Log in to Frost Online Banking and select the "Account Services" tab. (iii) Health Savings Account We can serve as your custodian for a Health Savings Account. We will also provide you with an estimate of when the funds will be available. Where there is any conflict of law regarding an appeal of any decision of the arbitrator(s), you and the Bank agree that Texas law shall control. If you use any Mark, you agree to deliver a sample to us upon our request. You authorize us to disclose information to third parties or our affiliates about you, your Account(s), or transfers you make: Where it is necessary for completing transfers; In order to verify the existence and condition of your Account(s) for a third party, such as a credit bureau or merchant; In order to comply with government agency or court orders, or other applicable law; If you give us your written permission; and. (iii) Periodic Statements You will get a monthly Account statement from us, unless there are no transfers in a particular month. Frost is not responsible for and is unable to disable your Supported Digital Wallet Device or Digital Wallet; Frost can only disable your Payment Card. 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. If you deposit items which bear the endorsement of more than one person or of persons who are not signers on the Account, we may refuse the item or may require you to have their endorsement guaranteed before we accept an item. 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. Consider a prepaid card account. There are limits on how much you can cash at Walmart. If your Account has not matured, any withdrawal of all or part of the funds from your Account may result in an early withdrawal penalty. You also can submit deposits for supervisor review on the Frost Remote Deposit Capture desktop system or Frost Commercial Mobile Deposit App before they are transmitted to the bank. 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. For Business Account customers, you understand and agree that any employee or applicant for a job responsible for handling your financial affairs (including processing, writing or receiving checks, handling Account statements or acting otherwise in a responsible manner regarding your financial affairs) has been asked specifically whether they have ever been convicted of a felony, that a thorough background check of such employee or applicant has been conducted, that a system of reasonable financial controls is in place, and that you have instituted a program that encourages your employees to report fraudulent or dishonest activities to you or company management. THE FOREGOING LIMITATIONS WILL APPLY EVEN IF THE ABOVE STATED REMEDY FAILS OF ITS ESSENTIAL PURPOSE. It's really easy to cash a check with Ingo Money. 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. Customer may not remove currency from the Smart Safe once is has been inserted. 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. If any funds are returned to you in a currency other than U.S. dollars, we will convert the returned foreign currency into U.S. dollars at its current exchange rate for such currency at the time of the return. You should know that Frost Bank employs various security and authentication technologies to ensure that you (an authorized customer) are communicating directly with Frost Bank. You authorize us to supply missing endorsements, and you warrant that all endorsements are genuine. ATM and Debit Card re-presented transactions and all other transactions for which authorization has already occurred are processed in order from the lowest dollar amount to the highest dollar amount. Cash your checks quickly and easily at any KeyBank branch or drive-thru. (ii) ATM Fees Charged by Others If you use an ATM that is not operated by us, you may also be charged a fee by the ATM operator and/or by any automated transfer network used, and you may be charged a fee for a balance inquiry even if you do not complete a funds transfer. We have no duty to discover, observe, or comply with stale checks. We provide this information only as a courtesy and convenience to you. Information Regarding Digital Deposits. Q. (7) Agents Yes, you can deposit checks at an ATM, and the process for depositing checks follows the same steps as the process for depositing cash. You have overdrawn your Account repeatedly in the last six (6) months. We may also refuse a deposit after initially accepting it. Or, deposit your checks at KeyBank ATMs or in the app with mobile check deposit. Also, if your Account statement shows transfers that you did not make, including those made by card, code or other means, tell us at once. A sole proprietorship may open a Single- Party Account and may contain a P.O.D. An Electronic Image may not be completely received even if successfully captured initially via scanner or mobile device until the Frost Bank internal Electronic Image verification process is complete, which can take from 24 48 hours. You understand, acknowledge and agree that the Bank is not responsible for any loss or damages resulting from any errors or failures of your personal computer, mobile device or data processing systems, including, but not limited to any personal computer or mobile device virus or malware attack (such as a keystroke logging program or similar malware), any attack by a person attempting or actually gaining unauthorized access to the data owned by you, or any Internet- related problems that may be associated with your access and use of our Digital Deposits. You view exceptions each morning and decide to pay or return the item. As permitted by applicable law, we may exercise our right of setoff for any liability or debt of any of you, whether the Account is owned jointly or individually; whether the liability or debt is direct or contingent and whether now or hereafter existing; and whether the liability or debt arises from Overdrafts, endorsements, guarantees, loans, attachments, garnishments, levies, attorneys fees, or other obligations. THESE DISPUTE RESOLUTION PROVISIONS OF THIS AGREEMENT PROVIDE FOR BINDING ARBITRATION OF ALL DISPUTES THAT CANNOT BE RESOLVED BY NEGOTIATION OR MEDIATION. Such equipment and Processing Software is required to enable you