(2) Longer Delays May Apply WITH YOUR USE OF DIGITAL DEPOSITS, AND IN ADDITION TO ANYTHING ELSE SET FORTH IN THIS AGREEMENT, YOU ASSUME LIABILITY FOR, AND HEREBY AGREE TO INDEMNIFY, PROTECT AND HOLD HARMLESS BANK AND ITS AGENTS, OFFICERS, DIRECTORS, EMPLOYEES, SUCCESSORS AND ASSIGNS (BANK INDEMNITEES), FROM AND AGAINST ANY AND ALL LIABILITIES, OBLIGATIONS, LOSSES AND EXPENSES, INCLUDING REASONABLE ATTORNEYS FEES, OF ANY KIND OR NATURE (DAMAGES) ARISING OUT OF THE USE OF, CONDITION (INCLUDING LATENT AND DEFECTS AND WHETHER OR NOT DISCOVERABLE BY YOU OR BANK), OPERATION, OWNERSHIP, SELECTION, DELIVERY, INSTALLATION OR LICENSING OF ANY ITEM OF PROCESSING SOFTWARE OR EQUIPMENT. We reserve the right not to send statements on Accounts we consider dormant. 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. Cash your checks quickly and easily at any KeyBank branch or drive-thru. Customer is to maintain insurance for liability while cash is in the customer premise. To complete transactions above a certain dollar amount, merchants may require presentation of a physical companion card or a government-issued form of identification for inspection to authenticate your identity. and even recommend an amount for you to put on ice - without breaking the bank! However, by noting the assignment, we do not have any responsibility to assure that the assignment is valid. Notify Us of Inaccurate Information We Report to Consumer Reporting Agencies. 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. With over 5,000 locations, close to 90% of the population in the United States lives within 15 miles of a Walmart. (Stop Payment Orders for Checks). 6pm local time (8pm local time at deposit envelope ATMs) PNC Bank. You represent that you are an authorized user of the Mobile Device you will use to access the Digital Wallet Service. ARC conversion may occur when you mail your check to a biller (e.g., credit card company, utility company) who uses the check information to initiate an electronic debit against your Account and may, at the billers discretion, destroy your check. On the death of the last surviving trustee, the ownership of the Account passes to the beneficiary. On your death, ownership of the Account passes as a part of your estate under your will or by intestacy. 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. (10) Stop Payments on ATM, POS, or Debit Card Transactions . 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. recipient) as required by OFAC and the United States Department of Treasurys Financial Crimes Enforcement Network. All endorsements must appear on the back of the check or other item within the first 1-1/2 inches from the left side of the item when looking at it from the front, except that for Substitute Checks, endorsements that appeared on the back of the Original Check must also appear on the back of the Substitute Check. 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. Late payments, missed payments or other defaults on your Account may be reflected in your credit report. You acknowledge and agree that the classification of a debit card transaction (except ATM transactions) as recurring or non-recurring is determined by merchants, other institutions or other third parties before it is presented to us for authorization or payment and we will treat and process such debit card transactions in the manner they are presented to us, which may result in one-time debit card transactions presented as recurring preauthorized transactions and vice versa. The stop payment request will be effective if we receive the order at such time and in such manner as to afford us a reasonable opportunity to act upon the stop payment order. When you select a Payment Card to use with the Digital Wallet Service, certain Account information for the Payment Card will be transmitted to and stored according to the Digital Wallet and Payment Card network procedures and systems for the Supported Digital Wallet Device to facilitate your participation in the Digital Wallet Service. The terms of use for your Payment Card which were provided to you when your Payment Card was issued, and as amended from time to time, remain in full force and effect regardless of whether or not you use the Digital Wallet Service. At no time is the Bank liable for the contents of such transfers. On your death, ownership of the Account passes to the payable-on-death (P.O.D.) beneficiaries you have designated. 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 may also restrict the types or sizes of transactions we permit an agent to conduct. The subaccounts will be comprised of a savings account and a transaction account. For additional information, you can view transaction details by logging into Frost Online Banking Services or you can call the number on the back of your Payment Card to speak to a Frost banker. (ii) Uniform Transfer to Minors If you have established the Account as a custodian for a minor beneficiary under the Texas Uniform Transfers to Minors Act, your rights and duties are governed by that act. It is anticipated that the arbitration will take place within ninety (90) calendar days after notice is given. If you have met, in our sole discretion, the conditions we have established for use of Digital Deposits to make deposits via Electronic Images, we will provide Internet access to our computer network and accept for deposit to your Account(s) the Electronic Images of Original Checks for collection as allowed under this Agreement and the Documentation. (3) Additional Account Types (2) General Information These provisions apply to electronic fund transfers involving Personal Accounts. This section pertains to individual Accounts: (i) Single-Party Account without P.O.D. Bottom Line. If any amount deposited must be returned to the government for any reason, you authorize us to deduct the amount from your Account as provided in the Final Payment paragraph above. The entry for the debit of the funds will appear under the Other Withdrawals/Debits section of your monthly statement. A. Debit Card Services (Including Health Savings Account Debit Cards) Either you or the Bank may request mediation upon written notice to the other Party. You represent that you are the legal owner of the Account(s) and other financial information which may be accessed via the Digital Wallet Service. For determining the availability of your deposits, every day is a Business Day, except Saturdays, Sundays, and federal holidays. When exchanging customer information with third-party processors, we enter into confidentiality agreements with respect to customer data. Any request for arbitration must be by written request delivered to the other Party by certified mail. 