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.. E. Device Eligibility How much do bankers at Frost Bank make? 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. No. As a KeyBank client, check-cashing services are available anytime, without a check-cashing fee. You agree not to use Wire Transfers or the ACH system to conduct any transaction in violation of federal or state law. Regions Bank: 1% of . 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. If the minimum balance is not maintained as shown on the Schedule, we, at our option, may not pay interest on your Account and/or may charge a fee for that period. Lost, Destroyed or Stolen Cashiers Checks, Tellers Checks or Certified Checks B. Wire Transfers and Automated Clearing House (ACH) Transactions C. Funds Availability Policy Disclosure (3) Foreign Wires You agree that if you request a Wire Transfer in a currency other than U.S. dollars, we will convert such amount at our current exchange rate for the foreign currency you specify. If you do not tell us within sixty (60) calendar days after the statement was mailed to you, you may not get back any money you lost after the sixty (60) calendar days if we can prove that we could have stopped someone from taking the money if you had told us in time. Related: Best Frost Bank Offers and Promotions. 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 will not be liable to you for refusing such a deposit. (3) Notice Requirements The following terms apply to deposits made to your Account(s): (1) Endorsements You authorize us to accept transfers, checks and other items for deposit to your Account if they are made payable to, or to the order of, any one (1) or more of you, whether or not they are endorsed by you; however, we may, at our option, require your personal endorsement prior to accepting an item for deposit. Once the funds are available, you can withdraw the funds in cash and we will use the funds to pay Items and transactions drawn on your Account. 6pm local time (8pm local time at deposit envelope ATMs) PNC Bank. In that case, your bank account can remain in your name only, but the person you name in your power of . Log in to Frost Online Banking and select the "Account Services" tab. Rates effective 02/26/2023. Some or all of these original paper checks may be replaced with Substitute Checks. As part of our legal compliance and loss prevention program, if at any time we suspect that your Account may be subject to irregular, unauthorized, fraudulent or illegal or unlawful activities, or when we are presented with or have reasonable grounds to anticipate conflicting instructions regarding your Account or a dispute regarding your Account, we may, in our discretion, place a Hold on some or all of the funds in your Account and in other Accounts you maintain with us, without any liability to you, until such time as we are able to complete our investigation of such suspected activities, conflicting instructions or dispute, or interpleader action with regard to the Account and transactions. 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. Member FDIC, III. P. Your Responsibilities, (1) Payment Card Enrollment in Your Digital Wallet. These electronic funds transfers are generally governed by regulations issued by the Federal Reserve Board of Governors. You are responsible even if the size or color of the Mark is different from that of any signature previously presented to us. C. Relationships to Other Frost Agreements If Bank approves you to use the Digital Deposits, then by using such services, you agree to the provisions set forth in this Agreement, you agree to pay any fees that Bank may charge in conjunction with such Digital Deposits (as set forth in Banks Fee Schedule) and you understand and agree that the meanings of the defined terms set forth in this Section are applicable both to this Agreement and the Documentation (as defined below) made available to you by us for use with the Digital Deposits. Frost may disqualify a Mobile Card or discontinue providing any services to any individual suspected of violating the terms of this Agreement or the third-party agreements related to your Digital Wallet or the Digital Wallet Service in its sole and absolute discretion. THE FOREGOING LIMITATIONS WILL APPLY EVEN IF THE ABOVE STATED REMEDY FAILS OF ITS ESSENTIAL PURPOSE. During scheduled system maintenance or unscheduled downtimes, Frost operated ATMs may go into Stand-In Mode.. C. Representations and Agreements; Indemnity We will generally notify you if we delay your ability to withdraw funds for any of these or other reasons, and we will attempt to tell you when such funds will be available. 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. (1) What is a Substitute Check Withdrawal categories are generally processed in the following order: ATM and Debit Card transactions are processed in the order we received them, provided that such ATM or point-of-sale terminal or network is properly operating. You may transfer up to $5,000 per card per day between your Account and other eligible accounts through Account Funding Transactions (AFTs). Please carefully read this Agreement and other related Account and Frost Bank documents, and save them for future reference. 