Terms and Conditions

These Terms and Conditions (“Terms”) govern your access to and use of Liberty Citizens Bank’s products, services, website, and mobile applications. By using our services, you agree to be bound by these Terms.

1. Account Eligibility

To open and maintain an account with Liberty Citizens Bank, you must:

  • Be at least 18 years old (or have parental consent)

  • Provide valid government-issued identification

  • Agree to periodic verification and compliance checks (e.g., KYC/AML)

2. Account Use and Responsibilities

  • You agree to provide accurate and complete information at all times.

  • You are responsible for keeping your login credentials and account information confidential.

  • You must notify us immediately if you suspect unauthorized access or fraud.

3. Prohibited Activities

You agree not to use our services for:

  • Fraudulent, illegal, or deceptive purposes

  • Money laundering or financing of illegal activities

  • Sending or receiving funds on behalf of others without permission

We reserve the right to suspend or close any account involved in suspicious activity.

4. Fees and Charges

Our services may include fees for:

  • Monthly maintenance (where applicable)

  • Overdrafts

  • Wire transfers

  • Replacement cards

Full fee details are provided in your account agreement and may be updated with notice.

5. Electronic Communications

By using our digital services, you consent to receive:

  • Statements and notifications via email or app

  • Service-related communications and updates

  • Optional marketing communications (with opt-out options)

6. Intellectual Property

All content on our website, mobile app, and printed materials is the property of Liberty Citizens Bank and may not be copied, distributed, or used without permission.

7. Limitation of Liability

Liberty Citizens Bank is not liable for:

  • Indirect or consequential losses

  • Unauthorized transactions resulting from your negligence

  • Downtime or service interruptions beyond our control

8. Termination

We reserve the right to suspend or terminate your access to services if:

  • You breach these Terms

  • Your account is inactive for an extended period

  • Required by law or court order

You may also close your account at any time with written notice.

9. Changes to These Terms

We may update these Terms from time to time. Continued use of our services after updates constitutes your agreement to the new terms. Updates will be communicated via email and posted on our website.

10. Governing Law

These Terms are governed by the laws of the United States and the District of Columbia. Any disputes arising will be resolved under applicable federal or state jurisdiction.