Online banking services are available to eligible customers who satisfy the bank’s account-opening, identity-verification, and regulatory requirements.

• You must provide accurate, complete, and current information.
• You must promptly update information that changes.
• The bank may request identity or supporting documents where required by law or its approved procedures.
• You must use the services only for lawful purposes.

Customers are responsible for keeping their login credentials, passwords, authentication codes, and registered devices secure.

• Never share your password, one-time passcode, PIN, or security credentials with another person.
• Check recipient names, account details, and transaction amounts before authorizing a payment.
• Notify the bank promptly if you suspect unauthorized access or discover an unfamiliar transaction.
• The bank may apply reasonable security checks to help protect customers and prevent unauthorized activity.

Electronic transfers are subject to account conditions, transaction limits, recipient-bank requirements, payment-network rules, and applicable laws.

• Customers should review all payment information before confirming a transfer.
• Processing times may vary depending on the payment method, receiving institution, currency, weekends, holidays, and compliance checks.
• Some transactions may be delayed while the bank verifies information or investigates suspected fraud.
• Cancellation or reversal may not be possible once a payment has been processed. Contact the bank immediately if you make an error.
• International transfers may involve exchange rates, intermediary institutions, and additional disclosed charges.

Fees may apply to eligible services, including transfers, currency conversion, account maintenance, or other services described in the bank’s applicable fee schedule.

Where applicable, the bank should disclose the amount or method of calculation, the purpose of the fee, the currency, and when payment is due before the customer authorizes the relevant charge, subject to applicable law.

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The bank should use appropriate security measures to protect customer information and transactions. Customers also play an important role in keeping their accounts secure.

• Use strong, unique passwords and secure devices.
• Avoid logging in through links in unexpected messages.
• Never install unknown applications at the request of a person claiming to represent the bank.
• Report suspected fraud, phishing attempts, or unauthorized payments as soon as possible.

The bank will handle reports according to its procedures and applicable legal and regulatory requirements.

Customer information should be collected, used, stored, and disclosed only for legitimate banking, security, service, legal, or regulatory purposes and in accordance with applicable data-protection requirements.

• Information may be used to provide services and process transactions.
• Information may be shared with service providers or financial institutions where necessary and legally permitted.
• Customers may have rights to access, correct, or otherwise manage their personal information under applicable law.

Refer to the bank’s separate Privacy Policy for details about data retention, customer rights, and contact procedures.

Online banking may occasionally be unavailable because of maintenance, technical issues, telecommunications failures, third-party service interruptions, security incidents, or circumstances outside the bank’s reasonable control.

Where reasonably possible, planned maintenance should be communicated in advance. Customers should keep records of pending transactions and contact the bank if a transaction’s status is unclear.

Customers must provide accurate payment details, safeguard credentials, and comply with the conditions applicable to their accounts.

The bank’s responsibilities, and any limits on liability, are subject to the account agreement and applicable law. Nothing in these terms is intended to exclude or restrict a legal right or liability that cannot lawfully be excluded or restricted.

If a customer believes a transaction was unauthorized or incorrectly processed, the customer should notify the bank promptly and provide the available transaction details.

Access to online banking may be restricted or suspended where reasonably necessary for security, suspected fraud, legal compliance, maintenance, or other legitimate reasons.

Where required by law and reasonably possible, the bank should notify the customer of a restriction and explain any available review or complaint procedure. Account closure and outstanding obligations remain subject to the applicable account agreement and law.

Customers who have concerns about a transaction, fee, account restriction, or service should contact the bank through its verified customer-support channels.

Please provide the transaction reference, relevant dates, the amount involved, and a clear explanation of the issue. Do not include your password, PIN, or one-time security code in a complaint.

Complaints should be handled in accordance with the bank’s established complaints procedure and applicable regulatory requirements. Customers retain any rights to refer a dispute to a competent regulator or other authorized body.

These terms may be updated to reflect changes in services, technology, security requirements, fees, or applicable law. Material changes should be communicated through appropriate channels and take effect in accordance with applicable law and the relevant customer agreement.

Customers should review the published version periodically. Any effective date or revision history should be completed by the bank before publication.

These terms are subject to the laws and regulations applicable to the bank and the relevant customer relationship. The governing law, regulatory authority, and dispute forum should be specified in the bank’s approved legal documentation.

If any provision is found to be unenforceable, the remaining provisions will continue to apply to the extent permitted by law.