Terms and Conditions

1. Introduction

Welcome to First Trust National Bank (“FTNB,” “we,” “us,” or “our”). By accessing or using our services, including our website, mobile applications, banking products, and other related services (collectively, the “Services”), you agree to be bound by these Terms and Conditions (“Terms”). Please read them carefully. These Terms govern your relationship with FTNB and outline your rights, responsibilities, and obligations.

2. Eligibility

To open and maintain an account or access our Services, you must be a lawful resident of the United States and at least 18 years old. By registering for any Services, you represent and warrant that all information you provide is true, complete, and accurate. You must notify FTNB immediately if any information changes.

3. Account Security

You are solely responsible for maintaining the confidentiality and security of your account credentials, including usernames, passwords, and personal identification numbers (PINs). You agree not to share your account information with anyone. FTNB will not be responsible for losses, damages, or unauthorized access to your account resulting from your failure to safeguard your credentials. You must notify us immediately if you suspect unauthorized use of your account.

4. Use of Services

All Services provided by FTNB must be used in compliance with applicable laws, regulations, and banking policies. You agree not to use the Services for any fraudulent, unlawful, or unauthorized purposes, including but not limited to money laundering, financing illegal activities, or unauthorized access to third-party accounts. FTNB reserves the right to suspend or terminate your access to the Services if misuse is detected.

5. Transactions

FTNB facilitates deposits, withdrawals, fund transfers, bill payments, and other banking transactions. While we strive to process transactions quickly and accurately, we are not responsible for delays caused by technical issues, network failures, third-party service providers, or other circumstances beyond our control. You are responsible for reviewing and verifying all transaction details before authorization. FTNB may, at its discretion, refuse or reverse any transaction that appears suspicious, unauthorized, or in violation of applicable law.

6. Fees, Charges, and Interest

Certain banking products and services may incur fees, charges, or interest, as outlined in the applicable fee schedule or account agreement. By using our Services, you agree to pay all fees and charges associated with your accounts and transactions. FTNB reserves the right to modify fees or interest rates at any time, subject to applicable notice requirements.

7. Privacy and Data Protection

FTNB collects, processes, and stores personal and financial information in accordance with applicable privacy laws and our Privacy Policy. By using our Services, you consent to the collection, storage, and use of your information for purposes such as providing Services, managing accounts, preventing fraud, complying with legal obligations, and improving customer experience. FTNB implements robust security measures to protect your data from unauthorized access, disclosure, or misuse.

8. Electronic Communications

By using FTNB Services, you agree to receive electronic communications, including account statements, transaction notifications, disclosures, and other information related to your accounts. Electronic communications are considered legally equivalent to paper documents. You may opt out of certain electronic notifications, but some communications may be required by law or regulatory requirements.

9. Limitation of Liability

To the fullest extent permitted by law, FTNB shall not be liable for any indirect, incidental, consequential, or special damages arising out of or in connection with your use of the Services. Our total liability to you for any claim arising from the use of our Services shall not exceed the amount of funds in your account at the time of the claim. Nothing in these Terms shall exclude liability for fraud, willful misconduct, or other obligations that cannot be limited under applicable law.

10. Intellectual Property

All content, software, trademarks, logos, and other materials on FTNB platforms are the property of FTNB or its licensors and are protected by U.S. and international intellectual property laws. You may not copy, reproduce, distribute, modify, or create derivative works from any materials provided by FTNB without prior written consent.

11. Amendments to Terms

FTNB may update or modify these Terms at any time to reflect changes in law, regulations, services, or operational policies. Updated Terms will be posted on our website and, where required, communicated to you via email or other notification methods. Continued use of the Services after updates constitutes acceptance of the revised Terms.

12. Governing Law and Jurisdiction

These Terms and Conditions are governed by and construed in accordance with the laws of the United States and the state in which FTNB is headquartered. Any disputes arising under or in connection with these Terms shall be subject to the exclusive jurisdiction of the courts of that state.

13. Termination

FTNB reserves the right to suspend or terminate your account or access to the Services at any time, with or without cause, including but not limited to suspected fraud, breach of Terms, or inactivity. Termination does not release you from any obligations, including unpaid fees or liabilities accrued prior to termination.

14. Miscellaneous

If any provision of these Terms is deemed invalid or unenforceable, the remaining provisions shall continue in full force and effect. Headings are for convenience only and do not affect interpretation. No waiver of any provision shall be deemed a waiver of any other or subsequent provision.