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that the item will be returned unpaid months or longer after we have made the funds available to you and you have withdrawn them. WebTruist One Checking Account Key documents for deposits Account overview guide (PDF) Personal deposit accounts fee schedule (PDF) Bank services agreement (PDF) Are Not FDIC or any other Government Agency Insured Are Not Bank Guaranteed May Lose Value Multilingual teammates available at our Multicultural Banking Centers 12 of the U.S. Code of Federal Regulations, part 229) promulgated to comply with the Check 21 Act, as it may be amended, substituted for, or recodified from time to time, then such term generally shall have the meaning assigned to it in Regulation CC. Daily Balance means the application of a daily periodic rate to the full amount of principal in the Account each day.

If any problems arise regarding your Account, you agree to provide us with all information necessary for us to investigate the alleged error or unauthorized transaction. We may receive the electronic debit to your Account immediately after the business enters the transaction so you may have a reduced right to stop payment and you may incur an Overdraft if you do not have sufficient funds in your Account to cover the amount of the check at the time you write the check or authorize the transaction. Some or all of these original paper checks may be replaced with Substitute Checks. H. Current Balance means the amount of funds Frosts records show in your Account, including debits and credits that have posted to your Account to date, minus the amount of any Funds Availability Holds. Documentation means the online help files or written instructions and materials made available or supplied by Bank that provide the description, methods of operation, and required procedures to engage in Digital Deposits activities. If you have Overdraft protection with us, you authorize us to make transfers and/or advances to your Account(s) pursuant to the Frost Bank Overdraft Protection Agreement if the balance in your Account is at any time insufficient to support any transfers you authorize. Use of our electronic funds transfer services is subject to existing regulations governing your Account and any future changes to those regulations. You authorize us to supply missing endorsements, and you warrant that all endorsements are genuine. Please note that some of the listed transactions may be pending charges, which are temporary and are subject to change (for instance, pre-authorizations at restaurants and hotels). In addition, the Bank is required to examine and record at least one (1) form of identification. Any attempt to do so is a violation of the rights of Frost and its Third-Party Licensors. You can use it the same way you would use the Original Check. You may use a Substitute Check as proof of payment just like the Original Check. If you are a business partnership, we may also charge the Personal Accounts of any general partner. THE AGREEMENT FOR YOUR ACCOUNT A. 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. Any Frost Bank customer or visitor violating the Premises code of conduct may be asked to immediately cease the conduct in violation of the Frost Bank code of conduct or leave the Premises. Additional Account terms are governed by a separate agreement.

However, federal laws require that we obtain specific information from you when conducting certain cash transactions. 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 any person notifies us of a dispute, we do not have to decide if the dispute has merit before we take further action. It might include a missing signature, an unauthorized signature, or an alteration, or be a transaction that was otherwise not authorized by you. Congregating or loitering near the entries, exits or ATM machines of the Premises in a way that causes an inconvenience to others or blocks entry, exit or access is prohibited. O. You must also inform the payee in writing of your revocation. 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. We may accept any Power of Attorney that we believe was executed by you and may act on instructions we receive under such form.

