If you submit your deposit within the below timeframes: Up to $225 is available: Remaining funds of deposits are available: Monday-Friday, prior to 6 pm ET. 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. (10) Stop Payments on ATM, POS, or Debit Card Transactions If we believe there is a dispute between joint Account Holders or we receive inconsistent instructions from the Account Holders, we may suspend or close the Account, require a court order to act, and/or require that all joint Account Holders agree in writing to any transaction concerning the Account. You agree not to use your Account in any illegal activity, including, but not limited to, restricted transactions as defined under the Unlawful Internet Gambling Enforcement Act. M. Right of Setoff Head to the bank. A. Any receiving financial institution (including us) is entitled to rely on any Account or bank number you have provided even though that Account or bank number may identify a party different from the person or entity you have described by name in any transfer order. 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). We will mail notice to you at least twenty one (21) calendar days before the effective date of any change, as required by law. 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. We may pay funds in the Account to the convenience signer or at the convenience signers direction either before we receive notice of your death, or before we receive written notice signed by you that the authority of the convenience signer has been revoked and instructing us to remove the convenience signer from your Account. However, Frost Bank customers also have a responsibility to themselves and to others (including Frost Bank employees) to ensure that everyone who is present on the Premises conducts themselves in a respectful, safe and secure manner to promote a safe and pleasant in-person banking experience. We may determine the Current Balance in your Account that is used to determine whether or not a transaction is paid or results in an Overdraft at any time between the earlier of: (1) when the withdrawal or debit is presented to us for payment (by electronic or other means) or the time we receive notification that the withdrawal or debit has been deposited for collection at another financial institution; or (2) the deadline for us to take action on the Item. We will not be liable to you for refusing a deposit, even if it causes outstanding items to be returned. You deposit checks via Digital Deposits totaling more than any applicable daily dollar amount limit, monthly Item limit or any other limitations on your Digital Deposits that Bank may impose. (13) Re-presented Checks You may authorize a merchant to create an electronic withdrawal from your Account for the amount of your check when the original paper check is returned to the merchant for insufficient or uncollected funds. Checks or items drawn on foreign financial institutions or payable other than in United States currency. 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. You will have no liability for unauthorized transactions if you notify us within sixty An AFT is a transfer of funds from a Visa card account to another eligible account. * View and zoom, save and print cleared check images. (3) Notice Requirements We retain the right to require you to give at least seven (7) calendar days notice in writing prior to any intended withdrawal from your Account. If you do not want us to pay a stale-dated check, you must place a stop payment order on it (see Section VI.H. 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. Stop by your H-E-B Business Center to cash a check or withdraw cash from your debit card! If you have not made a withdrawal from, or a deposit to, your Account for an extended period of time and we have been unable to contact you, your Account may be classified by us as dormant Account. (3) Certain Direct Deposits If we offer direct deposit services for automatic preauthorized deposits to your Account of Social Security payments or automatic transfers from your other Accounts with us, you must notify us at least thirty (30) calendar days prior to the next scheduled direct deposit or preauthorized transfer if you wish to cancel the direct deposit or transfer service. You agree that you, as the Business Account Holder, shall be solely responsible for all acts of any such Third Party. The Digital Wallet Service enables you to create virtual representations of your Payment Cards (collectively, Mobile Cards) on an eligible Mobile Device to make: (1) contactless payments at merchants contactless-enabled POS terminals or readers that accept contactless payments using a virtual representation of your Payment Card (in lieu of you presenting your physical Payment Card) and (2) in-app or other digital commerce payments at merchants participating in the Digital Wallet Service. Checks with a value greater than $50 will be charged $8 per check. The mobile check deposit limit varies by financial institution and account but can range anywhere from $500 to $2,500 per day. (11) Confidentiality FROST WILL NOT BE LIABLE TO YOU FOR ANY CIRCUMSTANCES THAT INTERRUPT, PREVENT OR OTHERWISE AFFECT THE FUNCTIONING OF ANY MOBILE CARD, SUCH AS UNAVAILABILITY OF THE DIGITAL WALLET OR YOUR WIRELESS SERVICE, COMMUNICATIONS, NETWORK DELAYS, LIMITATIONS ON WIRELESS COVERAGE, SYSTEM OUTAGES, OR INTERRUPTION OF A WIRELESS CONNECTION. R. Cash Vault Services and Smart Safe Services. (6) Power of Attorney For purposes of this subsection, the person executing a power of attorney will be referred to as the principal, and the person acting for the principal under the power of attorney will be referred to as the agent. If you desire to grant someone power of attorney over your Account, we ask that you complete a power of attorney form that is legally binding within the State of Texas (Power of Attorney) in accordance with Texas Estates Code Chapter 751. If you or your Account becomes involved in a Legal Process, your use of the Account may be restricted. 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. IMPORTANT INFORMATION ABOUT CASH REPORTING REQUIREMENTS FOR BANKS UNDER THE BANK SECRECY ACT, Frost Bank understands that most cash transactions are legitimate and that our customers are not involved in criminal activities. Your cardholder agreements with Frost contain arbitration provisions which also apply to your use of your Payment Card through the Digital Wallet Service. Only natural persons can own this type of Account, and you must execute a separate Health Savings Account Custodial Account Agreement to establish a Health Savings Account. However, there are some exceptions to our liability. recipient) as required by OFAC and the United States Department of Treasurys Financial Crimes Enforcement Network. We may close your Account (other than a CD) at any time for any reason or no reason. Fill out a deposit slip (if necessary) and sign the slip. 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. Your Digital Wallet provider, in its sole discretion, determines which Mobile Devices are eligible to be used with the Digital Wallet. This can be convenient as you can cash your check when you're doing your regular shopping. Given that your Supported Digital Wallet Device can be used like a Payment Card to make purchases, you must notify Frost in the event your Supported Digital Wallet Device is lost or stolen with the same urgency as if your actual Payment Card is lost or stolen. Truncate means to remove an Original Check from the forward collection or return process and send to a recipient, in lieu of such Original Check, a Substitute Check or, by agreement, information relating to the Original Check (including data taken from the MICR line of the Original Check or an Electronic Image of the Original Check), whether with or without the subsequent delivery of the Original Check. Stop payment orders remain in effect for 12 months. If you have this type of Account, your convenience signer has no ownership of the Account, and may not pledge or otherwise create a security interest in your Account(s). 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. immediately, if you deposit the cheque in person with a teller or bank employee. Automated processing means that in almost all cases we will not visually inspect checks to verify signatures or other information. The arbitration will be administered either by the American Arbitration Association (AAA) in accordance with its Commercial Arbitration Rules or Consumer Arbitration Rules, as applicable, and the Texas Arbitration Act, or by a like organization selected by the Bank in accordance with such organizations rules for resolution of commercial or consumer disputes, as applicable, and the Texas Arbitration Act. consumer/small business internet banking or treasury management internet banking). (ii) Convenience Account This type of Account is often used with family members when the owner needs help managing the Account, or simply wants a contingency signer. You are required to have an eligible Mobile Device (a Supported Digital Wallet Device) in order to use this service. 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