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Introduction These Terms and Conditions ("Terms") that govern the use of our banking services

1.By opening an account or using any services, you agree to abide by these Terms.

2. Account Opening

Eligibility: You must be at least 18 years old to open an account. Required Documents: You must provide valid identification (e.g., government-issued ID) and proof of address (e.g., utility bill) at the time of account opening.

3. Customer Responsibilities

Accuracy of Information: You agree to provide accurate and complete information. You must notify the Bank promptly of any changes to your personal information. Security: You are responsible for maintaining the confidentiality of your account credentials, including your password and PIN. Notify the Bank immediately if you suspect unauthorized access.

4. Bank’s Rights and Responsibilities

Account Approval: The Bank reserves the right to refuse account opening or to close an account at its discretion, including for suspicious or fraudulent activity. Data Protection: The Bank will take appropriate measures to protect your personal information and comply with applicable data protection laws.

5. Fees and Charges

Account Fees: Maintenance fees and transaction fees may apply. Refer to our Fee Schedule for specific charges. Notice of Changes: The Bank will notify you of any changes to fees at least 30 days in advance.

6. Transactions

Processing: Transactions may take several business days to process. Ensure sufficient funds are available before initiating transactions. Overdrafts: If your account is overdrawn, you may incur overdraft fees and interest charges.

7. Interest Rates and Payments

Interest Rates: Interest rates on savings accounts are variable and subject to change without notice. Current rates are available in the account brochure. Payments: Payments for loans or credit products are due as specified in your agreement.

8. Communication

Electronic Communication: You consent to receive electronic communications, including account statements, disclosures, and notices. It is your responsibility to keep your email address updated.

9. Modifications to Terms

The Bank reserves the right to modify these Terms at any time. You will be notified of significant changes at least 30 days before they take effect.

10. Limitation of Liability

The Bank is not liable for any indirect, incidental, or consequential damages arising from your use of our services, except as required by law.

11. Contact Information

For questions or assistance, please contact us.