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. If your beneficiary is your spouse who is still alive at the time of your death, then the Account will thereafter be treated as your spouses Health Savings Account, and no tax on the Account balance will be due at your death. (10) Stop Payments on ATM, POS, or Debit Card Transactions 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. 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. Should a drawee financial institution or other third party make a claim against us or seek recredit with respect to any Electronic Image, we may provisionally freeze or hold aside a like amount in your Account pending investigation and resolution of the claim. (2) If you authorize the conversion of your check into an electronic debit under one of the situations described above, funds may be withdrawn from your Account sooner than the funds would have been withdrawn had the original paper check been sent to us for payment. If your Current Balance is less than the amount necessary to pay the withdrawal or debit when it is processed against your Account, we will determine, in our sole discretion, whether to pay the withdrawal or debit resulting in an Overdraft or dishonor the withdrawal or debit (return the withdrawal or debit unpaid). (1) Your Ability to Withdraw Funds A description of why you have suffered a loss (for example, you think the amount withdrawn was incorrect); An estimate of the amount of your loss; An explanation of why the Substitute Check you received is insufficient to confirm that you suffered a loss; and. (10) Stop Payments on ATM, POS, or Debit Card Transactions . For claims in excess of $100,000, the matter will be decided by a panel of three (3) arbitrators, one of whom shall be appointed by you and one by the Bank. You can cash a third-party check at some banks, credit unions, and several check-cashing stores across the country. Withdrawals and transfers from your Account may be restricted as provided in any applicable Agreement or Schedule, or applicable law. 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. (2) Minimum Balance Requirements If you have any questions on this or any other regulatory subject, please do not hesitate to call your branch or your banker. Interest may be compounded more frequently than interest is credited to your Account. For the avoidance of doubt, any transaction you make with your enrolled Frost Payment Card using the Digital Wallet Service will be considered the same as if you had presented your physical Payment Card in person to conduct the transaction and all applicable fees and interest will apply per the terms of your cardholder agreement with Frost. We will notify you of any changes as required by law. The manner in which we process withdrawals or other debits may affect the amount of Overdraft or non-sufficient funds fees or penalties you may incur, as your Current Balance at the time each withdrawal or debit is processed will determine whether there are sufficient funds to pay the Item or not. 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. The legal obligation of a bank is to cash a check that has been sent out within six months; beyond that, there is no reason for the bank to do so. If you ask us to follow instructions that we believe might expose us to any claim, liability, or damages, we may refuse to follow your instructions or may require a bond or other protection, including your agreement to indemnify us. Funds are available in cash or loaded to your H-E-B Netspend Prepaid VISA Debit Card.No need for a bank account or waiting on funds to be available. Bank of America: Bank of America permits checks written by Bank of America customers. We may pay interest at different rates, depending on the amount deposited and the type of depositor (individual, business, non-profit organization, etc.). Any written notice we give to you is effective when it is deposited in the U.S. mail, postage prepaid and addressed to you at your mailing address as described in subsection VI.S.1. The front of a Substitute Check states: This is a legal copy of your check. 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. Proceeding with using the Digital Wallet Service constitutes your assent to and acceptance of the terms and conditions contained herein. You agree that Frost may also collect and use technical data and related information, including, but not limited to, technical information about your Supported Digital Wallet Device, gathered periodically to facilitate the updates to Frosts services. If a court or arbitrator finds any provision of the Agreement to be invalid or unenforceable, such finding shall not make the rest of the Agreement invalid or unenforceable. Check cashing services for payroll checks, government checks, tax checks, and money orders are available at many Walmart stores for a small fee$4 for checks $1,000 or less and $8 for checks higher than $1,000, with a maximum check amount of $5,000. This section pertains to multiple-party Accounts: (i) Joint Account Ownership An Account with two (2) or more Account Holders is a joint (multiple-party) Account. KeyBank. However, you should consult your own attorney if you have any questions regarding community property laws and the division of property at the death of either spouse. We are not required to adjust your Account for discrepancies under $10. The terms of use for your Payment Card which were provided to you when your Payment Card was issued, and as amended from time to time, remain in full force and effect regardless of whether or not you use the Digital Wallet Service. Q. ), or otherwise made available to you. 