Terms & Conditions

Effective Date: January 1, 2025

Welcome to Crest Vale Banking bank ("we," "our," or "the Bank"). These Terms & Conditions ("Terms") govern your use of our website, mobile applications, online services, and any banking products or services we provide. By accessing or using any of our services, you agree to be bound by these Terms, as well as our Privacy Policy, applicable disclosures, and product-specific agreements.

1. Agreement to Terms

By using our banking services or visiting our digital platforms, you represent that you have read, understood, and agree to these Terms. If you do not accept these Terms, you may not use our services. We reserve the right to update or modify these Terms at any time without prior notice. It is your responsibility to review them periodically.

2. Eligibility & Account Registration

You must be at least 18 years old and legally capable of entering into a binding agreement under applicable law to open and operate an account. Minors may only use our services under the supervision of a legal guardian and with account types designated for such use.

When registering for an account, you agree to provide accurate, current, and complete information. You are solely responsible for maintaining the confidentiality of your login credentials and for all activities under your account.

3. Use of Services

You agree to use our services only for lawful purposes and in accordance with all applicable federal, state, and local laws and regulations. You may not use our services for any unlawful or fraudulent purpose, including but not limited to:

• Engaging in money laundering or financing of terrorism
• Unauthorized access or tampering with other users’ accounts
• Interfering with or disrupting the functionality of our services
• Using our services to harass, threaten, or defraud individuals or organizations

4. Financial Transactions and Payments

By conducting financial transactions through our services, you authorize Crest Vale Banking bank to process payments, transfers, deposits, and withdrawals on your behalf. All transactions are subject to verification, approval, and compliance with applicable regulatory and security procedures.

You are responsible for ensuring sufficient funds are available in your account before initiating transactions. The Bank is not liable for delays, fees, or losses due to insufficient funds or user errors.

5. Fees and Charges

Some products and services are subject to fees, which will be disclosed during account setup and may be updated from time to time. You agree to pay all fees associated with your accounts and authorize us to deduct such fees directly from your account balance.

6. Account Termination and Suspension

We reserve the right to suspend, restrict, or terminate your access to any part of our services without notice if we suspect fraudulent activity, account misuse, violations of these Terms, or legal obligations requiring such action. You may terminate your account at any time by contacting customer support.

7. Intellectual Property

All content, logos, software, and intellectual property associated with Crest Vale Banking bank are the exclusive property of the Bank or its licensors. Unauthorized copying, modification, distribution, or use of our content or services is strictly prohibited without written permission.

8. Third-Party Services and Links

Our website and mobile applications may include links to third-party websites or services. These are provided for your convenience and do not constitute endorsement. Crest Vale Banking bank is not responsible for the accuracy, content, or security of third-party websites.

9. Disclaimers

All services and content are provided "as is" and "as available" without warranties of any kind, either express or implied. We do not guarantee uninterrupted access to our services or the accuracy of content or data available through our systems.

The Bank disclaims all warranties, including merchantability, fitness for a particular purpose, and non-infringement to the fullest extent allowed by law.

10. Limitation of Liability

To the maximum extent permitted by law, Crest Vale Banking bank shall not be liable for any direct, indirect, incidental, special, or consequential damages arising from your use of or inability to use our services, even if we have been advised of the possibility of such damages.

11. Indemnification

You agree to indemnify, defend, and hold harmless Crest Vale Banking bank, its affiliates, officers, employees, and agents from and against any claims, damages, liabilities, costs, and expenses arising from your use of the services or any violation of these Terms.

12. Privacy

Our collection and use of personal information are governed by our Privacy Policy. By using our services, you consent to the practices outlined therein.

13. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the United States and the State where your account is held, without regard to conflict of law principles. All legal proceedings shall be conducted in the appropriate state or federal courts located in that jurisdiction.

14. Dispute Resolution

Any disputes arising from your use of the services or these Terms will be resolved through binding arbitration in accordance with the rules of the American Arbitration Association (AAA), except where prohibited by law. Each party agrees to waive the right to a trial by jury.

15. Severability

If any provision of these Terms is found to be invalid or unenforceable under applicable law, the remaining provisions will remain in full force and effect.

16. Contact Information

For questions or concerns regarding these Terms & Conditions, please contact us:

By continuing to use our services, you confirm that you understand and accept the terms and conditions set forth above.