to generate Electronic Images of Original Checks that comply with applicable Standards, as defined below. (9) Multiple Signatures We are not required to monitor or enforce any multiple- signature requirement, even if your Signature Card specifies that multiple signatures are required or you have otherwise instructed us to do so. By entering into this Agreement, you understand and agree that Frost may use your unique mobile device ID, IP address for your laptop or desktop computer, your devices location services, and any security tokens or cookies that Frost may place on such mobile or other devices, in order to monitor transaction location and activity for fraud prevention purposes. We may amend the Frost Online Banking Agreement and Disclosure from time to time, as set forth therein, and such amendments may not occur at the same time we amend this Agreement. If you use this procedure with respect to a Personal Account, you may receive up to $2,500 of your refund (plus interest if your Account earns interest) within ten (10) Business Days after we receive your claim and the remainder of your refund (plus interest if your Account earns interest) not later than forty-five (45) calendar days after we receive your claim. Our acceptance of a stop payment order will not constitute a representation that the check has not already been paid or that we have a reasonable opportunity to act upon the order. For all checks and other items deposited into your Account, you warrant that all endorsements are genuine. We reserve the right not to send statements on Accounts we consider dormant. 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. If you make a deposit, we may provide a receipt. For cash reporting purposes, Frost Bank accepts passports and the Matricula Consular Card. (10) Stop Payments on ATM, POS, or Debit Card Transactions However, you have rights under other law with respect to those transactions as described elsewhere in this Agreement. You understand and agree that no later than the thirty-first (31st) day following the date of deposit of an Original Check to us, you will destroy the Original Check in a commercially reasonable manner that renders it unusable or otherwise unreadable (e.g., shredding). 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. If Digital Deposits are terminated by us, we may accelerate all amounts due and to become due, and you agree to promptly make full payment to us of all amounts due and amounts incurred by you through your use of our Digital Deposits. (13) Re-presented Checks Accordingly, you agree not to attempt to change any Original Check you write or receive into a Substitute Check unless we, in our discretion, have first entered into a separate written agreement with you to permit you to create Substitute Checks that we will honor when deposited into your Account. 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. Does your employer use positive pay so the issuing bank can know that the check was produced by your employer at the teller line? However, you are still liable for all uses of the Mark, regardless of whether you have provided a sample of the Mark to us. Standards means the applicable standards set forth in CTA, Check 21 or as promulgated by the American National Standards Institute (ANSI) for image quality and transmission protocols, including, but not limited to, ANS X9.13, ANS $25. (v) Financial Institutions Liability For Failure To Make Transfers If we do not complete a transfer to or from your Account on time or in the correct amount according to our Agreement with you, we will be liable for your losses or damages up to the amount of the transfer. (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 Bank Credit Card login: can check the location in Texas account customers and expand overdraft to be available to all Frost Plus & Frost personal account. All Substitute Checks deposited via Frost Digital Deposits (as further described in Section VII (Digital Deposits)) must be endorsed payable to the order of Mobile Deposit Only, Frost Bank, followed by your signature and Account number. Q. 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. 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 will usually need to go to the teller and present your card and ID. A. Debit Card Services (Including Health Savings Account Debit Cards). Double . Deposit at an ATM onto a pre-paid card account or checkless . Your stop payment order will not be effective if we have already certified, paid or otherwise become responsible for the check. The arbitrator(s) decision, rendered in a reasoned opinion, will be final and binding on the Parties. You further represent that you do not derive any of your income from entities that are engaged in in the production, manufacturing/refinement, distribution or sale of cannabis or cannabis-derived products that are classified as Schedule I drugs under the federal Controlled Substances Act, either directly or indirectly (including, but not limited to, rental property income). Funds from cash and electronic direct deposits will generally be available on the day we receive the deposit. We may set the rate of both existing and future fees and charges upon the overall costs of providing Account services, and they need not be based upon the direct cost of providing the particular service involved. Any attempt to do so is a violation of the rights of Frost and its Third-Party Licensors. We may require a separate form for each agent and for each Account for which you want to grant a Power of Attorney. We will not be liable for any actions of the convenience signer until we have received either notice of the Account owners death, or written notification of the revocation of the convenience signers authority, and have had a reasonable time to act on such notice. Dollars, you must advise us at the time of the transaction. (4) Holds on Other Funds (Other Accounts) If your bank charges a fee, expect to pay between $5 and $15. C. Consent to Autodialed and Prerecorded Phone Calls and Text Messages; Consent to Fraud Alert Text If your Account is a time deposit, you have agreed to keep the funds on deposit until maturity. If a third party is also involved in the dispute, and a Party invokes such dispute resolution provisions, then the dispute will be decided with respect to the third party according to the dispute resolution provisions set forth above as well. 