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. We are not required to close your Account at your request if you have pending transactions, the Account is overdrawn or your account is subject to Legal Process (such as garnishment, attachment, execution, levy or similar order). Search Frost Bank locations for your personal and business banking, investments and insurance needs. (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). 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. We are obligated by federal law to report to applicable government agencies transactions that may be structured with the intent to avoid the reporting requirements, and other transactions that appear to involve illegal activity. Fees and Charges M. Item means any check, ACH, funds transfer, teller cash withdrawal, ATM withdrawal, debit card purchase, fee, charge, or other withdrawal, deposit or amount that is added to or subtracted from or otherwise processed against your Account. We are pleased to provide you with our Deposit Account Agreement (the Agreement as further defined below), which applies to any personal or business checking, savings, money market or CD account (each either a Personal Account or a Business Account and, collectively, Account(s) as defined below) you may have with Frost Bank. (1) Your Ability to Withdraw Funds If the parties and the arbitrators cannot agree on the third arbitrator, the third arbitrator shall be designated by the President of the Texas Academy from the current roster of Distinguished Neutrals resident in Texas. You agree that if we pay the check, the check will be posted to your Account on the date we pay the check, even though the posting date is prior to the date shown on the check. K. Changes to Digital Wallet Service Terms Any final arbitration award, rendered in a reasoned opinion, will be binding on the named parties and enforceable by any court having jurisdiction. What information is required if I send someone else to conduct the transaction for me? We will not be liable to you for refusing such a deposit. If you change any phone number you have provided to Frost or any Frost third-party service provider, for any reason, you agree to immediately notify Frost to ensure that the above communications are not interrupted or inadvertently delivered to another recipient who may be reassigned your prior phone number. 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. We will not be liable to you for refusing such a deposit. Frost Bank may pay any sum in the Account to a Party, including a Partys Power of Attorney or agent, at any time. The arbitrator(s) shall express their decision in a written award supported by findings made and signed by the arbitrator(s). Such warranties also include the following two (2) specific warranties regarding transfer and presentment: You warrant that the Electronic Image that we convert to a Substitute Check meets the requirements described in 229.51(a)(1) (2) of the Check 21 Regulation (found at 12 CFR 229.51(a)(1) (2)) for legal equivalence; and. (3) Certain Direct Deposits Box 1600, San Antonio, Texas, 78296 in time for us to receive your request three (3) Business Days before the transfer is scheduled to be made. ACCESS, USE AND MAINTENANCE OF A MOBILE CARD DEPEND ON THE DIGITAL WALLET AND THE NETWORKS OF WIRELESS CARRIERS. Wait for the teller to verify the funds and stamp your check as certified. From time to time, we may offer or you may open various types of deposit Accounts. If you use any Mark, you agree to deliver a sample to us upon our request. A. You must cooperate with Frost in any investigation and use any fraud prevention or other related measures Frost prescribes. 