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. (1) ATM and Debit Card Transfers and Limitations You agree that we may return a postdated check to the presenter. Your rights will terminate automatically without notice from Frost if you fail to comply with these terms or if Frost terminates the use of your Mobile Card or the Digital Wallet Service. 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. Your stop payment order will not be effective if we have already certified, paid or otherwise become responsible for the check. In fact, the filing of a CTR is a common, routine event. The arbitrator(s) shall have no authority to award punitive damages or any other relief not measured by the prevailing Partys actual damages (e.g., two times actual damages). 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. The Bank will replace the Security Procedures in accordance with the Banks standard security requirements related to Digital Deposits. (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. You may ask for copies of the documents that we used in our investigation. The best banks in the U.S. typically offer simple bank accounts with a small minimum opening . This Account may only be owned by one (1) individual, but you can give your spouse, or another agent, the power to make transactions with respect to this Account. ), or otherwise made available to you. B. If you want to transfer ownership, we may require that you close the Account and open a new Account in the name of the transferee or pledgee. A foreign item may be returned unpaid much later (sometimes many months later) than checks or other items that are drawn on banks located in the U.S. 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. We may include your name, address and other required information within the Wire Transfer instruction, so we may comply with international and foreign payment regulations and requirements. You agree that if we pay a withdrawal or debit that results in an Overdraft or if we return a withdrawal or debit because your Current Balance is insufficient to pay the withdrawal or debit when it is processed against your account, we may charge you a fee, as allowed by applicable law and as set forth in the rate and fee Schedule applicable to your Account. Similar electronic funds transactions made with respect to Business Accounts are governed by the Texas Business and Commerce Code and any applicable federal law, rule, or regulation. Telephone Customer Service Here's how you can get started on the Frost Bank mobile app: We may charge your Account a fee for each Legal Process. B. It is not Frosts responsibility to detect any inconsistency between the Account number you provide and the name. Account means each and every deposit account that you have established with us, or that we have opened at your direction, whether a Business Account orPersonal Account. Non-resident aliens without a Social Security Number are required to provide an official document issued in their country. Schedule refers to any document specifying rates, fees or transaction limits pertaining to the Account in question, including, but not limited to, a Truth in Savings, Time Certificate of Deposit, Confirmation of Time Deposit, or any schedule setting forth Frost fees, limits, or both. Because of a lack of real-time balance information when in Stand-In Mode, we encourage you to use caution when conducting transactions that may move your Account balance into a negative or overdrawn status, which may cause you to incur an associated Overdraft fee. 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. 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. Over the phone. ACH Origination Debits are processed in the order from the lowest dollar amount to the highest dollar amount. Governing Texas law may be supplemented as necessary by federal law. An AFT is a transfer of funds from a Visa card account to another eligible account. To the extent that any of the defined terms in this Agreement or in the Documentation use a term not defined herein but otherwise defined in Regulation CC, then such definition also incorporates the meaning assigned to the applicable term as set forth in Regulation CC. However, under Article XVI, Section 50(a)(6)(H) of the Texas Constitution, we may not setoff against any of your Accounts for a liability arising from a home equity loan secured by Texas Homestead Property. Also, you and the Bank agree that the arbitrator(s) do not have authority to render a decision which contains reversible error of Texas or federal law, or to recognize a cause of action or remedy not expressly provided for under existing Texas or federal law. No. (3) Holds on Other Funds (Check Cashing) To help safeguard against potential unauthorized use of your Account, you should employ reasonable caution when using a mobile phone, mobile device, tablet, wearable device, or wireless Internet access to conduct any electronic transactions with us (including, but not limited to, SMS text message transactions). In the event that we offer you one (1) of our standard Security Procedures commensurate with the type of Wire Transfer or other transfer you request, and you reject such Security Procedures and instead opt for different Security Procedures, you hereby agree that such Security Procedures are deemed commercially reasonable and you agree you are bound by any such payment order executed pursuant to such Security Procedures you have selected. After the Account is closed, we have no obligation to accept deposits or pay any outstanding checks on that Account. (ii) Single-Party Account with P.O.D. The front of a Substitute Check states: This is a legal copy of your check. 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. Compounding generally means that interest is being accrued on interest previously earned but not yet paid. 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