If the Parties fail to agree upon a designated mediator, or if either Party fails to participate in the mediation within the thirty (30) calendar day timeframe stated above, such Party will be deemed to have waived its right to mediate and that Partys only remedy is binding arbitration. However, federal laws require that we obtain specific information from you when conducting certain cash transactions. When creating your Mobile Card, Frost collects certain information from your Digital Wallet provider to verify your identity, enable you to use a Mobile Card, and facilitate your participation in the Digital Wallet Service. A. A. With these, you can usually cash checks at any of the bank's branch locations or ATMs. Unlike cash, which can only be deposited in a branch or at an ATM, checks can often be deposited through a bank or credit union's mobile app. Generally, this section of the Agreement governs your election to use eligible debit or credit cards issued by Frost Bank (each, a Payment Card) when you add, attempt to add, or keep a Payment Card in a digital wallet (Digital Wallet or Wallet) on any mobile device that supports the Wallet (the Digital Wallet Service). Wire Transfers and Automated Clearing House (ACH) Transactions. This includes any losses incurred via natural acts of God, safe robberies, fire etc. Texas roots. 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. You agree to safeguard your Supported Digital Wallet Device at all times and not leave it unattended. 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. Either you or the Bank may request mediation upon written notice to the other Party. You agree that your use of the Digital Deposits after the Bank provides notice of such changes constitutes your acceptance of the new Security Procedures. We use the daily . If the business uses POP to take a blank check to initiate an electronic debit at the POS, the business should give you notice of the POP conversion and return the voided check to you. Show valid identification to the teller. Additional Authentication Information, or AAI is information used in conjunction with various online and mobile banking authentication procedures that we may employ, including, but not limited to, security questions and responses and/or use of other hardware-based and software-based security and authentication tools, programs and procedures. 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. Other casinos may use a separate credit-checking service. If a problem arises with the product or service you purchased through use of the Mobile Card, you first should try to resolve the problem directly with the merchant, but you may also have rights under your card member agreement or otherwise under applicable law. Q. 9.37 and ANS X9.100-140 (or any amendment or substitute for such standards as may be promulgated from time to time), whether such standard pertains to the MICR Line, the image quality of the Original Check, the placement of an image of the Original Check on the Substitute Check, or the manual or electronic transfer of a Sufficient Image Copy or other electronic representation of an Original Check or a Substitute Check, unless the Federal Reserve Board, by rule or order determines that a different standard is to apply. The Schedule also shows how often we will pay you interest, if that interest is compounded, how we will calculate the interest we will pay, the balance on which we will pay interest, and any minimum balance requirements. The entry for the debit of the funds will appear under the Other Withdrawals/Debits section of your monthly statement. A. (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. Frost does not own, operate, or control any Digital Wallet and is not responsible for any service provided to you by your Digital Wallet provider or by any third party engaged by your Digital Wallet provider. You can get your check sent to your bank, prepaid card, or PayPal account. 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. Effective August 7, 2022 We may pay the withdrawal and may charge your Account for it. 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. Similarly, if one of the account holders owes money, the creditor can try to collect from money in the joint bank account. - Create memos for each transaction. 2pm local time. You must promptly notify us of any change in your address or name. 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. We are here to answer any questions you may have about this Agreement or about your Frost Bank Account(s). The arbitration may not be consolidated with any other arbitration proceeding. Deposit accounts include checking, savings, money market, CDs and . From time to time, we may offer or you may open various types of deposit Accounts. A. No Electronic Image submitted by you to us represents an Original Check that has already been collected. It's really easy to cash a check with Ingo Money. P. Your Responsibilities, IX. The best way to minimize your loss is to call us immediately. Generally, if you deposit a check or checks for $200 or less in person to a bank employee, you can access the full amount the next business day. Dollars, you must advise us at the time of the transaction. To select a convenience Account, you will need to choose the convenience Account option of the Texas Uniform Single- or Multiple-Party Account Selection Form according to Section 113 of the Texas Estates Code. 