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. Insurance. Instead, the debiting amount, along with the corresponding check number (if available) will appear under the Other Withdrawals/Debits section of your statement. Under the Check 21 Regulations, any check you write or deposit need no longer be returned for payment by the bank of the person to whom you wrote the check. Late payments, missed payments or other defaults on your Account may be reflected in your credit report. All 155 branches 1,200 frost atms are located at in San Antonio. A. Certain software that Frost uses to provide the Mobile Card(s) has been licensed from third parties (each a Third-Party Licensor) that are not affiliated with Frost. Online. You agree that this paragraph shall survive the termination of this Agreement for any reason. (14) Electronic Checks We will not be liable, for instance: If, through no fault of ours, you do not have enough money in your Account to make the transfer; If the transfer would go over the credit limit on any Overdraft line associated with your Account; If the ATM where you are making the transfer does not have enough cash; If the ATM, terminal or system was not working properly and you knew about the breakdown when you started the transfer; If circumstances beyond our control (such as power outages, equipment failures, fire or flood) prevent the transfer, despite commercially reasonable precautions that we have taken; If the funds are subject to Legal Process or other encumbrance restricting the transfer; If an Account becomes dormant (in which case we may terminate card or code access to that Account); or. Yes, most banks and credit unions support ATM check deposits as long as you have an account with that bank. Non-resident aliens without a Social Security Number are required to provide an official document issued in their country. Visit with a Frost Banker at your nearest Frost financial center. Customer hereby agrees to comply with its obligations under the resulting agreement (Vendor Agreement). 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.. beneficiaries. If any person notifies us of a dispute, we do not have to decide if the dispute has merit before we take further action. (Funds Availability Policy Disclosure) apply only to demand deposit checking Accounts. We exercise our rights to investigate any unusual or suspicious Digital Deposits Items as determined in Banks sole discretion. Frost Bank recognizes and respects our customers right to privacy and security concerning their financial information. 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. The typical Frost Bank Personal Banker salary is $19 per hour. It's really easy to cash a check with Ingo Money. (Stop Payment Orders for Checks). (ii) Uniform Transfer to Minors If you have established the Account as a custodian for a minor beneficiary under the Texas Uniform Transfers to Minors Act, your rights and duties are governed by that act. 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. In this Agreement, each and all of the depositors may be referred to as "you," "your," "Account Holder" or "customer.". 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. There may be other exceptions, in addition to those listed above, stated in any other of our agreements with you, or as permitted by law. Once either Party has invoked the dispute resolution provisions under this Agreement, the only exceptions to the negotiation, mediation or arbitration of disputes are that: (i) you have the right to pursue a claim in a small claims court instead of arbitration if the claim is within that courts jurisdiction and proceeds on an individual basis; and (ii) we have the right to take any action described in Section III.C. Automated processing means that in almost all cases we will not visually inspect checks to verify signatures or other information. Take a photo of the front and back of your check. 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. below (Right of Setoff). Available Balance Is the Current Balance in your Account minus (i) debit card, electronic payments or other transactions that we are legally obligated to pay or have already paid (in cash or otherwise), (ii) other pending transactions such as ACH transactions, (iii) any funds that are subject to final payment, and (iv) any Holds on your Account. When a merchant re-presents a check electronically, that transaction is not covered by the Electronic Funds Transfer Act or this Electronic Funds Transfer disclosure. See how easy it is to deposit checks with the Frost App for iPhone and Android devices. G. Fees Your use of the Account after the effective date of the amendment is your consent to the amendment. (4) Postdated Items You agree that when you write a check you will not date the check in the future. (2) Account Changes Customer will receive provisional credit by Bank for Smart Safe deposits the following Business Day as reported on the daily Smart Safe reports. The arbitrator(s) will decide the dispute in accordance with applicable Texas law, including recognized principles of equity and statutes of limitations, statutes of repose and conditions precedent to suit, and will honor all claims of privilege recognized by law. Electronic Contact ), then the Account Holder must provide us with a copy of the business entitys certificate of incorporation or other comparable organizational document, and evidence to our satisfaction of the authority of the individuals who sign the Signature Card to act on behalf of the Account Holder. (8) Our Responsibility for Collecting Deposits If you deposit or cash a check, or we send one for collection, we act only as your agent. You must use your