Electronic Funds Transfers Generally Frost Online Banking Services for Personal and Business Accounts, As part of the Frost Online Banking Services as defined in the Frost Online Banking Agreement and Disclosure for Personal Accounts, and the Business Debit Card Agreement and Disclosure (or other similar agreement) for Business Accounts, you may use your computer or mobile device to obtain Account information, make certain funds transfers, and to arrange for payment of bills. (i) ATM Transactions You can get a receipt at the time you make any transfer to or from your Account using one of our ATMs. You agree to be bound by any payment order for any Wire Transfers or other transfers not governed by the Electronic Funds Transfer Act, whether or not such payment order is authorized, issued in your name and accepted and executed by us in compliance with any commercially reasonable Security Procedures as mutually agreed to by you and us. A. It is not Frosts responsibility to detect any inconsistency between the Account number you provide and the name. Except as otherwise required by applicable law, Frost may block, restrict, suspend or terminate your use of any Mobile Card at any time without notice and for any reason, including if you violate the terms of this Agreement or any of your card member agreements, if Frost suspects fraudulent activity, or as a result of the cancellation or suspension of your Payment Card account. You must separately contract with an armored carrier (Carrier) that is acceptable to us to allow Vault Deposit delivery to a remote cash vault location. 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. H. Suspension; Cancellation Frost Bank also employs various security and authentication measures to ensure to you that the device you are connected to for Online or Mobile Banking Services is recognized by Frost. Wire Transfers and Automated Clearing House (ACH) Transactions Q. Except as otherwise indicated in this Agreement, the arbitrator(s) will have the power to award to a Party any damages or other relief provided for under applicable law. In addition, repeated or serious violations of the Frost Bank code of conduct by a Frost Bank customer may result in action against such customer, including, but not limited to, Frost Bank exercising its rights under Section III.D. 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. (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. If your bank charges a fee, expect to pay between $5 and $15. Monetary instruments are official checks, cashiers checks, money orders, foreign drafts, travelers checks and certain types of gift cards and other stored value products. We reserve the right to convert or change your Account type at any time when we consider it appropriate or necessary to do so. How To Log In To Your Frost Bank Account From a Mobile Phone or Tablet. If you have any questions about our Fraud Prevention Services, our fees, or anything at all, we're always here to answer your questions. Generally, everyone whose name is on a joint account can write checks, withdraw money, and make transactions. A. Substitute Check means a paper reproduction of an Original Check that: (1) contains an image of the front and back of the Original Check; (2) bears a MICR line that, except as provided under the applicable Standard, contains all the information appearing on the MICR line of the Original Check at the time that the Original Check was issued and any additional information that was encoded on the Original Checks MICR line before an image of the Original Check was captured; (3) conforms in paper stock, dimension, and otherwise with ANS X9.100-140 (unless the Federal Reserve Board by rule or order determines that a different standard applies); and (4) is suitable for automated processing in the same manner as 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. Wells Fargo currently charges up to $7.50 for a non-customer to cash a check drawn upon their bank without having an account. Such negotiation may include an in person meeting between you and the Bank at a mutually agreed time and place, and an exchange of documents pertaining to the dispute. Frost Bank is located in San Antonio, Texas, and that is where your Account was opened and is maintained. Such Frost Bank authentication procedures include, but are not limited to, use of customer online banking User IDs, passwords and other additional authentication information that Frost Bank may require you to provide, in its sole discretion. The amount of our loss which we may recover from you may be limited under the Check 21 Regulations. The interest rate and annual percentage yield may change at any time at our discretion. DIGITAL DEPOSITS You can go directly to your bank and ask for a cash advance. You have overdrawn your Account repeatedly in the last six months. If we ask you to put your complaint or question in writing and we do not receive it within ten (10) Business Days of our request, we may not credit your Account. 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. You view exceptions each morning and decide to pay or return the item. 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. Fees could reduce earnings on the account. Underneath the line where you sign the check is a small area for notes. (1) Notice of Amendments You agree that from time to time we may amend the terms and conditions of this Agreement, including without limitation all rates, fees, and charges, to the extent permitted by law. 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. (8) Signatures If you make deposit via Digital Deposits on a day that is not a Business Day, we will consider such deposit made on the next Business Day we are open. Notify Us of Inaccurate Information We Report to Consumer Reporting Agencies. (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. (60) calendar days after the statement showing the transaction has been mailed to you. It does not in any way imply or suggest that the customer is engaging in criminal or suspicious activity. Checks or other items containing apparent alteration to any of the information on the front of the check or item, or which you know or suspect (or should know or suspect) are fraudulent or otherwise not authorized by the owner of the Account on which the check or item is drawn. ), or otherwise made available to you. We strongly encourage you to review the Security Procedures, requirements and recommended practices in your applicable agreement and disclosure and any supporting documentation regarding Frost Bank Online Banking Services, which includes Mobile Banking Services and Banks remote deposit capture services, Digital Deposits., C. Mobile Device and Wireless Internet Access. B. USE OF A MOBILE CARD INVOLVES THE ELECTRONIC TRANSMISSION OF PERSONAL INFORMATION THROUGH THIRD-PARTY CONNECTIONS. In addition to the communications you expressly consent to receive under Section IV.C. P. Your Responsibilities, IX. Limitation of Liability However, the IRS does receive information about your money movements from banks and other financial institutions. C. Consent to Autodialed and Prerecorded Phone Calls and Text Messages; Consent to Fraud Alert Text Messages and Email Communications; Consent to Geo-Location Based Fraud Prevention. DIGITAL WALLET SERVICE Once created, a Mobile Card may work even if you do not have wireless service. (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. 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. If the Account is a Personal Account, then these transfers are governed by the Electronic Funds Transfer Act and Regulation E, and are also governed by the NACHA Operating Rules and Operating Guidelines and are also subject to the separate Frost Bank Electronic Funds Transfer Agreement and Disclosure as described in Section X.B. (4) Changes 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. You are responsible for the establishment and maintenance of your internal procedures reasonably adapted to insure the confidentiality and security of Security Procedures. C. Customer Representations and Agreements; Indemnity. What information is required if I send someone else to conduct the transaction for me? If you make a deposit on a day that is not a Business Day, we will consider the deposit made on the next Business Day we are open. (8) Represented Check Transaction No Electronic Image submitted by you to us represents an Original Check that has already been collected. We reserve the right to refuse any item for deposit into your Account. Checks or items drawn on foreign financial institutions or payable other than in United States currency. In order for Frost to authorize your use of your Payment Card within the Digital Wallet Service, your Payment Card must be an eligible Payment Card type, your Payment Card and the underlying Account must be in good standing, and you must not be restricted from using the Digital Wallet Service based upon any limitations imposed by your Digital Wallet provider, your wireless service provider, and/or any third party associated with your Digital Wallet. (14) Electronic Checks FROST DISCLAIMS ANY RESPONSIBILITY FOR THE DIGITAL WALLET OR ANY WIRELESS SERVICE USED TO ACCESS, USE OR MAINTAIN A MOBILE CARD OR ACCESS THE DIGITAL WALLET SERVICE. Monthly Service Charge. You redeposit a check that has been returned unpaid. 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