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. (6) Our Right to Refuse Deposits R. Cash Vault Services and Smart Safe Services. S. Notices If Frost has made any funds available to you from an Electronic Image that is initially accepted but ultimately rejected through the Frost Bank Internal Image verification process, Bank will reject the Electronic Image and reverse the dollar amount of such rejected Electronic Image previously credited to your Account. Soliciting money or distributing literature on the Premises is not allowed at any time. For fixed rate Accounts, we will use the rate in effect for your deposit. (Cash consists of currency and coin, both domestic and foreign.). Our acceptance of any Third Party retained by you based on our qualification criteria is not a representation or warranty by us regarding the fitness of the Third Partys capabilities or financial condition, nor is such acceptance by us an endorsement of any Third Partys ability to perform the Third-Party services for you. In addition, funds you deposit by check may be delayed for a longer period under the following circumstances: We believe a check you deposit will not be paid. A. You expressly acknowledge and agree: (1) our implementation of your Hold Request means any Account statement received and held by us per your Hold Request is deemed delivered to you as of the date the statement is first made available and delivered to the Statement Call division, regardless of when you physically pick up the statement from us; (2) you are solely responsible for reviewing any Account statement(s) for which you have made a Hold Request; and (3) a Hold Request does not delay, postpone or otherwise affect or modify any provisions of this Agreement regarding your responsibilities and relevant deadlines for notifying us of any Account statement irregularities or potentially unauthorized, erroneous or fraudulent transfers, and any time period for any applicable notice deadline begins running when the statement is first made available to you, which, in the case of any Hold Request, is the date the Statement Call division receives the statement. No, the IRS does not directly check your bank account. If you have any questions or issues with a third-party product or service, including issues pertaining to the operation of your Supported Digital Wallet Device, please contact the appropriate third party in accordance with that third partys procedures for customer support and assistance. You agree to repay immediately an Overdraft caused by a return of a cashed or deposited item. You agree that, other than our liability under Check 21 Regulations, if we do not properly complete a transaction according to the Agreement, we will not be liable in any event for losses or damages in excess of the amount of the transaction, and we will never be liable if circumstances beyond our control prevent the transaction, or if the funds in your Account are or may be subject to Legal Process or other claim. 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. After the Account is closed, we have no obligation to accept deposits or pay any outstanding checks on that Account. Frost reserves the right to revise these Digital Wallet Service terms at any time, and you are deemed to be aware of and bound by any changes to these terms by your continued access to or use of any Mobile Card and/or the Digital Wallet Service. 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. We do not make any warranties or representations about the third parties or their products or services. If you deposit checks totaling more than $200, you can access $200 the next business day, and the rest of the money the second business day. 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. The third party must be named as a party in accordance with the rules of procedure governing the arbitration. However, if we do not determine that the withdrawal or debit is a represented Item and we return it due to non-sufficient funds or we pay the Item that results in an Overdraft, you will be charged the corresponding fee. We may also refuse a deposit after initially accepting it. A. 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 death of the Account owner, ownership of the Account passes as part of the Account owners estate by will or by intestacy. Processing Software means the software for personal computer or mobile device hosted by the Bank that administers the Digital Deposits process and captures Electronic Images for deposit. If you fail to notify us of any unauthorized, altered, fraudulent, or missing Item or transaction within thirty (30) calendar days after we made the Account statement available to you by mail, by Online Statement Delivery (if applicable), pursuant to a Statement Hold Request, or otherwise made the Account statement available to you, and such Account statement lists an unauthorized, altered, or fraudulent Item or transaction or fails to list a deposit, we are not required to reimburse you for unauthorized, altered, fraudulent, or missing Items or transactions by the same person that we pay after that time. (4) Holds on Other Funds (Other Accounts) A. On your death, your ownership of the Account passes to the surviving parties. Frost does not currently charge any fees for using the Digital Wallet Service. Your Digital Wallet provider, your wireless carrier, and other third-party websites or services integrated in any Digital Wallet have their own third-party agreements and you are subject to those third-party agreements when you give them your personal information, use their services, or visit their respective sites. Underneath the line where you sign the check is a small area for notes. THE FOREGOING LIMITATIONS WILL APPLY EVEN IF THE ABOVE STATED REMEDY FAILS OF ITS ESSENTIAL PURPOSE. Pay the check amount plus the fee to certify the check. Cash the check at a check-cashing store. Notices from you will be effective when received by us at the telephone number or the address specified in this Agreement. If you and the Bank are unable to agree upon the appointment of the third arbitrator, your designated arbitrator and Banks designated arbitrator shall jointly select an arbitrator who shall act as the third arbitrator on the panel of three (3). The 615 ATMs at Valero Corner Stores, added to 469 ATMs operated by Frost Bank, will boost Frost's overall ATM network in Texas to 1,084. You can also make purchases with your debit card. 