Terms and Conditions
Please read these terms carefully before accessing your digital banking services. Last updated: january 02, 2024
1. Introduction
These Terms and Conditions govern your use of the Peridot Trust Bank website, online banking portals, and related financial services. By accessing our secure platforms and utilizing our services, you agree to be bound by these terms. If you disagree with any part of the terms, you must discontinue your use of our online banking services immediately.
2. Account Security & Authorized Use
To access digital banking features, you must maintain an active, in-good-standing account. You bear sole responsibility for maintaining the confidentiality of your login credentials, including passwords, PINs, and multi-factor authentication tokens.
- You must promptly notify the bank of any unauthorized access, missing cards, or suspicious account activity.
- We will never contact you unsolicited to ask for your password or PIN.
- You agree to log out completely at the end of each secure session to protect your financial data.
3. Electronic Fund Transfers (EFT)
The use of our digital platforms to transfer funds, pay bills, or deposit checks is subject to regulatory processing timelines and your specific daily limits.
Important Notice on Processing Limits
Transactions initiated after our daily cut-off times (5:00 PM EST) or on non-business days will be processed on the next available business day. Insufficient funds at the time of processing may result in returned items and applicable overdraft fees as outlined in your specific Account Agreement.
4. Privacy and Data Sharing
Peridot Trust Bank collects, retains, and utilizes your personal and financial information in strict accordance with federal banking regulations and our Privacy Policy. We deploy industry-standard encryption protocols to protect your data in transit and at rest. We do not sell your personal financial data to third-party marketers.
5. Termination of Services
We reserve the right to suspend or terminate your online banking access at our discretion, without prior notice, if we suspect fraudulent activity, identify a violation of these Terms, or are required to do so by law enforcement or regulatory authorities.