Terms & Conditions

1. Acceptance of Terms

By creating an account, logging in, or using any MyBank service (including transfers, Zelle, ACH linking, investments, or crypto price tracking), you confirm that you have read, understood, and agree to these Terms and Conditions and our Privacy Policy. If you do not agree, you must immediately discontinue use of our services.

2. Eligibility

You must be at least 18 years of age, a legal resident of a supported jurisdiction, and capable of forming a binding contract. By using MyBank, you represent and warrant that you meet these requirements.

3. Account Registration and Security

You are responsible for maintaining the confidentiality of your password and account information. MyBank employs bank-grade encryption, multi-factor authentication where available, and continuous monitoring to protect your account. You agree to notify us immediately of any unauthorized access or security breach.

4. Services Provided

MyBank offers digital checking and savings accounts, internal/external transfers, Zelle instant payments, verified ACH account linking, investment overviews, and real-time cryptocurrency price tracking. All services are subject to availability and may be modified or discontinued with notice.

5. Fees and Charges

Fees for certain services (such as wire transfers, overdrafts, or premium features) will be clearly disclosed before you complete any transaction. By proceeding with a fee-based service, you agree to pay the applicable charges.

6. Transactions and Transfers

All transactions are final once processed. MyBank is not responsible for losses resulting from incorrect recipient details provided by you. External ACH transfers typically complete within 1–3 business days.

7. User Conduct

You agree not to use MyBank for any unlawful, fraudulent, or harmful purpose. Violations may result in immediate suspension or permanent termination of your account without prior notice.

8. Privacy Policy

MyBank is committed to protecting your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your data when you use our services.

8.1 Information We Collect

• Personal Information: Full name, email address, phone number, date of birth, government-issued ID, and address.
• Financial Information: Bank account numbers, routing numbers, transaction history, balances, and payment details.
• Device & Usage Data: IP address, device type, browser information, location data (with consent), and usage patterns.
• Verification Data: Government ID scans, selfie verification, and biometric data where applicable.

8.2 How We Use Your Information

• To provide, maintain, and improve our banking services
• To process transactions and send confirmations
• To verify your identity and prevent fraud
• To comply with legal and regulatory obligations (KYC/AML)
• To communicate with you regarding your account and security alerts
• To personalize your experience and offer relevant financial insights

8.3 Information Sharing

We do not sell your personal data. We may share information only in the following cases:

• With trusted service providers who assist in operating our platform (under strict confidentiality agreements)
• With regulatory authorities when required by law
• In the event of a merger, acquisition, or sale of assets
• With your explicit consent

8.4 Data Security

We implement industry-leading security measures including AES-256 encryption, secure servers, firewalls, regular security audits, and employee training. However, no system is completely impenetrable, and we cannot guarantee absolute security.

8.5 Your Rights

You have the right to:

• Access, update, or delete your personal information
• Opt out of certain data processing activities
• Withdraw consent where applicable
• Request data portability

To exercise these rights, please contact us through the Support page or mybank@gmail.com.

8.6 Cookies and Tracking

We use essential cookies to keep you logged in and provide core functionality. You can manage cookie preferences through your browser settings. Third-party analytics tools may be used to improve our services (anonymized data only).

8.7 Data Retention

We retain your information only as long as necessary to provide our services, comply with legal obligations, resolve disputes, and enforce our agreements. Financial records are typically retained for 7 years as required by law.

9. Limitation of Liability

To the maximum extent permitted by law, MyBank shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of our services. Our total liability shall not exceed the fees paid by you to MyBank in the twelve (12) months preceding the claim.

10. Termination

MyBank reserves the right to suspend or terminate your account at any time, with or without notice, for violation of these terms, suspected fraudulent activity, or regulatory requirements.

11. Governing Law

These Terms and Conditions shall be governed by the laws of the United States. Any disputes shall be resolved exclusively in the competent courts of your jurisdiction.

12. Changes to Terms

We may update these Terms and Conditions (including the Privacy Policy) from time to time. We will notify you of material changes via email or in-app notification. Continued use of MyBank after such changes constitutes your acceptance of the updated terms.

13. Contact Us

If you have any questions about these Terms & Conditions or our Privacy Policy, please contact our support team: