Oak Ridge Trust Bank Terms of Service

By accessing and using Oak Ridge Trust Bank’s services, you agree to the following terms and conditions:

Account Ownership

• Eligibility requirements for opening an account.
• Joint account ownership rules.
• Account closure procedures.

Account Access and Security

• Responsibilities for safeguarding account information.
• Online and mobile banking security measures.
• Liability for unauthorized transactions.

Deposits and Withdrawals

• Deposit acceptance policies.
• Withdrawal limits and procedures.
• Overdraft protection options and fees.

Fees and Charges

• Detailed list of fees for various services.
• Fee calculation and billing methods.

Electronic Communications

• Consent to receive electronic communications.
• Methods of electronic communication.

Dispute Resolution

• Procedures for resolving disputes.
• Arbitration or mediation options.

Limitation of Liability

• Disclaimer of warranties.
• Limitation of liability for damages.

Governing Law

• Jurisdiction for legal disputes.

Important Notices

• Links to other websites.
• Changes to terms and conditions.

Remember: This is a basic outline. Your Terms of Service should be comprehensive and legally sound. It is crucial to consult with an attorney to ensure compliance with all applicable laws and regulations.

Additional Considerations:

• Clarity and Conciseness: Use clear and simple language.
• Accessibility: Make the pages easy to navigate and understand.
• Updates: Regularly review and update the policies to reflect changes in laws, regulations, and your bank’s practices.