Terms of Service

1. Acceptance of Terms

By accessing and using the Heritage Community Bank website ("Site") and any banking services offered by Heritage Community Bank ("Bank," "we," "us," or "our"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree with any part of these Terms, you must not use our Site or services.

These Terms constitute a legally binding agreement between you and Heritage Community Bank regarding your use of our banking products, services, and digital platforms. Your continued use of our Site or services following any changes to these Terms indicates your acceptance of such modifications.

We reserve the right to modify, amend, or update these Terms at any time without prior notice. All changes are effective immediately upon posting to our Site. We encourage you to review these Terms periodically to stay informed of any updates.

2. Description of Service

Heritage Community Bank provides a comprehensive range of financial products and services to individuals, small businesses, and commercial clients. Our services include, but are not limited to:

• Personal checking and savings accounts
• Business checking and savings accounts
• Personal and business loans, including mortgages and lines of credit
• Commercial lending and treasury management services
• Online and mobile banking platforms
• Bill payment and funds transfer services
• Merchant services and payment processing
• Financial planning and advisory services

Our Site provides informational content about our products and services, account access for existing customers, and application portals for prospective clients. Specific terms and conditions may apply to individual products and services, which will be disclosed during the application or enrollment process.

3. Eligibility

Age Requirements

To open an account or use our banking services, you must be at least eighteen (18) years of age and have the legal capacity to enter into a binding contract. Minors may only hold accounts if a parent or legal guardian acts as a joint account holder or custodian.

Residency Requirements

Our banking services are primarily designed for residents of the United States. To open certain accounts or access specific services, you must:

• Be a citizen or permanent resident of the United States
• Provide a valid Social Security Number or Individual Taxpayer Identification Number
• Maintain a physical address within the United States
• Comply with all applicable federal and state banking regulations

4. User Responsibilities

As a user of our Site and banking services, you agree to fulfill the following responsibilities:

• Provide accurate, complete, and current information during account registration and any subsequent updates
• Maintain the confidentiality of your login credentials, including usernames, passwords, and security codes
• Notify us immediately if you suspect unauthorized access to your account or any security breach
• Use our Site and services only for lawful purposes and in compliance with all applicable laws and regulations
• Review your account statements and transaction history regularly
• Ensure that any devices used to access our digital banking platforms have adequate security protections

You accept responsibility for all activities that occur under your account, whether authorized or unauthorized, unless such activities result from our failure to maintain adequate security measures.

5. Limitation of Liability

To the maximum extent permitted by applicable law, Heritage Community Bank, its officers, directors, employees, agents, and affiliates shall not be liable for any indirect, incidental, special, consequential, punitive, or exemplary damages arising from your use of our Site or services.

Our total liability for any claim arising from or related to these Terms or your use of our Site or services shall not exceed the amount of fees paid by you to us, if any, during the twelve (12) months preceding the claim, or one hundred dollars ($100.00), whichever is greater.

6. Contact Information

If you have any questions, concerns, or requests regarding these Terms, please contact us: