Terms of Service
Last updated: August 13, 2026
1. Acceptance of Terms
By accessing or using the NFCU digital banking platform ("Service"), you agree to be bound by these Terms of Service. If you do not agree, please do not use the Service. These terms apply to all visitors, users, and members of the platform.
2. Account Eligibility
To open an account, you must be at least 18 years of age, provide accurate personal information, have a valid email address, and agree to our identity verification process (KYC). We reserve the right to reject any application at our discretion.
3. Account Security
You are responsible for maintaining the confidentiality of your account credentials. You must notify us immediately of any unauthorized access. We are not liable for losses arising from unauthorized use due to your failure to maintain account security.
4. Permitted Use
The Service may only be used for lawful banking purposes. You agree not to use the platform to conduct fraudulent transactions, launder money, fund illegal activities, or engage in any behavior that violates applicable laws or regulations.
5. Transaction Rules
All transactions are subject to our daily and monthly limits as configured in your account. We reserve the right to hold, reverse, or decline any transaction suspected of fraud, regulatory violation, or terms violation. Fees may apply per our published schedule.
6. Investment Plans (iWealth)
Investment plans carry inherent risk. Returns displayed are for demonstration purposes only. In a real banking context, interest rates may change, and investments could lose value. Always consult a qualified financial advisor before investing.
7. Service Availability
We aim for 99.9% uptime but cannot guarantee uninterrupted access. Scheduled maintenance, security updates, or unforeseen circumstances may cause temporary outages. We will provide advance notice where possible.
8. Termination
We reserve the right to suspend or terminate your account for violations of these terms, suspicious activity, extended inactivity (90+ days), or regulatory requirements. You may close your account at any time with zero notice.
9. Governing Law
These terms are governed by the laws of the jurisdiction where NFCU is registered. Any disputes shall be resolved through binding arbitration or the appropriate courts of that jurisdiction.
10. Educational Disclaimer
This platform is created solely for educational and demonstration purposes. It does not constitute a real financial institution, regulated entity, or investment advisor. No actual financial products or services are provided.