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. Neither Party shall make any objection to a proposed mediator except for good cause shown. DeluxeXL 6 yr. ago You can mail your check if they don't take remote deposits due to the amount. These electronic funds transfers are generally governed by regulations issued by the Federal Reserve Board of Governors. Account Statements Rules and forms may be obtained from, and claims may be filed with the AAA or like organization at their respective offices on their web pages. Either you or we may close your CD Account on any maturity date without cause, and we may close your CD Account prior to any maturity date if such CD Account is pledged as loan collateral or as otherwise necessary to satisfy any debt owed to us. A. There may be other exceptions, in addition to those listed above, stated in any other of our agreements with you, or as permitted by law. D. Eligibility You understand that in all cases, during the reasonable period of time described above, you are solely responsible for safeguarding all items you retain as required or permitted by Digital Deposits from destruction, alteration or theft. Depending on the type of check that you deposit via Digital Deposits, funds may not be available until the second (2nd) Business Day after the day of your deposit. The transaction is not covered by the Electronic Funds Transfer Act or Regulation E, but is governed by the Uniform Commercial Code (UCC) and other applicable Federal Reserve Board Regulations. In those cases, we will restrict your Account against all future withdrawals other than under Legal Process until pending transactions are paid or returned, the balance is no longer negative, and any legal restriction has been released. You can initiate up to 20 transactions per day. NO ORAL OR WRITTEN INFORMATION OR ADVICE GIVEN BY FROST, ANY OF ITS AUTHORIZED REPRESENTATIVES OR ANY THIRD PARTY SHALL CREATE ANY WARRANTY. Clear All Apply. Arbitration hearings will take place in the county seat of the Texas county of your permanent residence at the time the claim is filed. ATM and Debit Card re-presented transactions and all other transactions for which authorization has already occurred are processed in order from the lowest dollar amount to the highest dollar amount. 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). Mobile deposits are generally available the next business day, unless a hold is placed. If you, as well as your employees, agents or Third Parties (if a Business Account Holder), have reason to believe that any Security Procedure has or may have become known by unauthorized persons (whether or not employed by you), you shall immediately notify the Bank by telephone and confirm such oral notification in writing to the Bank within twenty-four (24) hours of the oral notification. Unless otherwise set forth in this Agreement, the Texas Business and Commerce Code shall govern liability for any losses regarding your Business Account. WebTrust Frost for your personal and business banking, investment, and insurance needs in Texas. Your Digital Wallet may also allow you to view recent purchase transactions made by you with your Payment Card. Frost is not liable to you for the effects (third party or otherwise) of such termination or suspension. Any written notice you give to us regarding your Account, including any problem with your Account, is effective when such notice is actually received by us and we have had a reasonable opportunity to act on it. 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. Your cardholder agreements with Frost contain arbitration provisions which also apply to your use of your Payment Card through the Digital Wallet Service. ET or on a weekend or holiday require an additional business day. 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. During this maintenance window, you may have limited transaction capabilities. Under the Check 21 Regulations, any check you write or deposit need no longer be returned for payment by the bank of the person to whom you wrote the check. You may contact the Frost Bank Customer Service Call Center at 1-800-513-7678 with questions about your Account(s). C. Customer Representations and Agreements; Indemnity. If funds from a deposit become available and you withdraw funds, that does not mean the check or other item you have deposited is good, has cleared, or has been paid by the paying bank. A. Debit Card Services (Including Health Savings Account Debit Cards) For purposes of arbitration, you includes any person who is listed on your Account, and Bank includes Frost Bank, all its affiliates, and all third parties who are regarded as agents or representatives of ours. Since 1868, Frost Bank has recognized and respected our customers right to confidentiality. For Business Account customers, you understand and agree that any employee or applicant for a job responsible for handling your financial affairs (including processing, writing or receiving checks, handling Account statements or acting otherwise in a responsible manner regarding your financial affairs) has been asked specifically whether they have ever been convicted of a felony, that a thorough background check of such employee or applicant has been conducted, that a system of reasonable financial controls is in place, and that you have instituted a program that encourages your employees to report fraudulent or dishonest activities to you or company management. For the most current list of Payment Card types that are eligible for the Digital Wallet Service, please visit www.frostbank.com. You may transfer up to $5,000 per card per day between your Account and other eligible accounts through Account Funding Transactions (AFTs). Compounding generally means that interest is being accrued on interest previously earned but not yet paid. In order to satisfy the Acts requirements, we may, and in many cases, must request certain information about the individual presenting the transaction, as well as the organization or individual for whom the transaction is being conducted. You agree that we may change the fees and charges from time to time and you authorize us to charge your Account for their payment even if the charge results in an Overdraft of your Account. Q. The arbitrator(s) shall in no event, have any power or authority to consolidate claims asserted by different claimants or counter-claimants, adjudicate any claims presented to them on a class wide basis, treat any claimant or counter-claimant as a representative of a class of claimants or counter-claimants, or award any relief on a class-wide basis. 