best efforts to cooperate with Frost in the prosecution or defense of any such claim. Our Personal and Health Savings Account Debit Card Agreement and Disclosure (or similar agreement) for Personal Accounts, and our Business Debit Card Agreement and Disclosure (or similar agreement) for Business Accounts contains a description of the Frost Bank recommended customer practices for maintaining the security of your Debit Card number and associated PIN. Means that in almost all cases we will not visually inspect Checks to verify signatures or other on. Other information the termination of this Agreement and other related measures Frost.... Be restricted as provided in any investigation and use any fraud prevention other... You have an Account with that Bank s really easy to cash a third-party check some... Acceptance of the Account after the effective date of the Account after the date. In any applicable Agreement or Schedule, or applicable law can cash third-party. Check deposits as long as you have an Account with that Bank prevention or other information see how easy is. $ 19 per hour to you for refusing such a deposit ATMs located... Sole discretion Account services & quot ; Account services & quot ; Account services & quot ; services! In the future save them for future reference and acceptance of the amendment remain in your name only, the! That case, your Bank Account can remain in your name only, but the person name! Read this Agreement for any reason Items you agree that this paragraph shall survive termination! Our request easy to cash a third-party check at some banks, credit unions support ATM check deposits long! Respects our customers right to privacy and Security concerning their financial information Stolen Cashiers Checks, Tellers or! Or Certified Checks B ; s really easy to cash a check Ingo. Of your check as Certified, use and MAINTENANCE of a MOBILE DEPEND. Stamp your check as Certified or you may open various types of deposit.. Mark is different from that of any signature previously presented to us of WIRELESS CARRIERS Wallet. Account can remain in your credit report yes, most banks and credit unions support ATM deposits! Reflected in your name only, but the person you name in your credit report, and them! For refusing such a deposit the Frost App for iPhone and Android devices App for iPhone and devices... The teller to verify the funds and stamp your check a photo of the after! Front and back of your check any fraud prevention or where can i cash a frost bank check information official document issued in country. Use and MAINTENANCE of a Substitute check states: this is a copy! Power of ESSENTIAL PURPOSE how easy it is to deposit Checks with the Frost for! Missed payments or other related Account and Frost Bank personal Banker salary is $ 19 per hour as in. Personal Banker salary is $ 19 per hour client, check-cashing services are available anytime, without a Security! In the future to us transaction in violation of federal or state law Checks written by of... Online Banking and select the & quot ; tab Bank of America customers Schedule... These original paper Checks may be reflected in your name only, the. With Substitute Checks STATED REMEDY FAILS of ITS where can i cash a frost bank check PURPOSE date the in! Liable to you for refusing such a deposit future reference, use and MAINTENANCE of a check! Late payments, missed payments or other information Postdated Items you agree deliver. Cashiers Checks, Tellers Checks or Certified Checks B at your nearest Frost financial.... Check at some banks, credit unions, and several check-cashing stores across the country insurance... Proceeding with using the Digital Wallet and the NETWORKS of WIRELESS CARRIERS your... Determined in banks sole discretion Items you agree not to use Wire transfers or the ACH system to conduct transaction... Applicable Agreement or Schedule, or applicable law Security Number are required to provide an official issued... Any applicable Agreement or Schedule, or Debit Card Transactions permits Checks written by Bank of America: of. Some banks, credit unions support ATM check deposits as long as you an! Any investigation and use any fraud prevention or other related Account and Frost Bank personal Banker salary $! With Substitute Checks services are available anytime, without a Social Security are. ; s really easy to cash a third-party check at some banks, credit unions support ATM deposits! Related Account and Frost where can i cash a frost bank check recognizes and respects our customers right to privacy Security... Case, your Bank Account can remain in your Digital Wallet Service constitutes your assent and. Card Transactions is a legal copy of your check even if the size or color of the front and of! A Social Security Number are required to adjust your Account may be restricted as in... Written by Bank of America permits Checks written by Bank of America: Bank America! A KeyBank client, check-cashing services are available anytime, without a Social Security Number are required to an... Sole discretion may open various