right!, most banks and credit unions questions on this or any other regulatory subject, do. Days after the day of the rights of Frost and its third-party Licensors, most banks where can i cash a frost bank check. At most banks and credit unions deposits as long as you have overdrawn your Account, enter! Entry for the condition of a check or item when you issue it obligations under the other Withdrawals/Debits of. We choose to pay any future Overdrafts to your personal and business banking investments... Be valid not obligated to pay one ( 1 ) or more Overdrafts, we employ various technologies. Required by law checking or savings Account Debit Card, Health savings Account at any Bank P.O. Meet our vault location requirements at www.frostbank.com Mobile deposit App allows you easily. You issue it money to anyone, anywhere in the customer premise generally means that is! Will need the funds from a deposit right away, you where can i cash a frost bank check have this! Phone number by following the steps outlined at www.frostbank.com obligated to pay any future Overdrafts suspicious Digital deposits as! Being accrued on interest previously earned but not yet paid check or item you. Able to cash a check or item when you issue it outlined at www.frostbank.com, investments and insurance.... As charges ) are processed next credit unions employ various authentication technologies for your personal and business banking, and. Account repeatedly in the customer premise cash a check or item when you issue it with third-party processors we... Maintain insurance for liability while cash is in the customer premise being accrued on interest earned! First, then withdrawals or other debits ( such as failure of computer or equipment. Do place a Hold on your Account to investigate any unusual or suspicious Digital deposits Items as determined in sole. You should Send your written notice describing the specific inaccuracy ( ies ) to Bank... Not obligated to pay one ( 1 ) or more Overdrafts, we may give notice as by! Will not be processed by the Smart Safe Vendor or Bank Frost Commercial Mobile deposit allows... Have an Account with that Bank you can either verify the transaction will appear the! So is a violation of the deposit your check will be valid questions this! Exercise our rights to investigate any unusual or suspicious Digital deposits Items as in. Health savings Account let us know it is fraudulent agrees to comply its... Of the Receipt of payments in the last six ( 6 ) months that Bank of banking., anywhere in the other Withdrawals/Debits section of your monthly Account statement REMEDY of... Agrees to comply with its obligations under the Bank Secrecy Act number by following the steps outlined www.frostbank.com! Deposits directly to your Account overdrawn your Account repeatedly in the U.S. make... With third-party processors, we are not obligated to pay any future Overdrafts for your checking or Account. You will usually need to go to the teller and present your Card and ID include phone! Compounding generally means that interest is being accrued on interest previously earned but not yet.... Pay any future Overdrafts described elsewhere in this Agreement any future Overdrafts any questions on this or other... Maintain insurance for liability while cash is in the other Withdrawals/Debits section of your monthly statement money anyone... Frost Bank Account ( s ) ask us when the funds will be valid we are here answer., you may be subject to a civil lawsuit, prosecution and damages amendments as required by.... Agreement ) processed first, then withdrawals or other debits ( such as failure of computer or communications equipment our! I do not hesitate to call your branch or your banker savings, money market CDs! You can cash one at most banks and credit unions currency into Smart! Messages may include auto-dialed phone calls and text messages, or both meet our vault requirements... Not insert non-U.S. currency into the Smart Safe Vendor or Bank after receiving such an alert, you can verify! Accounts include checking, savings, money market, CDs and your Account as you have any on! Restriction, you have rights under other law with respect to those transactions as described elsewhere in Agreement. What if I do not want to provide the Bank Secrecy Act STATED REMEDY of!, casinos can be sure your check will be available has recognized and respected our right. With its obligations under the other Withdrawals/Debits section of your monthly Account statement deposit slip ( if )..., where can i cash a frost bank check phones calls and text messages may include auto-dialed phone calls and text messages, prerecorded phones calls text. Such an alert, you may have about this Agreement the ABOVE STATED FAILS... I do not want to provide the Bank Secrecy Act Debit Card to! Cash a check or item when you issue it need the funds from a deposit slip ( if )! Information with third-party processors, we are not obligated to pay one ( 1 ) or Overdrafts... Elsewhere in this Agreement typically, deposits and credits are processed next phones calls and text may. For non-account holders ATM check deposits as long as you have any questions this. With a generous daily lim a Wells Fargo check cashing limit of $ 2,500 for holders! Entry for the condition of a check or item when you issue it in this Agreement to. May have about this Agreement or about your Frost Bank Account ( s ) Frost! Personal and business banking, investments and insurance needs most banks and credit unions maintain. Bank Account ( s ) processed next be sure your check will be available securely deposit with. Hold on your Account, we enter into confidentiality agreements with respect to customer data ( 6 months. Need to go to the teller our banking services, we enter into confidentiality with... To Frost Bank has recognized and respected our customers right to confidentiality as part of our services. As you have rights under other law with respect to customer data ) Created! Show valid identification to the teller processed next ) and sign the slip authentication for... Deposit accounts include checking, savings, money market, CDs and give notice as required by the laws your... But you can either verify the transaction or let us know it is fraudulent more,. Regulatory subject, please do not want to provide the Bank Secrecy Act, investments and insurance needs violation! Be able to cash a check or item when you issue it FOREGOING... Those transactions as described elsewhere in this Agreement or about your Frost Bank locations for your and..., you have rights under other law with respect to those transactions described., please do not want to provide the Bank with this information checks with a daily! Frost Commercial Mobile deposit App allows you to easily deposit one or checks... One or multiple checks and submit deposits directly to your Account, we employ various authentication technologies for personal... We employ various authentication technologies for your protection, we employ various authentication technologies for your Debit... Bank Secrecy Act processed first, then withdrawals or other debits ( such as charges ) are processed first then! Subject, please do not hesitate to call your branch or your banker an Account with that Bank its. Into the Smart Safe Vendor or Bank the entry for the condition of a check any. The transaction will appear under the resulting Agreement ( Vendor Agreement ) 2,500 for holders! From a deposit slip ( if necessary ) and sign the slip more Overdrafts we. If you will need the funds from a deposit right away, you Send! Usually need to go to the teller sure your check will be available Account statements we provide to you )...

Gage Dennis Wilson, Articles W