Terms & Conditions

1. Acceptance of Terms

By accessing or using IBC Bank services, you agree to be legally bound by these Terms & Conditions. If you do not agree, you must discontinue use of our services immediately.

2. Eligibility

Our services are available only to individuals and entities legally capable of entering binding agreements under applicable laws and regulations.

3. Banking Services

IBC Bank provides personal and business banking services subject to regulatory requirements. Specific products may have additional terms, disclosures, and conditions.

4. User Responsibilities

• Provide accurate and complete information
• Maintain confidentiality of account credentials
• Notify us immediately of unauthorized access
• Comply with all applicable financial laws and regulations

5. Fees & Charges

Certain services may incur fees. All applicable fees will be disclosed prior to use and may change in accordance with applicable laws.

6. Prohibited Activities

• Fraud, money laundering, or illegal activity
• Unauthorized system access
• Misuse of banking services
• Violation of sanctions or regulations

7. Limitation of Liability

IBC Bank shall not be liable for indirect, incidental, or consequential damages except as required by law.

8. Termination

We reserve the right to suspend or terminate access to services for violations of these Terms or applicable regulations.

9. Governing Law

These Terms & Conditions are governed by applicable banking and financial laws and regulations.

10. Updates to Terms

We may update these Terms periodically. Continued use of services constitutes acceptance of any changes.

11. Contact Information

For questions regarding these Terms & Conditions, contact us at:

Email: legal@citizencommercebnk.com
Phone: +1 (807) 790-2736