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. You did not receive your scheduled Account statement. Also, you understand that in certain instances we may request from time to time the Original Check to respond to claims made by the drawer of the check. No award or relief will be granted by the arbitrator except on behalf of, or against, a named party. 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). D. Deposit Rules You may change your phone number by following the steps outlined at www.frostbank.com. No. For purposes of arbitration, you includes any person who is listed on your Account, and Bank includes Frost Bank, all its affiliates, and all third parties who are regarded as agents or representatives of ours. 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. A. We may, in our sole discretion, terminate your Digital Deposits effective immediately if: (1) there is an occurrence of a material change in your Account activity or other risk analysis criteria as determined by us in our sole and absolute discretion; (2) we at any time determine that you (or your Third Party) does not meet our risk or other qualification requirements; (3) we discover any willful misconduct (including, but not limited to, types of fraudulent activity) on your part or any other party with respect to Electronic Images submitted for deposit by you using our Digital Deposits; (4) you are in default of any terms of this Agreement where such default gives us the right to terminate, immediately or otherwise, or close your Account; (5) you have not used Digital Deposits for a period of time deemed to constitute an inactive service by us (in our sole discretion); or (6) you are in default of any terms of the Agreement or any other agreement with us. BECAUSE FROST DOES NOT OPERATE OR CONTROL THESE CONNECTIONS, FROST CANNOT GUARANTEE THE PRIVACY OR SECURITY OF THESE DATA TRANSMISSIONS. A. You understand that your third-party agreements may, however, contemplate fees, limitations, and restrictions which might affect your use of any of your Mobile Card(s) (such as data usage or text messaging charges imposed on you by your wireless carrier). Frost Bank may pay any sum in the Account to a Party, including a Partys Power of Attorney or agent, at any time. Personal Banker salaries at Frost Bank can range from $16 - $24 per hour. Fees. If you establish a joint Account without the signature of the other joint Account Holder(s), you agree to hold us harmless for our reliance upon your designation of the other joint Account Holder(s) listed on our documents. We have written procedures for providing and maintaining security for customer data and records. We may accept any Power of Attorney that we believe was executed by you and may act on instructions we receive under such form. I am over it and will be banking somewhere else. Electronic Funds Transfers Generally. This is called endorsing the check. In addition, you acknowledge that the Electronic Image of the Original Check submitted to us shall be deemed an item within the meaning of Article 4 of the UCC as adopted in the Texas Business and Commerce Code. (3) Delivery and Receipt of Notices, VII. CTA means the Check Clearing for the 21st Century Act, which became effective October 28, 2004. You agree to reimburse us (and we may charge your Account) for all claims, costs, losses and damages, including attorneys fees, that result from our payment of a withdrawal bearing either a facsimile that resembles or purports to bear your signature or Mark or a facsimile that we believe you authorized. (13) Preauthorized Payments, XI. D. Beneficial Owner means, as defined in the Title 31 of the Code of Federal Regulations, each individual who, directly or indirectly, holds an ownership interest of twenty five percent or more in a legal entity customer, and any individual who has significant responsibility to control, manage, or direct the legal entity customer. Fill out a deposit slip (if necessary) and sign the slip. 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. A Party can file a written appeal to the arbitration administrator or request a new arbitration within thirty (30) calendar days of issuance of the award. By entering into this Agreement, you agree that you are providing your express consent for Frost and any Frost third-party service provider to call you, text message you, or both at any phone number (including any mobile phone number) you provide to Frost or any Frost third-party service provider using auto-dialed phone calls, prerecorded phone calls, or both for any or all of the following reasons: (i) transactional purposes; (ii) informational purposes; (iii) to provide account alerts; (iv) to provide servicing information; (v) fraud prevention purposes; and (vi) any other purposes provided for in this Agreement or in any other applicable Frost agreements, including, but not limited to, Frosts Customer Privacy Statement. In no event shall we be liable to you for any losses arising from currency conversions requested by you and carried out by us within a reasonable time after receiving funds for conversion. What information is the Bank required to obtain from me for this type of cash transaction? Arbitration shall occur in the county seat of the Texas county of your permanent residence, or if your permanent residence is outside the State of Texas or the U.S., then in San Antonio, Texas. (1) Manner of Withdrawal 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. In addition, you may not stop payment on checks governed by separate agreement, such as a check guaranty agreement. Frost Brokerage Services, Inc. is a wholly owned subsidiary of Frost Bank. The filing of this report is in no way meant to imply or suggest that you are engaging in any illegal activity. All other capitalized terms used that are not otherwise defined in this Agreement or in the Documentation shall have the meaning given to such term in Article 3 or Article 4 of the UCC (as amended from time to time) effective in Texas as adopted in the Texas Business and Commerce Code.