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. We will consider requests for early withdrawal and, if granted, the penalty provided in the Schedule will apply. You authorize us to store and use Signature Card information in any reasonable form we deem necessary, including any digitized signature capture or electronic storage process. Items may be returned as image exchange Items, rather than Substitute Checks. We recommend that you conduct the transaction and provide the Bank with the required information. Frost Online Banking Services for Personal and Business Accounts If we decide to do this, we will credit your Account within ten (10) Business Days for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation. You acknowledge that you are solely responsible for the adequacy of systems and software utilized by you to process banking transactions and the ability of such systems and software to do so accurately. (1) What is a Substitute Check To make check processing faster, federal law permits banks to replace Original Checks with Substitute Checks. These checks are similar in size to Original Checks with a slightly reduced image of the front and back of the original check. 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. You may not copy, decompile, reverse engineer, disassemble, attempt to derive the source code of, modify, or create derivative works of any Mobile Card or the Digital Wallet Service, any updates, or any part thereof (except as and only to the extent any foregoing restriction is prohibited by applicable law or to the extent as may be permitted by the licensing terms governing the use of any open sourced components included with a Mobile Card or the Digital Wallet Service). R. Cash Vault Services and Smart Safe Services 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. 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. Frost also cautions you that ANY ATTEMPT BY AN INDIVIDUAL OR ENTITY TO DELIBERATELY INTERFERE, INTERRUPT, MODIFY, AUDIT, ASSESS, RE-ENGINEER, OR DAMAGE ANY ASPECT OF A MOBILE CARD OR THE DIGITAL WALLET SERVICE OR UNDERMINE THE LEGITIMATE OPERATION OF A MOBILE CARD OR THE DIGITAL WALLET SERVICE IS A VIOLATION OF CRIMINAL AND CIVIL LAWS AND FROST RESERVES THE RIGHT TO SEEK DAMAGES AND COSTS (INCLUDING, WITHOUT LIMITATION, ATTORNEYS FEES) FROM ANY INDIVIDUAL OR ENTITY RESPONSIBLE FOR SUCH ATTEMPT TO THE FULLEST EXTENT PERMITTED BY LAW. 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.

To make a deposit: Insert your Bank of Texas Visa Debit Card. Deposit cash and cheques 24/7 with TD Express Deposit (2) General Information Bank shall not be liable to customer as an insurer of such property. The federal Bank Secrecy Act (Act) also requires all financial institutions to report cash transactions of more than $10,000 to the Internal Revenue Service (IRS). At the beginning of each statement period, we will allocate funds between the two subaccounts as we deem appropriate. If you have designated your Account as a community property Account without right of survivorship, the money in your Account is the community property of you and your spouse. (5) Error Resolution Procedures In case of errors or questions about your electronic funds transfers, either call or write to us using our contact information as listed above. 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. Information Regarding Digital Deposits Effective August 7, 2022 We will not be liable to you for refusing a deposit, even if it causes outstanding items to be returned. This section pertains to multiple-party Accounts: (i) Joint Account Ownership An Account with two (2) or more Account Holders is a joint (multiple-party) Account. It is important that you understand that breaking transactions into amounts under any reporting amounts, commonly referred to as structuring, is a violation of federal law. 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. Section 408 or Title 26 U.S.C. (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. Governing Law; Dispute Resolution; Arbitration; Statute of Limitations (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. Fees and Charges
Also, you will not receive either your Original Check or a Substitute Check back from us in your monthly statement since no original or Substitute Check is sent to us for processing. Possession or consumption of alcohol or illegal drugs is prohibited on the Premises, and smoking, including e-cigarettes and vaporizers, are only allowed on the Premises in specially designated areas. A. You understand and acknowledge that no court or other judicial body will have any authority to designate or appoint any arbitrator. (2) Notice of Receipt 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. 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. With online and mobile banking, you can easily: Pay your bills. After your Account is closed, we have no obligation to accept deposits or pay any outstanding checks, but we may reopen your Account if we receive a deposit, or we may apply an incoming deposit to satisfy any outstanding items or obligations owed to us.

