Open an Online Banking Account

1. General Account Terms

By opening and maintaining an account with SecureTrust Bank, you agree to comply with this Master Deposit Account Agreement, all applicable fee schedules, and all governing federal and state banking regulations. You represent that all details provided during onboarding are lawful, truthful, and verifiable.

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 or credential compromise 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 or foreign remittances pending verification.

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. Rates are subject to adjustment in accordance with Federal Reserve policy.

5. Dispute Resolution & Arbitration

Any controversy or claim arising out of or relating to this agreement shall be settled through binding arbitration in accordance with standard financial regulatory guidelines.

1. Consent to Electronic Records & Delivery

By submitting your digital account application, you consent to receive all notices, disclosures, periodic account statements, tax documents, and transactional communications electronically through the iBank portal, mobile applications, and your verified email address.

2. Scope of Covered Documents

Covered electronic communications include:

• Deposit Account Agreements, Fee Schedules, and Rate Disclosures (Reg DD).
• Periodic account statements, debit card disclosures, and transfer receipts.
• Notices of fee updates, policy modifications, and terms of service changes.
• Electronic fund transfer error resolution notices (Reg E).
• Annual Consumer Privacy Notices under the Gramm-Leach-Bliley Act (GLBA).

3. Hardware & Software Requirements

To access and retain electronic records, you must maintain a computer or mobile device with internet access, an operating system supporting 256-bit encryption (TLS 1.3), an active email inbox, and software capable of reading PDF files.

4. Requesting Paper Copies & Withdrawing Consent

You may request a physical paper copy of any disclosure or withdraw electronic consent by contacting support@securtbk.com. As a digital-first institution, withdrawing consent may necessitate account limitation or closure.

5. Binding Legal Enforceability

Checking the acknowledgement box or submitting application forms electronically constitutes a legally binding signature with the same force and effect as a wet-ink signature under 15 U.S.C. § 7001 (E-SIGN Act).

1. Information We Collect

The categories of customer data we collect include:

• Personal identifiers: Full legal name, date of birth, SSN/TIN, passport or government ID numbers.
• Financial credentials: Wire history, balances, linked cards, and transaction records.
• Device metadata: IP addresses, browser user-agents, device fingerprints, and authentication logs.

2. How Information Is Shared

We share information strictly to execute everyday banking operations (clearing ACH/wire transfers, processing card transactions, regulatory AML/OFAC reporting, and credit bureau updates).

3. No Sale of Personal Information

SecureTrust Bank never sells, rents, or commercializes your personal or financial records to third-party marketers or data brokers.

4. Information Security Safeguards

We maintain physical, technical, and procedural safeguards in compliance with federal standards, including cryptographic encryption, segmented databases, and multi-factor authentication.