A few minutes well spent. These terms explain how EqualBank services work and what we each agree to.
Last updated: January 1, 2026
These terms and conditions (the "Terms") set out the rules for using EqualBank's services, website, mobile apps, and related products and services (together, the "Services"). By using our services, you agree to these Terms.
"Account" means any EqualBank account you open and maintain. "We," "us," and "our" refer to EqualBank. "You" and "your" refer to the account holder or holders. "Services" covers all banking products, digital platforms, and customer support.
You must be at least 18 years old and a legal resident of a jurisdiction where EqualBank operates to open an account. You agree to give us accurate, current, and complete information when you open your account, and to keep that information up to date.
You're responsible for keeping your account credentials, PINs, and security information confidential. You must tell us straight away if anyone accesses or uses your account without permission. You're responsible for every transaction made through your account.
The fees and charges that apply to our services are set out in our Pricing & Fees schedule. We may change our fees with 30 days' notice. If you keep using our services after a fee change, you accept the new fees.
By using our services, you agree to receive communications from us electronically. This includes account statements, notices, disclosures, and marketing materials. You can withdraw your consent to marketing at any time.
All content, trademarks, service marks, logos, and intellectual property on our platforms are owned by or licensed to EqualBank. You may not reproduce, distribute, or create derivative works without our express written permission.
To the fullest extent permitted by law, EqualBank is not liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of the services. Our total liability will not exceed the total fees you paid in the 12 months before the claim.
We may suspend or close your account at any time if you break these terms, if we suspect fraud, or if the law requires it. You can close your account at any time by contacting customer support.
These terms are governed by the laws of the State of New York and the applicable federal laws of the United States. Any disputes will be resolved in the courts of New York County, New York.
If you have questions about these terms, contact us at [email protected] or call .