User Agreement

This User Agreement (“Agreement”) governs the terms of use for customers (“User” or “Customer”) accessing and interacting with the digital services provided by Phoenix Transnational Bank. By using our digital services, including but not limited to online banking, mobile applications, and any other digital interfaces, you agree to comply with the terms and conditions set forth in this Agreement. Failure to adhere to these terms may result in restricted access, suspension, or termination of services.

Customer Obligations

As a user of Phoenix Transnational Bank’s digital services, you are responsible for ensuring that your account details, login credentials, and all personal information provided to the Bank are accurate, up-to-date, and complete. You agree to:

Use our digital services only for lawful purposes and in compliance with all applicable laws and regulations.
Provide true and accurate information during registration and maintain the accuracy of such information at all times.
Regularly update your contact information to ensure that you receive important notifications from Phoenix Transnational Bank.
Notify the Bank immediately if you suspect any unauthorized use of your account or a breach of security.

Account Security

Your account security is a shared responsibility between you and Phoenix Transnational Bank. We use advanced security measures to protect your account information, including encryption and two-factor authentication (2FA). However, you are responsible for safeguarding your login credentials, including your username, password, and any security codes provided by the Bank. To ensure the security of your account, you agree to:

Choose strong, unique passwords for your online and mobile banking accounts.
Keep your login credentials confidential and avoid sharing them with any third parties.
Log out of your account after each session, especially when using shared or public devices.
Enable two-factor authentication (2FA) for an added layer of security.
Immediately notify Phoenix Transnational Bank if you suspect any unauthorized access to your account.

Permitted Usage of Digital Banking Services

Phoenix Transnational Bank provides access to its digital banking services to facilitate transactions, manage accounts, and perform other banking-related activities. Permitted usage of these services includes, but is not limited to:

Viewing account balances and transaction history.
Making deposits, transfers, and payments, both domestically and internationally.
Managing loan applications, credit card statements, and related banking activities.
Communicating with the Bank’s customer service team through secure messaging channels.

The Bank reserves the right to update and enhance its digital services at any time. Users will be notified of any significant changes to the platform that may affect their use of the services.

Prohibited Activities

Users of Phoenix Transnational Bank’s digital services must comply with all applicable laws and regulations. The following activities are strictly prohibited:

Engaging in any activity that is fraudulent, illegal, or violates the terms of this Agreement.
Attempting to gain unauthorized access to another user’s account or the Bank’s systems.
Using any automated systems or software, such as bots or scripts, to access the Bank’s digital services.
Introducing viruses, malware, or any other harmful technology that could compromise the security of the Bank’s systems or other users’ accounts.
Misusing or altering the Bank’s services, interfaces, or APIs without prior authorization.

If Phoenix Transnational Bank determines that a User has engaged in any prohibited activity, the Bank reserves the right to immediately suspend or terminate access to the digital services, and may pursue legal action if necessary.

Account Suspension and Termination

Phoenix Transnational Bank reserves the right to suspend or terminate a User’s access to digital banking services in the following situations:

The User violates any terms of this Agreement or applicable laws and regulations.
The User engages in fraudulent or suspicious activities that could harm the Bank or other customers.
The User fails to maintain the accuracy of their personal information or account details.
Requests are made by legal or regulatory authorities in accordance with applicable laws.

In the event of account suspension or termination, the User will be notified via email or other contact information provided to the Bank. The User will have the opportunity to resolve any issues, and, in some cases, may be allowed to regain access to their account after the issue has been addressed.

Changes to This User Agreement

Phoenix Transnational Bank reserves the right to modify or update this User Agreement at any time. Any changes to the Agreement will be communicated to Users through email or on the Bank’s website. Continued use of digital banking services after such changes will constitute your acceptance of the revised terms.

Contact Information

If you have any questions about this User Agreement or require assistance with your account, please contact our support team at: Phoenix Transnational Bank 3003 N Central Ave #125, Phoenix, AZ 85012, United States Email: support@phoenixtbonline.com