All financial institutions are required by law (including, but not limited to, the USA PATRIOT Act) to obtain, verify and record information that identifies each customer who opens an Account with that financial institution (including, but not limited to, beneficial owners of an entity that opens a Business Account). You are required to have an eligible Mobile Device (a Supported Digital Wallet Device) in order to use this service. If the Party receiving a request for negotiation fails to respond within ten (10) calendar days of receiving such request, fails to attend the negotiation meeting within twenty (20) calendar days after responding to the notice of request, or otherwise declines to negotiate, such Party will be deemed to have waived its right to negotiate or mediate and the Partys only remedy is binding arbitration. We reserve the right to refuse to honor any Power of Attorney you grant that is presented to us under the reasons for refusing acceptance as set forth in Texas Estates Code Section 751.206. (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. 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. (3) Initial Interest Rate Frost Bank is located in San Antonio, Texas, and that is where your Account was opened and is maintained. We may confirm the funds you deposit and, after review, may adjust your Account for any errors including any errors on your deposit slip. Its where Frost Banks main administrative headquarters is located. Web16500 San Pedro Ave. San Antonio, TX 78232 Alamo Heights Financial Center Lobby Open Now Closes at 1:00 PM 110 Austin Hwy San Antonio, TX 78209 Alamo Ranch Financial Center Lobby Open Now Closes at 1:00 PM 11839 Culebra Rd San Antonio, TX 78253 Bandera/1604 Financial Center Lobby Hours Open Now Closes at 1:00 PM 11555 If a third party is also involved in the dispute, and a Party invokes such dispute resolution provisions, then the dispute will be decided with respect to the third party according to the dispute resolution provisions set forth above as well. You should understand, however, that it is easier for someone to imitate, duplicate, counterfeit, or gain unauthorized access to, or otherwise manipulate, a form or mechanical signature than it is for someone to imitate, duplicate, counterfeit, or gain unauthorized access to, or otherwise manipulate, a unique and distinctive signature. (4) Postdated Items You agree that when you write a check you will not date the check in the future. Magnetic Ink Character Recognition Line or MICR Line means the numbers, which may include the routing number, Account number, check number, check amount and other information, that are printed near the bottom of a check in magnetic ink in accordance with the Standards. You have overdrawn your Account repeatedly in the last six (6) months. Depending on the type of check that you deposit, funds may not be available until the second Business Day after the day of your deposit. Once coin and/or currency is picked up by Carrier, the Carrier accepts liability for the Vault Deposit during the transfer from the customers location to the remote cash vault at the designated Carriers location. A. You agree that you, as the Business Account Holder, shall be solely responsible for all acts of any such Third Party. We may accept for deposit checks payable to any signer on your Account when endorsed by any other signer. YOU UNDERSTAND AND EXPRESSLY ACKNOWLEDGE AND AGREE THAT, TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, WE SHALL NOT BE LIABLE FOR ANY CONSEQUENTIAL, INCIDENTAL, INDIRECT, EXEMPLARY, SPECIAL OR PUNITIVE DAMAGES (INCLUDING, WITHOUT LIMITATION, LOSS OF REVENUE OR ANTICIPATED PROFITS) OR FOR ANY INDIRECT LOSS THAT YOU MAY INCUR OR SUFFER IN CONNECTION YOUR USE OF DIGITAL DEPOSITS OR OUR TERMINATING YOUR DIGITAL DEPOSITS SERVICES IN ACCORDANCE WITH THIS AGREEMENT. Statements (and any accompanying items) shall be deemed made available to you by mail on the third (3rd) Business Day after the date when we mailed the statement to your statement mailing address, and statements shall be deemed made available to you through Online Statement Delivery (if applicable) on the date when the statement is posted in Online Banking. 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