Terms & Conditions
Complete terms and conditions governing the use of NationUnityBank services
1. Acceptance of Terms
By accessing and using NationUnityBank's online banking services, you acknowledge that you have read, understood, and agree to be bound by these Terms & Conditions. If you do not agree to these terms, please do not use our services.
These terms constitute a legally binding agreement between you and NationUnityBank. Your continued use of our services indicates your acceptance of any modifications to these terms.
2. Definitions
"Bank" or "NationUnityBank"
Refers to NationUnityBank Financial Institution and its affiliates, subsidiaries, and authorized agents.
"Services"
All banking services provided by NationUnityBank, including but not limited to online banking, mobile banking, account management, and financial products.
"User" or "Customer"
Any individual or entity that maintains an account with NationUnityBank or uses our services.
"Account"
Any deposit, loan, or service account maintained with NationUnityBank.
3. Account Usage
3.1 Authorized Use
You may only use your account for lawful purposes and in accordance with these terms. You are responsible for all transactions conducted through your account.
3.2 Access Requirements
- You must be at least 18 years of age to open an account
- Valid identification and verification documents are required
- You must provide accurate and current information
- Regular account activity monitoring is recommended
3.3 Prohibited Activities
The following activities are strictly prohibited:
- Unauthorized access to other accounts or systems
- Money laundering or financing illegal activities
- Fraudulent or deceptive practices
- Violation of applicable laws and regulations
4. User Responsibilities
4.1 Account Security
You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account.
Password Protection
Use strong, unique passwords and change them regularly. Never share your login credentials.
Account Monitoring
Regularly review account statements and report any unauthorized transactions immediately.
Device Security
Keep your devices secure and log out of banking sessions when finished.
5. Security & Privacy
NationUnityBank employs industry-standard security measures to protect your personal and financial information. However, you play a crucial role in maintaining account security.
Encryption
All data transmissions are protected using 256-bit SSL encryption.
Multi-Factor Authentication
Additional security layers protect your account from unauthorized access.
Fraud Monitoring
24/7 automated monitoring systems detect and prevent suspicious activities.
6. Fees & Charges
NationUnityBank may charge fees for certain services and transactions. All applicable fees are disclosed in our Fee Schedule, which is incorporated into these terms by reference.
Account Maintenance
Monthly maintenance fees may apply based on account type and balance requirements.
Transaction Fees
Certain transactions, including wire transfers and international transactions, may incur fees.
Overdraft Fees
Fees may apply when account balances become negative, subject to overdraft protection terms.
7. Liability Limitations
NationUnityBank's liability is limited to the extent permitted by applicable law. We are not liable for indirect, incidental, or consequential damages arising from your use of our services.
Important Notice
Our liability for any claim related to your account is limited to the actual amount of your loss, not to exceed the account balance.
8. Account Termination
Either party may terminate this agreement at any time with proper notice. NationUnityBank reserves the right to close accounts that violate these terms or applicable laws.
8.1 Customer-Initiated Termination
You may close your account at any time by visiting a branch or contacting customer service. Final account balances will be disbursed according to your instructions.
8.2 Bank-Initiated Termination
We may close accounts for violations of these terms, suspicious activity, or other legitimate business reasons with appropriate notice.
9. Modifications
NationUnityBank may modify these terms at any time. Material changes will be communicated through account statements, website notices, or direct communication.
Notice Period: We will provide at least 30 days' notice for material changes that may adversely affect your rights or increase your obligations.
10. Governing Law
These terms are governed by the laws of the state where your account was opened and applicable federal banking regulations. Any disputes will be resolved through binding arbitration.
11. Contact Information
For questions about these terms or your account, please contact us:
Phone Support
1-800-123-BANK (2265)
Available 24/7Email Support
support@nationunitybank.com
Response within 24 hoursBranch Locations
Find your nearest branch
Visit our locations pageLive Chat
Chat with our representatives
Monday-Friday, 8 AM - 8 PM