Terms of Service

To access digital banking basics and account use summary features, you must maintain an active account in good standing. Account setup requires verification of identity and compliance with applicable banking regulations.

You are responsible for maintaining the confidentiality of your login credentials and for all activities that occur under your account. Unauthorized access should be reported immediately to prevent potential security breaches.

2.1 Available Services

Our platform provides access to various financial tools and services designed to help clients understand account features and manage their banking needs effectively. Services include account monitoring, transaction history, and digital access options.

2.2 Service Availability

While we strive to maintain continuous service availability, scheduled maintenance and unforeseen technical issues may temporarily limit access to certain features. We will provide advance notice of planned maintenance whenever possible.

Interest rates on deposit accounts and credit facilities are subject to change based on market conditions and regulatory requirements. Current rates are available through your account dashboard and are updated regularly.

3.1 Fee Schedule

• Monthly maintenance fees may apply to certain account types
• Transaction fees for services beyond included monthly limits
• Wire transfer and international transaction fees as disclosed
• Overdraft and insufficient funds fees when applicable

A complete fee schedule is available upon request and through your online account access. Fees are subject to change with 30 days advance written notice.

Clients utilizing credit facilities or financing options agree to the following obligations:

4.1 Payment Requirements

All payments must be made according to the agreed schedule. Late payments may result in additional fees and may be reported to credit bureaus. Automatic payment options are available to help ensure timely payments.

4.2 Information Accuracy

You must provide accurate and current information regarding your financial situation, employment status, and contact details. Material changes to your financial circumstances should be reported promptly.

4.3 Compliance Requirements

You agree to comply with all applicable laws and regulations related to your use of financial services, including anti-money laundering and tax reporting requirements.

Default occurs when payments are not made as agreed or when other material terms of service are violated. In the event of default:

• We may accelerate the full amount due under any credit agreement
• Additional collection costs and legal fees may be assessed
• Credit reporting agencies may be notified of delinquent status
• Account privileges may be suspended or terminated
• Collateral securing obligations may be subject to collection action

We will provide notice of default and opportunity to cure as required by applicable law before taking collection action.

Your privacy is important to us. Our collection, use, and protection of personal information is governed by our Privacy Policy, which is incorporated by reference into these Terms.

6.1 Information Sharing

We may share your information with affiliates, service providers, and third parties as permitted by law and as disclosed in our Privacy Policy. This includes sharing for credit reporting, fraud prevention, and regulatory compliance purposes.

6.2 Data Security

We employ industry-standard security measures to protect your personal and financial information. However, no system is completely secure, and you share responsibility for protecting your account information.

Our digital banking platform provides convenient access to account information and banking tools. By using these services, you agree to additional terms specific to electronic banking:

• Electronic communications are considered valid delivery methods
• You are responsible for maintaining compatible technology and internet access
• System availability may be affected by maintenance and technical issues
• Transaction limits and security protocols apply to online activities

8.1 Service Disclaimers

Financial services are provided "as is" without warranties of any kind. We do not guarantee uninterrupted service or error-free operation of digital platforms. Market conditions and regulatory changes may affect service availability and terms.

8.2 Limitation of Liability

Our liability for damages arising from the use of our services is limited to the extent permitted by law. We are not liable for indirect, consequential, or punitive damages except as required by applicable regulations.

8.3 Governing Law

These Terms are governed by federal banking regulations and the laws of the jurisdiction where your account is maintained. Any disputes will be resolved through binding arbitration as outlined in your account agreements.

We reserve the right to modify these Terms at any time to reflect changes in our services, legal requirements, or business practices. Material changes will be communicated through your preferred contact method with appropriate advance notice as required by law.

Continued use of our services after changes become effective constitutes acceptance of the modified Terms.

For questions about these Terms or our services, please contact us through your secure message center or at the customer service number provided with your account materials.

Written correspondence should be directed to the address specified in your account documentation. Electronic communications through our secure platform are the preferred method for most inquiries.