Esteem Terms & Conditions

These Terms and Conditions (“Terms”) govern your access to and use of the products, services, website, mobile application, internet banking platform, Automated Teller Machines (ATMs), Point of Sale (POS) terminals, Agency Banking services, and all other digital and physical banking channels provided by Esteem Bank (“the Bank”, “we”, “our”, or “us”).

By opening an account, registering for any banking product or service, accessing our website or digital platforms, or otherwise using our services, you acknowledge that you have read, understood, and agreed to be bound by these Terms and Conditions. If you do not agree with any part of these Terms, you should discontinue the use of our services.

To access and use the services of Esteem Bank, you must satisfy all applicable legal, regulatory, and operational requirements prescribed by the Bank and relevant authorities. Customers are required to provide complete, accurate, and up-to-date information during account opening and throughout the duration of their banking relationship with the Bank.

The Bank reserves the right to request additional documentation or information at any time to comply with regulatory obligations, perform customer due diligence, or verify the accuracy of information provided.

Customers agree that all information provided during the account opening process is true, complete, and accurate. Any attempt to provide false, misleading, or fraudulent information may result in the rejection of the application, suspension of banking services, closure of the account, or reporting to the appropriate regulatory or law enforcement authorities.

The Bank reserves the right to decline any application or refuse to establish a banking relationship where regulatory requirements, internal risk assessments, or applicable laws so require.

Customers are responsible for maintaining the confidentiality and security of their account information, passwords, Personal Identification Numbers (PINs), One-Time Passwords (OTPs), authentication devices, security tokens, and any other access credentials issued by the Bank.

Customers shall promptly notify the Bank upon becoming aware of any unauthorized access, suspected fraud, loss of security credentials, or suspicious account activity. The Bank shall not be responsible for any loss resulting from a customer's failure to adequately safeguard their security credentials or comply with the security requirements communicated by the Bank.

Esteem Bank provides a range of digital banking services designed to enable customers to conveniently access banking services through electronic channels. These services include internet banking, mobile banking, electronic payments, card services, Agency Banking, Automated Teller Machines (ATMs), Point of Sale (POS) terminals, and other digital platforms introduced by the Bank from time to time.

The availability of digital banking services may occasionally be affected by scheduled maintenance, software upgrades, system enhancements, telecommunications interruptions, or circumstances beyond the Bank's reasonable control. While every effort will be made to ensure continuous availability, the Bank does not guarantee uninterrupted access to any electronic banking service.

The Bank shall process payment instructions received through authorized banking channels in accordance with the instructions provided by the customer. Customers are responsible for ensuring that all payment instructions, beneficiary details, account numbers, and transaction information submitted to the Bank are complete and accurate.

The Bank shall not be liable for delays, failed transactions, or losses arising from incorrect information supplied by the customer, network failures, regulatory restrictions, third-party service interruptions, or events beyond the Bank's reasonable control.

Customers agree to pay all applicable fees, commissions, service charges, taxes, duties, and other costs associated with the use of the Bank's products and services. The applicable fees shall be determined by the Bank in accordance with prevailing regulations and may be amended from time to time.

The Bank reserves the right to debit customer accounts with any applicable charges relating to transactions, account maintenance, electronic banking services, card services, loans, foreign exchange transactions, and any other services provided by the Bank.

The Bank employs industry-standard security measures designed to protect customer accounts and financial information. However, customers are expected to exercise due care by safeguarding their personal credentials and ensuring that access to their accounts is restricted to authorized persons.

Customers should never disclose their passwords, PINs, OTPs, security tokens, or other authentication information to any individual, including persons claiming to represent the Bank. Esteem Bank will never request confidential security credentials through email, telephone calls, text messages, or social media.

All trademarks, logos, trade names, software applications, website content, graphics, designs, text, images, databases, and other materials made available through the Bank's services remain the exclusive property of Esteem Bank or its licensors and are protected by applicable intellectual property laws.

No part of the Bank's content may be copied, reproduced, distributed, modified, transmitted, displayed, published, or otherwise used without the prior written consent of the Bank.

All trademarks, logos, trade names, software applications, website content, graphics, designs, text, images, databases, and other materials made available through the Bank's services remain the exclusive property of Esteem Bank or its licensors and are protected by applicable intellectual property laws.

No part of the Bank's content may be copied, reproduced, distributed, modified, transmitted, displayed, published, or otherwise used without the prior written consent of the Bank.

Customers agree to comply with all applicable laws, regulations, directives, and regulatory requirements governing banking activities, including anti-money laundering, counter-terrorism financing, sanctions compliance, tax obligations, foreign exchange regulations, and Know Your Customer (KYC) requirements.

The Bank reserves the right to monitor transactions, request additional information, delay or decline transactions, or report suspicious activities where required by law.

The Bank reserves the right to suspend, restrict, or terminate any account or banking service where it reasonably believes that the account has been used for fraudulent, unlawful, or unauthorized purposes, where regulatory requirements necessitate such action, or where the customer breaches these Terms and Conditions.

Termination of banking services shall not affect any rights, obligations, or liabilities accrued before the date of termination.

Esteem Bank reserves the right to amend these Terms and Conditions at any time to reflect changes in applicable laws, regulations, banking practices, technology, or business operations. Updated Terms shall be published through the Bank's official communication channels, including its website and mobile application.

Continued use of the Bank's services following such publication shall constitute acceptance of the revised Terms.

These Terms and Conditions shall be governed by and construed in accordance with the laws of the jurisdiction in which Esteem Bank is licensed to operate. Any dispute arising from the use of the Bank's products or services shall first be addressed through the Bank's internal complaints resolution process before being referred to the appropriate regulatory authority or a court of competent jurisdiction, where applicable.