Terms of Service & Account Agreement
This agreement governs your banking relationship with Digital Chain Bank. Please review these terms carefully as they affect your legal rights and obligations.
Effective Date: January 1, 2025 Last Updated: January 1, 2025
Document Reference: TOS-2025-V1
Legal Compliance
Adherence to banking regulations
Account Standards
Banking best practices
Security Measures
Advanced protection systems
Critical Notices
Important disclosures
This Agreement is entered into between Digital Chain Bank ("Bank," "we," "us," "our") and you ("Customer," "you," "your"). This Agreement, along with other documents including our Privacy Policy, Electronic Banking Agreement, and Fee Schedule, governs your banking relationship with us.
1. Account Establishment & Maintenance
To establish and maintain an account with Digital Chain Bank:
- Meet eligibility requirements including age and identification verification
- Maintain required minimum balances for your account type
- Provide accurate documentation for customer verification
- Submit to periodic account reviews and updates
- Comply with all applicable banking regulations
2. Electronic Banking Services
Our digital banking platform provides:
- 24/7 account access subject to scheduled maintenance
- Multi-factor authentication security protocols
- Real-time transaction monitoring
- Daily transaction limits for security
- Encrypted data transmission
3. Security & Authentication
Account security measures include:
- Biometric authentication options
- Device registration requirements
- Automatic session timeouts
- Transaction verification procedures
- Fraud detection systems
4. Fees & Charges
Account fees are outlined in our Fee Schedule, which includes:
- Monthly maintenance fees
- Transaction fees
- International transfer charges
- Foreign exchange rates
- Special service fees
5. Liability & Dispute Resolution
Important provisions regarding:
- Unauthorized transaction reporting (within 60 days)
- Error resolution procedures
- Dispute handling processes
- Limitation of liability terms
6. Regulatory Compliance
We comply with:
- International banking standards
- Anti-money laundering regulations
- Financial security requirements
- Electronic funds transfer regulations
- Central bank guidelines
7. Account Termination
Conditions for account closure or termination:
- Customer-initiated closure procedures
- Bank's right to terminate accounts
- Final settlement processes
- Dormant account procedures
Contact Information
Legal & Compliance Department
Digital Chain Bank
Email: support@digitalchainbank.com
International Phone: +XX-XXX-XXX-XXXX
This Agreement is subject to change. Changes will be communicated through appropriate channels and posted on our website. Continued use of our services after changes constitutes acceptance of modified terms. This document is available in alternative formats upon request.