Look at a check-cashing . Consider using a check. Venmo: Best for ATM Access. You further represent that you do not derive any of your income from entities that are engaged in the production, manufacturing/refinement, distribution or sale of industrial hemp or industrial hemp-derived products (such as products containing CBD oil) that are not classified as Schedule I drugs under the federal Controlled Substances Act, either directly or indirectly (including, but not limited to, rental property income). 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. Personal Checking: You can open a Frost checking account with just $25. If you do not have a separate written agreement with us granting you the ability to create Substitute Checks, then you can only deposit Substitute Checks or any IRD that purports to be a Substitute Check if such Substitute Checks have already been endorsed by a bank. Creating a valid Substitute Check takes specialized equipment and adherence to precise specifications. The funds in the other Account would then not be available for withdrawal until the time periods that are described elsewhere in this disclosure for the type of check that you deposited. If you are engaged in any of the activities described above, you must disclose such fact prior to opening your Account with us, we reserve the right to request proof of current certifications or licensing for such activities, and we reserve the right to deny you an Account based on such activity. You may close your Account by notifying us at any time, except that we may require you to give us seven (7) days advance notice when you intend to close your savings or interest bearing checking Account by withdrawing funds. The site you are about to enter may be less secure and may have a privacy statement that differs from Frost. Generally For sale of monetary instruments reporting purposes, Frost Bank will accept passports and the Matricula Consular Card. Prior to binding arbitration described in this Agreement, you and the Bank shall first attempt to resolve any dispute arising out of your Account or this Agreement through negotiation. You will need to select the Multiple-Party Account Without Right of Survivorship designation on the Texas Uniform Single- or Multiple-Party Account Selection Form according to Section 113 of the Texas Estates Code. That organization will apply its procedures in effect at the time the arbitration claim is filed. designation. Although Frost Bank employs security and authentication procedures for customers using our Online Banking Services (including optional Mobile Banking Services), we strongly encourage you to conduct wireless Internet online banking activities only over a secure wireless network to further ensure that your Account information, password, User ID and any AAI cannot be intercepted during transmission over a wireless network without your knowledge or authorization. Yes. Contractual obligations, such as loans payable to us, are processed in order from the lowest dollar amount to the highest dollar amount. As part of that commitment, and in addition to optional account activity alerts that Frost provides to you, we also may provide text and email-based fraud alerts to all Frost customers. (4) Remotely Created Checks Unless Frost and you otherwise agree in writing, you agree you will not deposit, and we may refuse to accept for deposit, checks or other items that are Remotely Created Checks (as defined in the Federal Reserve Boards Regulation CC). If there is more than one Account owner, then each of you will be jointly and severally liable to us for debit balances in the Account, including, without limitation, Overdrafts and Account charges, and you each jointly and severally promise to pay, upon demand, any and all debit balances, all fees and charges, and our reasonable attorneys fees and costs and expenses of collection, including, but not limited to, those incurred at trial and on any appeal. You and any other trustee or person opening the Account, in your individual capacity and jointly and severally, 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 trustee with respect to the authority or actions taken by you in handling or dealing with the Account. 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. The Bank must have the full name of the business, the permanent address and the federal employer identification number/Tax Identification Number. 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. Any written notice we give to you regarding your Account statement is effective when it is deposited in the U.S. Mail, postage prepaid and addressed to you at your statement mailing address. However, if we need more time, we may take up to forty-five (45) calendar days to investigate your complaint or question. Our policy is to generally make funds from your check deposits available to you on the first Business Day after the day we receive your deposit. J. Any final arbitration award, rendered in a reasoned opinion, will be binding on the named parties and enforceable by any court having jurisdiction. Since 1868, Frost Bank has recognized and respected our customers right to confidentiality. Some banks and credit unions don't charge a fee for certified checks. Furthermore, if you provide us with an Electronic Image of a Substitute Check for deposit into your Account instead of an Original Check, you agree to reimburse us for all claims, losses, costs and damages we incur because the Substitute Check resulting from the Electronic Image does not meet applicable Substitute Check Standards or causes duplicate payments. If you use any Mark, you agree to deliver a sample to us upon our request. I am over it and will be banking somewhere else. Disputes in excess of $100,000 are subject to this same limitation. You further agree to notify us in writing of any changes in the person(s) authorized to act on behalf of the Account Holder, and change in the business entitys certificate of incorporation or other organizational document, or the form of ownership. No Electronic Image submitted by you to us represents an Original Check that has already been collected. 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. Stop payment orders are in effect for six (6) months and will automatically expire at the end of six (6) months from the date of the stop payment order, and you must ask us to renew any stop payment order that has expired. If you have any questions about our Fraud Prevention Services, our fees, or anything at all, we're always here to answer your questions. Monthly Service Charge. You should review any minimum balance requirements on any applicable Schedule(s). (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. N. Indemnification We provide this information only as a courtesy and convenience to you. You agree immediately upon notice from us to deposit funds sufficient to cover the amount of any Overdraft plus any Overdraft fees, if required. Are there other reporting requirements involving cash required by federal law? You may select some of the following Accounts by placing your initials next to the Account you select on the Texas Uniform Single or Multiple-Party Account Selection Form.. The term Agreement includes this document, the Account signature card and all signature card addenda (Signature Card), Truth in Savings disclosures and other Schedules, and any other agreement, as amended from time to time, that is applicable to the specific type of Account you open that we provide to you, including, but not limited to: the Frost Online Banking Agreement and Disclosure (which includes optional Mobile Banking Services); the Treasury Management Services Agreement; the Personal and Health Savings Account Debit Card Agreement and Disclosure (or other similar agreement); the Business Debit Card Agreement and Disclosure (or other similar agreement); and the Electronic Funds Transfer Agreement and Disclosure. (12) Converting Checks To Electronic Debits . Funds will normally be withdrawn from your Account the next Business Day. 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. 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). Take a photo of the front and back of your check. Withdrawals and transfers from your Account may be restricted as provided in any applicable Agreement or Schedule, or applicable law. We cannot facilitate any transactions involving any individuals or entities that are listed on the United States Department of Treasurys Office of Foreign Assets Controls Specially Designated Nationals and Blocked Persons List.. 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