E. Assignability 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. If you do not know the amount of the ACH transaction, we may still be able to place the stop payment order based on the company name of the payee (i.e. We will consider requests for early withdrawal and, if granted, the penalty provided in the Schedule will apply. 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. However, by noting the assignment, we do not have any responsibility to assure that the assignment is valid. We may deduct our fees from your Account(s) or from the amount of the Wire Transfer. (2) Minimum Balance Requirements The Schedule may specify a minimum balance that you are required to maintain in your Account. Each Joint Account Holders obligations under the Agreement are joint and several. B. World-class service. If your bank charges a fee, expect to pay between $5 and $15. We may also block certain transactions that we suspect are illegal, including, but not limited to, transactions in violation of the Unlawful Internet Gambling Enforcement Act. 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. (15) Check Legends We may disregard information on any check or item other than the signature of the drawer, the identification of the drawee financial institution and payee, the amount, the endorsements, and any other information that appears on the MICR line. If you encode information on or with respect to an item after issue, you warrant to us, any subsequent collecting bank, and to the payor bank that the information is correctly encoded. Electronic Image means a digital or electronic representation of an Original Check that is a Sufficient Copy and meets all of the Standards and is submitted by you to Bank for processing and collection as a Substitute Check. Either you or the Bank may request mediation upon written notice to the other Party. Any written notice we give to you regarding your Account statement is effective when it is deposited in the U.S. Mail, postage prepaid and addressed to you at your statement mailing address. The best banks in the U.S. typically offer simple bank accounts with a small minimum opening . The transaction will appear in the Other Withdrawals/Debits section of your monthly Account statement. Requirements: Photo ID. The ownership of the community property Account during your lifetime and after your death is determined solely by state law and may be affected by a will. Some or all of these original paper checks may be replaced with Substitute Checks. Compounding generally means that interest is being accrued on interest previously earned but not yet paid. You represent that you are the legal owner of the Account(s) and other financial information which may be accessed via the Digital Wallet Service. If the amount of the Smart Safe deposit as verified by the Smart Safe Vendor differs from the amount of the Smart Safe deposit reported to Bank, Bank will debit or credit customers Account as necessary to reflect the amount of the Smart Safe deposit as verified by the Smart Safe Vendor. After your Account is closed, we have no obligation to accept deposits or pay any outstanding checks, but we may reopen your Account if we receive a deposit, or we may apply an incoming deposit to satisfy any outstanding items or obligations owed to us. You understand and acknowledge that we are relying on the truth and veracity of all Electronic Images submitted for deposit via Digital Deposits by you to us, and you warrant that such Electronic Images accurately reflect Original Checks that are, or at the time of the creation of the Substitute Checks, were, in your possession. If the check you are endorsing doesn't have this, be sure to write 'For Mobile Deposit Only' or the version of this statement that your bank requires under your signature.". If we are not going to make all of the funds from your deposit available on the first Business Day after the day of your deposit, we will notify you at the time you make your deposit. (6) Our Right to Refuse Deposits 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. BOC conversion may occur at a retailer who posts notice that your check may be converted to an electronic debit via the retailers back-office processes, and the retailer or merchant may provide you with written notice of these conversion procedures and may, at the retailers discretion, destroy your check. Such Frost Bank authentication procedures include, but are not limited to, use of customer online banking User IDs, passwords and other additional authentication information that Frost Bank may require you to provide, in its sole discretion. If you use any Mark, you agree to deliver a sample to us upon our request. consumer/small business internet banking or treasury management internet banking). Disruptive conduct of any nature by a Frost Bank customer will not be tolerated on the Premises, and such conduct will result in ejection of the disruptive Frost Bank customer from such Premises. You have even more options for depositing checks, though. 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. The arbitrator(s) decision, rendered in a reasoned opinion, will be final and binding on the Parties. These provisions do NOT apply to: (i) debits which the Bank is authorized to make from your Account(s) for service charges and other fees; (ii) preauthorized automatic transfers you have instructed Bank to make to another of your Account(s); (iii) payment of any loan that you have with us; and (iv) to certain other types of consumer transactions which are excluded from Regulation E. (3) Your Liability for Unauthorized Transfers Tell us AT ONCE if you believe your Frost Bank Debit Card or similar card, or your Frost Bank User ID, PIN or other device or code which accesses your Account has been lost, stolen or otherwise learned or acquired by an unauthorized person, or if you believe that an electronic funds transfer has been made without your permission using information from your check or otherwise. 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. Regions Bank: 1% of check amount $5 minimum to $20 maximum for checks over $25. Any named trustee may withdraw funds from the Account. D. Deposit Rules The termination of this Agreement and closing of an Account will not release you from any fees or other obligations incurred prior to the date upon which this Agreement is terminated and the Account closed, any fees assessed by us in the process of closing an Account, or from your responsibility to maintain sufficient funds in your Accounts to cover any outstanding checks or other debit items. 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. 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. (i) ATM and Debit Card Fees For information regarding our fees applicable to the use of your card, see our current Schedule. (1) Individual Accounts An Individual (Single-Party) Account is an Account in the name of one (1) depositor only. You can get your check sent to your bank, prepaid card, or PayPal account. We will notify you if we delay your ability to withdraw funds for any of these reasons, and we will provide you with an estimate of when the funds will be available. Section 408 and the money is paid within seven (7) calendar days after the Account is opened; 3) when the Account is a Keogh Plan, if you forfeit at least the interest earned on the withdrawn funds; 4) if the time deposit is an IRA or Keogh Plan established pursuant to Title 26 U.S.C. (4) How to Notify Us The telephone number and relevant address for notification are as follows: The entry for the debit of the funds will appear under the Other Withdrawals/Debits section of your monthly statement. In our sole discretion, if Banks requirements are not met, we reserve the right to deny Vault Deposits to be delivered to the remote cash vault location or deny order servicing for delivery of coin and currency. Customers Smart Safe must be serviced (deposits removed for verification purposes) at least once each calendar week and transported to a Bank-approved vault location for verification. Information Regarding Digital Deposits. Is there any way that I can avoid having this form completed and the transaction reported to the IRS? Submit your check for review. P. Positive Pay Services If any person notifies us of a dispute, we do not have to decide if the dispute has merit before we take further action. If you do and the check is presented for payment before the actual date on the check, we may pay it or return it unpaid. Checks or items that are Remotely Created Checks (as defined in Regulation CC). We will also tell you when the funds will be available. Several check-cashing stores also offer third-party check . What information is required if I send someone else to conduct the transaction for me? We, our correspondent banks, and other banks involved in the Wire Transfer process may charge additional fees or convert currency, in some cases providing compensation to us.