1. Introduction

Welcome to City National Bank. These Terms of Service ("Terms") govern your use of our banking services and digital platforms. By accessing or using our services, you agree to be bound by these Terms.

2. Account Eligibility & Responsibilities

• You must be at least 18 years old to open a bank account.
• You are responsible for maintaining the confidentiality of your account credentials.
• You agree to provide accurate, up-to-date information at all times.

3. Banking Services

City National Bank offers a range of banking products and services, including:

• Checking & savings accounts
• Personal and business loans
• Debit, credit, and virtual cards
• Mobile and internet banking
• Foreign exchange and international transfers
• ATM and branch-based banking

4. Digital Banking & Mobile App

Use of our digital platforms requires access to the internet. You are responsible for ensuring your device is secure. City National Bank is not liable for issues arising from third-party apps, mobile networks, or unauthorized access.

5. Transactions & Authorizations

• You authorize us to process payments and withdrawals from your accounts.
• We reserve the right to decline or delay transactions for security or legal reasons.
• Transaction limits may apply depending on your account tier.

6. Security & Fraud Prevention

We use advanced encryption and authentication to protect your data. You must notify us immediately of suspicious activity. City National Bank will never request your PIN or password via email, phone, or SMS.

7. Fees & Charges

• Account maintenance fees may apply depending on account type.
• ATM withdrawals, transfers, and loan services may attract additional charges.
• Full fee schedules are available on our website and mobile app.

8. Loans & Credit

Loan applications are subject to eligibility, credit checks, and approval. Terms and interest rates will be disclosed at the time of offer. Defaulting may impact your credit score and lead to legal recovery action.

9. Termination of Service

We reserve the right to suspend or close your account for fraud, misuse, or violation of these Terms. You may terminate your account by providing written notice.

10. Limitation of Liability

City National Bank is not liable for indirect, incidental, or consequential damages arising from the use or inability to use our services, including loss of funds due to third-party errors.

11. Governing Law & Disputes

These Terms are governed by the laws of [Insert Country or State]. Disputes will be resolved through arbitration or competent legal courts as applicable.

12. Changes to These Terms

We may update these Terms periodically. Continued use of City National Bank services after changes means you accept the revised Terms.