Terms of Service & Deposit Agreement

Rules and disclosures governing consumer and commercial accounts with Secure Trust Bank.

1. General Account Terms

By opening and maintaining an account with Secure Trust Bank, you agree to comply with this Master Deposit Account Agreement, all applicable fee schedules, and all governing federal and state banking regulations.

2. Electronic Fund Transfers (Regulation E)

Electronic transfers initiated via our iBank portal, mobile apps, or wire rails are protected under Regulation E. You must report any suspected unauthorized transaction within 60 days of the statement issue date.

3. Funds Availability (Regulation CC)

Incoming electronic deposits and wire transfers are credited and made available on the same business day received. Standard statutory holds may apply to check deposits.

4. Disclosures & Interest Crediting

Interest-bearing accounts accrue interest daily using the daily balance method and post earned interest to account balances monthly on the closing day of the statement cycle.