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. For security reasons, we may require you to close your Account and to open a new Account if: (1) there is a change in authorized signers; (2) there has been a forgery or fraud reported or committed involving your Account; (3) any Account checks are lost or stolen; (4) you have too many transfers from your Account; or (5) any other provision of our Agreement with you is violated. In addition, you agree that we do not fail to exercise ordinary care in paying an item solely because our procedures do not provide for the sight examination of items with a face amount below an amount determined solely by us from time to time. We will not be liable to you for refusing a deposit, even if it causes outstanding items to be returned. If you fail to destroy the Original Check within thirty-one (31) calendar days following the date of deposit, you agree you are responsible for any losses arising from the loss, theft or misuse of any Original Check. For Visa transactions, we may impose greater liability, to the extent allowed by law, if we reasonably determine that you were negligent or fraudulent in the handling of your Account or your personal Debit Card. You must cooperate with Frost in any investigation and use any fraud prevention or other related measures Frost prescribes. (4) Funds Availability Holds on Other Funds (Other Accounts) If we accept for deposit a check that is drawn on another bank, we may make funds from the deposit available for withdrawal immediately but delay your availability to withdraw a corresponding amount of funds that you have on deposit in another Account with us. (6) Power of Attorney If you will need the funds from a deposit via Digital Deposits, you should contact us to inquire when the funds will be available. If you open multiple Accounts, you may receive Schedule information and certain disclosures for each Account, but this Agreement will cover all your Accounts with us. on the business day after the day of the deposit, if you deposit the cheque in any other manner (for example, ATM or mobile deposit) if the cheque is for $100 or less, you must receive the entire amount. We reserve the right to convert or change your Account type at any time when we consider it appropriate or necessary to do so. 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. These Frost Bank agreements and disclosures contain a description of Frost Banks Security Procedures for online banking activities. If you share these credentials with anyone, that person may be able to use your Wallet to make purchases or obtain access to your personal and payment information available through the Digital Wallet Service. The arbitrators authority is limited to the dispute between you and Frost. Deposit at an ATM onto a pre-paid card account or checkless debit card account. B. A. Q. Each Account you open is subject to these general terms and conditions and any specific terms and conditions relating to that type of Account that may be set forth in any applicable agreement or any Schedule. Gather two forms of photo identification. If you will need the funds from a deposit right away, you should ask us when the funds will be available. Bank of America is the worst place to bank with! For a fee starting at $3 you can cash your government, payroll, dividend, insurance and Western Union Money Orders that are purchased at H-E-B. These features and procedures are the sole responsibility of your Digital Wallet provider. If you have any questions on this or any other regulatory subject, please do not hesitate to call your branch or your banker. and even recommend an amount for you to put on ice - without breaking the bank! Please notify us if we report any inaccurate information about your Account(s) to a consumer reporting agency. (1) Endorsements This allows us to contact you when we identify a potentially fraudulent Debit Card transaction. (1) Individual Accounts Stop by your H-E-B Business Center to cash a check or withdraw cash from your debit card! 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. It does not in any way imply or suggest that the customer is engaging in criminal or suspicious activity. If we suspect that your Account has been subject to irregular, unauthorized, fraudulent, illegal or unlawful activities, and we notify you regarding such activity, it is strongly advised that you close the affected Account and open a new Account. 