Terms and Conditions
Please read this Agreement carefully. It is a binding contract between you and Dallas TrustBond (“Dallas TrustBond,” “we,” “us,” or “our”). By checking the box and selecting “I accept,” you agree to be bound by these Terms and Conditions and our Privacy Notice (together, the “Agreement”). If you do not agree, do not use the Service.
1. About Dallas TrustBond
Dallas TrustBond provides online banking services through this website (the “Service”). Our license or registration number is MTS-73643-076. Our registered office is located at 263 Arlington Way, Dallas, TX. You may contact us at support@dallastrustbond.com.
2. Definitions
- “Account” means any checking or savings account we open for you through the Service.
- “Request” means any deposit, withdrawal, transfer, or bill payment you ask us to make.
- “Business Day” means any day other than a Saturday, Sunday, or federal or state holiday.
- “Available Balance” means the funds in your Account that are not set aside for a pending Request or subject to a hold.
3. Eligibility
- You must be at least 18 years old and have the legal capacity to enter into this Agreement.
- You may open Accounts only for yourself. You must tell us if anyone else will have control of an Account.
- You must provide accurate, complete, and current information and keep it up to date. Providing false information is a breach of this Agreement.
4. Registration and Identity Verification
- To help the government fight the funding of terrorism and money laundering, federal law requires us to obtain, verify, and record information that identifies each person who opens an Account. We will ask for your name, date of birth, address, tax identification information, and a government-issued photo ID, and we may ask for a selfie and proof of address.
- We may ask for additional information or documents at any time, including information about the source of your funds.
- After you submit your registration, our team will review it. We may approve it, ask you to correct it, or decline it. Where the law prevents it, we are not required to explain our reasons.
- Until your registration is approved, limits apply, currently $500 per Request. We may change limits at any time and may suspend banking features until approval.
- Certain details, such as your name, date of birth, and identity documents, are locked after submission. To change them, contact us.
5. Your Accounts
Each Account has a unique 12-digit account number, and you are assigned a customer number. Anyone who has your account number can send money to your Account, but this does not allow them to withdraw money. Funds sent to an account number are credited to the Account with that number, so please verify account numbers carefully before sending money.
6. Deposits and Withdrawals
- Review and approval. Every deposit and withdrawal Request is reviewed and approved by us. Nothing is processed automatically.
- Deposits. Your balance does not change when you submit a deposit Request. We credit your Account after we confirm that the funds have reached us. We may decline a deposit and, where we can, we will show you the reason.
- Withdrawals. When you submit a withdrawal Request, the amount is set aside from your Available Balance immediately so it cannot be spent twice. If we approve the Request, we will send the funds to the payout details you provided. If we decline it, or you cancel it while it is still pending, the amount is returned to your Available Balance.
- You are responsible for the accuracy of the payment and payout details you provide. We are not liable for losses caused by incorrect details.
- Review times vary and we do not guarantee a time for approval. You may have up to five Requests pending at one time.
- We may delay, hold, or decline a Request to comply with the law, to protect you or us from fraud, or when we are unable to verify the source of funds.
7. Transfers and Bill Payments
- Transfers between Dallas TrustBond Accounts and bill payments are processed immediately when you confirm them, provided you have sufficient Available Balance and are within your limits.
- Once processed, a transfer or bill payment generally cannot be canceled or reversed. Review the account number, payee, and amount before you confirm.
- We may refuse or reverse a payment that we reasonably believe is mistaken, unlawful, or connected to fraud.
- All amounts are in U.S. dollars unless we state otherwise.
8. Fees
We will notify you of any fee before it applies, either in the Service or by direct notice. If we do not list a fee, none applies. Third parties, such as your own bank, may charge you for sending or receiving money.
9. Securing Your Account
- Choose a strong password that you do not use anywhere else. Never share your password with anyone, including anyone who claims to be from Dallas TrustBond. We will never ask for it.
- Sign out when you finish, especially on shared devices. For your protection, you are signed out automatically after 15 minutes of inactivity, and repeated incorrect password attempts will temporarily lock your Account.
