Account Agreements

At Capitalize Bank Holdings, Inc., we believe in transparency and clarity. Our account agreements are designed to protect both our customers and the bank, ensuring a secure and reliable banking experience. Below, you'll find important information regarding our account agreements to help you make informed decisions.

Types of Account Agreements

Capitalize Bank Holdings, Inc. offers a range of account agreements tailored to meet your specific needs:

  • Checking Account Agreements: Covering personal and business checking accounts, detailing transaction limits, fee structures, and overdraft policies.
  • Savings Account Agreements: Outlining interest rates, withdrawal limits, and balance requirements for various savings products like Regular Savings, Money Market Accounts, and Certificate of Deposit Accounts.
  • Business Account Agreements: Specific terms for business checking, savings, and loan accounts, including stipulations for business operations and financial activities.

Benefits of Agreeing to Our Terms of Service

By agreeing to Capitalize Bank Holdings, Inc.’s terms of service, you gain access to secure and reliable banking services:

  • Protection: Our agreements ensure compliance with regulatory standards and provide a framework for resolving disputes.
  • Transparency: Clear guidelines on fees, interest rates, and account usage help you manage your finances effectively.
  • Security: Terms outline security measures to protect your account from unauthorized access and fraud.
  • Access to Services: Agreement enables access to a full suite of banking services, including online banking, mobile app, and customer support.

Unique Features and Clauses

Capitalize Bank Holdings, Inc.’s account agreements include specific clauses designed to enhance your banking experience:

  • Arbitration Clause: Details the process for resolving disputes through arbitration, providing a potentially faster and more cost-effective alternative to litigation.
  • Changes to Terms: Outlines how Capitalize Bank Holdings, Inc. will notify customers of changes to the agreement, ensuring you stay informed.
  • Liability Limitations: Outlines the extent of the bank's liability in cases of fraud, unauthorized transactions, or errors.
  • Data Usage: Explains how your data is collected, used, and protected, in accordance with our Privacy Policy.

Ensuring Customer Understanding

Capitalize Bank Holdings, Inc. is committed to ensuring you fully understand our terms and conditions before agreeing:

  • Plain Language: Agreements are written in clear, straightforward language to minimize confusion.
  • Summaries: Key points are summarized at the beginning of each agreement for quick reference.
  • FAQs: A comprehensive FAQ section addresses common questions and concerns.
  • Customer Support: Our dedicated customer support team is available to answer your questions and provide clarification. Contact us via our Contact Form.

Have questions?

If you have any questions or need further clarification, please don't hesitate to reach out. We're here to help you understand and feel confident in your banking relationship with Capitalize Bank Holdings, Inc.

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