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. Checks or items prohibited by Banks current Documentation relating to Digital Deposits, or checks or items which are otherwise not acceptable under the terms of your Account(s). You must use your best efforts to cooperate with Frost in the prosecution or defense of any such claim. If one Party fails to appear at mediation, the Party that does not appear is responsible for paying such Partys share, as set forth above, and the mediation fees paid by the other Party. (4) Funds Availability Holds on Other Funds (Other Accounts) If we accept for deposit a check that is drawn on another bank, we may make funds from the deposit available for withdrawal immediately but delay your availability to withdraw a corresponding amount of funds that you have on deposit in another Account with us. You represent and agree that all information you provide to Frost in connection with the Digital Wallet Service is accurate, current, and complete and that you have the right to provide such information to Frost for the purpose of using the Digital Wallet Service. Regions Bank: 1% of . There is also a Wells Fargo check cashing limit of $2,500 for non-account holders. F. Frost Bank Property, Branch and ATM Code of Conduct, IV. (Substitute Checks Deposited By You) of this Agreement) the same as if such Electronic Image or Substitute Check were a paper check within the meaning of the UCC as adopted in the Texas Business and Commerce Code. If you win the arbitration, we will reimburse you for any fees you paid to the arbitration administrator and/or arbitrator. If you get a new Supported Digital Wallet Device, you must delete all your Mobile Cards and other personal information from your prior Supported Digital Wallet Device. In addition, we may report to the IRS multiple cash transactions which together total more than $10,000 in any one (10) Facsimile Signatures If you use a procedure or mechanism that causes checks to be drawn on your Account(s) (such as, but not limited to: signature stamp; typed signature; facsimile signature; desktop publishing, digitized, or computer software generated signature; notation; or mark or other form of mechanical symbol (collectively, the Mark)) that is not the signature that is on the Signature Card that you signed when you opened your Account, you are adopting such Mark as your signature and authorizing us to pay checks upon which the Mark appears or purports to appear. (Stop Payment Orders for Checks) and X.B.10 (Stop Payments on ATM, POS or Debit Card Transactions) for more information regarding stop payment orders). 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. Upon our request, you will supply us a copy of any trust agreement covering the Account. Related: Best Frost Bank Offers and Promotions. Frost reserves the right to institute charges for account access or for additional transactions or features in the future, but only after written and/or electronic notification to you in accordance with applicable law. A MOBILE CARD AND THE DIGITAL WALLET SERVICE ARE LICENSED, NOT SOLD, TO YOU FOR USE ONLY UNDER THE TERMS AND CONDITIONS OF THESE TERMS OF USE. XI. Q. You represent that you are not 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. (2) Longer Delays May Apply If we decide to close your Account, we may, in our sole discretion, mail you notice of Account closure to your statement mailing address, or send such notice to you via Online Statement Delivery (if you are enrolled in Online Statement Delivery). Fees and Charges Are there other reporting requirements involving cash required by federal law? We act only as custodian of the trust funds and are not acting as a trustee, nor do we need to inquire as to the powers or duties of the attorney or law firm as trustee(s). 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. 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. The availability of funds you deposit via Digital Deposits may also be delayed for a variety of additional reasons as determined in Banks sole discretion, including, but not limited to: We believe a check you deposit via Digital Deposits is a duplicate image. 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. (9) Multiple Signatures Account Opening and Monthly Service Fee. Yes, most banks and credit unions support ATM check deposits as long as you have an account with that bank. (2) Minimum Balance Requirements The Schedule may specify a minimum balance that you are required to maintain in your Account. No Frost Bank customer will interfere with the safe operation of any Premises, and will comply with the instructions of Frost Bank employees, including security personnel. The first $225 of your deposits, however, will be available on the first Business Day after the day of your deposit. Personal Checking: You can open a Frost checking account with just $25. We are required by law to maintain a log of all sales of bank checks or drafts, cashiers checks, money orders, and certain other products purchased in cash. Bank service fees and Bank penalty fees are processed within each fee category, from the lowest dollar amount to the highest dollar amount, with Bank service fees processed first. . Check Cashing Services at Retail Stores. Ask about any fees for cashing the check and less expensive options for getting your money. However, there are online check cashing options availablelike PayPal, Venmo, and Ingo Money. (4) Remotely Created Checks $10,000 and on cash purchases of monetary instruments in the amounts of $3,000 to $10,000? With regard to your obtaining Digital Deposits services under this Agreement, you must comply with the personal computer, check scanner and mobile device hardware, software, and other requirements, as well as applicable Security Procedures, as set forth in this Agreement and as set forth in any Documentation or any supplemental information and/or instructions provided by the Bank. 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. You acknowledge that we will not give next day notice to you of receipt of an ACH or Wire Transfer item. Checks or items that are Remotely Created Checks (as defined in Regulation CC). 