Plain English version of the terms of service you agree to when you use Accrual Bank. The legal document is longer, because that is what legal documents do. The rules are the same.
That the products we offer are subject to approval, applicable law, and the specific account agreement you sign when you open an account. That this website is informational, not binding. That the stuff we say we will do, we will try very hard to do. That we reserve the right to change terms with thirty days notice.
Operating within applicable banking regulation across the jurisdictions we serve. Being truthful about fees, rates, and terms. Giving you a human to talk to when the situation calls for one. Shutting down accounts we cannot verify or that show patterns inconsistent with legitimate banking use.
Using our services for lawful purposes. Being truthful about your identity when you open an account. Telling us if something looks wrong on your statements. Not using our systems to harass other people, and not using our systems to launder money.
If something goes wrong, call our support line first. Most things get resolved in one call. If we cannot resolve it, the financial ombudsman of the jurisdiction you opened your account in is the next stop. We respect their decisions.