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These Terms of Service ("Terms") constitute a legally binding agreement between you and our financial institution regarding your use of our banking services, online tools, and financial products. By accessing our services, you acknowledge that you have read, understood, and agree to be bound by these Terms.
Our institution provides various account options including checking and savings accounts, each with specific terms and conditions. Account holders gain access to online banking tools and features designed to enhance their banking experience. All account services are subject to eligibility requirements and approval processes.
Checking and savings accounts are governed by specific terms regarding minimum balance requirements, transaction limits, and account maintenance. Account holders must maintain accurate contact information and promptly notify us of any changes to personal details.
Our online banking platform provides access to account management tools, transaction history, and various financial features. Users are responsible for maintaining the security of their login credentials and must immediately report any unauthorized access.
Credit products offered by our institution are subject to creditworthiness evaluation and approval. Interest rates are determined based on various factors including credit history, income verification, and current market conditions.
Interest rates on credit products are variable and may change based on market conditions and regulatory requirements. All applicable fees, including origination fees, processing charges, and late payment penalties, will be clearly disclosed prior to account opening or credit approval.
Borrowers are obligated to make timely payments according to the agreed-upon schedule. Payment amounts, due dates, and acceptable payment methods will be specified in individual credit agreements. Automatic payment options may be available for qualifying accounts.
Account holders and borrowers must provide accurate and complete information during the application process. Any material changes to financial circumstances, employment status, or contact information must be reported promptly to our institution.
Borrowers must provide all requested documentation to support their application and maintain compliance with ongoing requirements. This may include income verification, asset documentation, and periodic financial updates.
Account holders are responsible for monitoring their accounts regularly, reviewing statements, and reporting any discrepancies or unauthorized transactions within the timeframes specified in account agreements.
Default occurs when borrowers fail to meet their payment obligations or violate other terms of their credit agreements. In the event of default, our institution reserves the right to pursue various remedial actions as permitted by law.
Default conditions include but are not limited to: failure to make required payments, providing false information, bankruptcy filing, or violation of other material terms of the agreement. Specific default triggers will be outlined in individual credit agreements.
Upon default, our institution may initiate collection procedures including but not limited to: acceleration of the outstanding balance, reporting to credit bureaus, engaging collection agencies, or pursuing legal remedies. All collection activities will comply with applicable federal and state regulations.
Our institution is committed to protecting customer privacy and maintaining the confidentiality of personal and financial information. Our comprehensive Privacy Policy details how we collect, use, and protect customer data in accordance with applicable privacy laws and regulations.
We may share customer information with affiliated companies, service providers, and regulatory agencies as permitted by law and as outlined in our Privacy Policy. Customers have certain rights regarding their personal information and may opt out of certain information sharing practices.
By using our online banking services and tools, customers consent to receive electronic communications including statements, notices, and other important account information. Electronic communications have the same legal effect as written communications.
Our institution's liability is limited to the extent permitted by law. We are not liable for indirect, incidental, or consequential damages arising from the use of our services. Specific liability limitations are detailed in individual account and credit agreements.
Disputes arising from these Terms or related services may be subject to binding arbitration as specified in individual agreements. Customers retain certain rights to pursue claims in small claims court for qualifying disputes.
These Terms may be modified from time to time with appropriate notice to customers. Continued use of our services after notification of changes constitutes acceptance of the modified Terms. Material changes will be communicated through appropriate channels including online banking platforms and written notices.
These Terms are governed by federal banking regulations and the laws of the state where your account is maintained. Any legal proceedings will be conducted in the appropriate jurisdiction as specified in individual agreements.
For questions regarding these Terms of Service or any aspect of your banking relationship, please contact our customer service department through the channels provided in your account documentation or through our secure online banking platform.
Important Notice: This Terms of Service document provides a general overview of our policies and procedures. Specific terms and conditions for individual products and services may vary and will be provided in separate agreements. Please review all documentation carefully before opening accounts or applying for credit products.
Last Updated: December 2024