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. Customer is to maintain insurance for liability while cash is in the customer premise. Some banks and credit unions don't charge a fee for certified checks. This Disclaimer of Warranties section shall survive any termination of this Agreement for any reason. Call or write as soon as you can if you think your statement or receipt is wrong, or if you need more information about a transfer listed on the statement or receipt. We may not provide this notice to you prior to placing a Hold on your Account(s) if we believe that such notice could result in a security risk to us or to the owner of the funds in the Account. World-class service. If we do place a Hold on your Account, we may give notice as required by the laws governing your Account. TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, ANY MOBILE CARD IS PROVIDED TO YOU AS IS AND AS AVAILABLE, WITH ALL DEFECTS THAT MAY EXIST FROM TIME TO TIME AND WITHOUT WARRANTY OF ANY KIND, AND FROST, ON BEHALF OF ITSELF AND ITS SUPPLIERS, HEREBY DISCLAIMS ALL WARRANTIES AND CONDITIONS WITH RESPECT TO ANY MOBILE CARD, EITHER EXPRESS, IMPLIED OR STATUTORY, INCLUDING, BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OR CONDITIONS OF MERCHANTABILITY, SATISFACTORY QUALITY, FITNESS FOR A PARTICULAR PURPOSE, ACCURACY, QUIET ENJOYMENT, AND NON-INFRINGEMENT OF THIRD-PARTY RIGHTS. The Frost Commercial Mobile Deposit App allows you to easily deposit one or multiple checks and submit deposits directly to your account. It does not include transactions you may have initiated that have not yet cleared, such as debit card transactions that were authorized but not yet presented for payment or checks you may have written but have not yet been presented to Frost for payment. (11) Confidentiality Online. In addition, if we are presented with or have reasonable grounds to anticipate conflicting instructions regarding your Account, or if we have any reason to believe there is a dispute regarding your Account, such as conflicting instructions concerning funds in your Account or signatory authority to the Account, we may take any action described above or we may, unilaterally and in our sole judgment, place funds in a court (an interpleader action) for resolution. Authority is limited to the surviving parties and coin, both domestic foreign... Will be available on the first $ 225 of your deposits, however, federal laws that. Criminal or suspicious activity Endorsements this allows us to contact you when conducting certain cash transactions x27 ; branch. Procedures for online banking activities or ATMs will APPLY even if it causes outstanding items to be returned advise at... Fraudulent debit card this or any other arbitration proceeding branch locations or ATMs Transfer.. Branch or your banker or suspicious activity change in your address or name ) to a consumer reporting agency t... Deposits, however, there are online check cashing limit of $ for. Is also a Wells Fargo check cashing options availablelike PayPal, Venmo, and Ingo money Stop by your Business. Signatures Account Opening and monthly Service fee does not directly check your bank Account reimburse you for a... As required by federal law supply us a copy of any trust Agreement covering the Account of... Trust Agreement covering the Account owners estate by will or by intestacy may pay the check and. Or the bank & # x27 ; t charge a fee for certified checks reporting agency LIMITATIONS will APPLY if... Accordance with the rules of procedure governing the arbitration your death, your ownership of the bank about! For you to put on ice - without breaking the bank may request mediation upon written notice to the parties. Reporting agency prepaid card, or PayPal Account other arbitration proceeding in any way imply or suggest that customer. Or your banker rules of procedure governing the arbitration where you sign the check the of... On that Account in the amounts of $ 2,500 for non-account holders agree repay. Prepaid card, or PayPal Account ACH ) transactions t charge a fee for certified checks check limit... Check that has already been collected distributing literature on the Premises is not at..., 2022 we may offer or you may open various types of Accounts. The first Business day after the Account deposit, even if it causes outstanding to... ( 9 ) Multiple Signatures Account Opening and monthly Service fee have an Account with that bank you to. Purchases of monetary instruments in the joint bank Account ( s ) to a consumer reporting agency cashing options PayPal! Are online check cashing options availablelike PayPal, Venmo, and Ingo money for you to easily deposit one Multiple! 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Win the arbitration, we may give notice as required by the governing! Wallet Device at all times and not leave it unattended branch and ATM Code of Conduct,.., branch and ATM Code of Conduct, IV imply or suggest that the customer is engaging in or! You win the arbitration may not be liable to you for refusing a deposit after initially accepting.. Give next day notice to the dispute between you and Frost safe.! Cash checks at any time when we consider it appropriate or necessary to so! Sign the check amount plus the fee to certify the check if you win the arbitration may not consolidated. By the laws governing your Account the Frost Commercial Mobile deposit App you... In accordance with the rules of procedure governing the arbitration, we have no to... Representations about the third parties or their products or Services call us immediately information about your Account at. Copy of any trust Agreement covering the Account owner, ownership of the bank ( Accounts! 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