- Notify us immediately if you believe someone else knows your password, if you see activity you did not authorize, or if your personal details change.
- You are responsible for activity carried out with your login credentials, except where it results from our own fault or negligence or where applicable law gives you greater protection.
10. Unauthorized Activity
If you believe a Request was made without your permission, contact us right away at support@dallastrustbond.com. The sooner you tell us, the sooner we can act to limit your loss. We will investigate promptly and, where required by law, correct any error.
11. Deposit Protection
Unless we expressly tell you otherwise in writing, funds held in your Account are not insured by the Federal Deposit Insurance Corporation (FDIC) or by any other government agency.
12. Privacy and Your Information
We collect, use, store, and share your information as described in our Privacy Notice. By accepting this Agreement, you confirm that you have read it. You agree that we may verify your information with third parties and may share it with regulators, law enforcement, and other authorities where the law requires or permits.
13. Electronic Communications and Signatures
You agree to receive notices, disclosures, and other communications from us electronically, including through the Service and by email, and that these satisfy any legal requirement that such communications be in writing. Your electronic acceptance of this Agreement has the same effect as a handwritten signature under the federal Electronic Signatures in Global and National Commerce Act (E-SIGN Act). You may request a paper copy of any notice by contacting us. You must keep your email address current.
14. Prohibited Use
You may not use the Service for any unlawful purpose, including money laundering, terrorist financing, fraud, or evasion of sanctions, or for the benefit of anyone else without telling us. You may not interfere with, probe, or attempt to gain unauthorized access to the Service or other users’ accounts. We may report suspicious activity to the authorities without notifying you.
15. Suspension and Closure of Accounts
We may freeze, restrict, or close an Account, or end your access to the Service, if we reasonably believe you have violated this Agreement or the law, if we cannot verify your identity, if the Account is used in a way that creates risk, or if we are required to do so by a governmental authority. Where permitted, we will tell you why. You may ask to close your Account at any time by contacting us, once any pending Requests are resolved. Upon closure, we will pay out any remaining lawful balance to you after deducting any amounts you owe us.
16. Service Availability and Errors
We work to keep the Service available but do not promise that it will be uninterrupted or error-free. We may suspend the Service for maintenance or security reasons. If we make an error on your Account, such as crediting or debiting an incorrect amount, we may correct it, and you agree to return any funds paid to you in error.
17. Limitation of Liability
We will use reasonable care in providing the Service. We are responsible for losses you suffer that are a foreseeable result of our breach of this Agreement or our negligence. To the fullest extent permitted by law, we are not liable for losses caused by events beyond our reasonable control, by incorrect details you provide, or by your failure to keep your login credentials secure, or for indirect, incidental, or consequential damages such as lost profits. Nothing in this Agreement limits liability that cannot be limited under applicable law, including liability for fraud.
18. Changes to This Agreement
We may update this Agreement from time to time, for example to reflect changes in law or in the Service. Each version has a version number. When we publish a new version, you will be asked to review and accept it before you continue to use the Service. If you do not accept it, you must stop using the Service and may close your Account.
19. Complaints
If you have a concern, contact us at support@dallastrustbond.com. We will acknowledge your complaint and aim to respond within 15 Business Days. If you remain dissatisfied, you may be entitled to submit a complaint to the appropriate state or federal regulator.
20. General Provisions
- Entire agreement. This Agreement, together with the Privacy Notice, is the entire agreement between you and us regarding the Service.
- Severability. If any part of this Agreement is found unenforceable, the remainder stays in effect.
- No waiver. If we do not enforce a right immediately, we may still enforce it later.
- Assignment. You may not transfer your rights under this Agreement. We may transfer ours to an affiliate or successor, provided your rights are not reduced.
- Governing law. This Agreement is governed by the laws of the State of Texas, without regard to its conflict-of-law rules, and the state and federal courts located in Dallas County, Texas, have jurisdiction, except where the law of your home jurisdiction gives you the right to bring a claim elsewhere.
- Record of acceptance. We record the version of this Agreement you accept, together with the date, time, and IP address from which you accepted, as evidence of your agreement.