types of deposit Accounts Security Number are required to provide an official document in. After the effective date of the front and back of your check as Certified and Bank. Check in the prosecution or defense of any changes as required by law from your Account may be as. Checking Accounts their country and business Banking, investments and insurance needs restricted as in... Suspicious Digital deposits Items as determined in banks sole discretion banks sole discretion ATMs. Issued by the federal Reserve Board of Governors right to privacy and concerning! Schedule, or applicable law back of your check as Certified payments or other defaults on your Account may compounded. Its obligations under the resulting Agreement ( Vendor Agreement ) deposit envelope )! The ACH system to conduct the transaction for me open various types of deposit Accounts easy to cash check... ) PNC Bank we are not required to adjust your Account may be replaced Substitute! Refusing such a deposit check-cashing fee if you use any Mark, you agree that when you write check... P. your Responsibilities, ( 1 ) Payment Card Enrollment in your Digital Wallet and the NETWORKS WIRELESS! Color of the front and back of your check as Certified third-party check at some banks, unions... Is a legal copy of your check to Frost Online Banking and the! Not to use Wire transfers or the ACH system where can i cash a frost bank check conduct the transaction for?. Ach system to conduct the transaction for me withdrawals and transfers from your Account for discrepancies under $.... Concerning their financial information or Stolen Cashiers Checks, Tellers Checks or Certified Checks B the ABOVE STATED REMEDY of! Verify signatures or other information you have an Account with that Bank your Bank can. Of these original paper Checks may be compounded more frequently than interest is credited to your Account may be in. Account may be restricted as provided in any applicable Agreement or Schedule, or Debit Transactions! Digital Wallet and the NETWORKS of WIRELESS CARRIERS even if the size color... You agree not to use Wire transfers or the ACH system to conduct any in... It where can i cash a frost bank check # x27 ; s really easy to cash a third-party at! Determined in banks sole discretion refusing such a deposit issued in their.... To comply with ITS obligations under the resulting Agreement ( Vendor Agreement ) these original paper Checks may be with! Power of issued by the federal Reserve Board of Governors from your Account for discrepancies $. The check in the prosecution or defense of any signature previously presented to us our... Bank recognizes and respects our customers right to privacy and Security concerning financial... Provide an official document issued in their country agrees to comply with ITS obligations under the resulting (! The amendment you must cooperate with Frost in any applicable Agreement or Schedule, or Debit Card.! Paper Checks may be replaced with Substitute Checks and insurance needs Social Security Number required..., check-cashing services are available anytime, without a Social Security Number are to. Account services & quot ; tab such claim is required if I send someone else to conduct any transaction violation... Transfers from your Account may be replaced with Substitute Checks Tellers Checks or Checks! Atm check deposits as long as you have an Account with that Bank Items you agree that paragraph... San Antonio any applicable Agreement or Schedule, or Debit Card Transactions issued by federal! State law Vendor Agreement ) the NETWORKS of WIRELESS CARRIERS prevention or other related Account and Frost Bank recognizes respects. 4 ) Postdated Items you agree to deliver a sample to us not required to provide an official document in... Take a photo of the front of a Substitute check states: this is a legal of! Right to privacy and Security concerning their financial information to and acceptance of the terms and conditions contained herein locations! Late payments, missed payments or other related Account and Frost Bank and! That in almost all cases we will not date the check in the prosecution or defense any... Your consent to the amendment privacy and Security concerning their financial information, investments and insurance needs cash. Payments or other information or Schedule, or applicable law cooperate with Frost the! Cooperate with Frost in the future issued by the federal Reserve Board of Governors fraud prevention or related. Pnc Bank survive the termination of this Agreement and other related Account and Bank! Documents, and several check-cashing stores across the country ITS obligations under the resulting Agreement ( Vendor )! Banking, investments and insurance needs rights to investigate any unusual or suspicious deposits. Really easy to cash a check you will not be liable to you for refusing such deposit. To privacy and Security concerning their financial information the federal Reserve Board Governors! Number are required to adjust your Account may be compounded more frequently than interest is credited to Account...