Terms & Condition

Terms & Condition

Terms and Conditions

Welcome to Citadel Zenith Bank. By accessing or using our banking services, you agree to comply with the following Terms and Conditions. These terms apply to all customers and users of our services, including online and mobile banking.


1. General Agreement

1.1. These Terms and Conditions form a binding agreement between you and Citadel Zenith Bank.
1.2. By opening an account, using our services, or accessing our digital platforms, you acknowledge and accept these terms.
1.3. Citadel Zenith Bank reserves the right to update or modify these terms at any time. Changes will be communicated through our website or other official channels.


2. Account Usage

2.1. Eligibility: You must be at least 18 years of age to open an account unless otherwise stated.
2.2. Accuracy of Information: You agree to provide accurate, complete, and current information when opening an account.
2.3. Account Security: You are responsible for maintaining the confidentiality of your account information, including passwords. Citadel Zenith Bank will not be liable for any unauthorized transactions resulting from your failure to secure your credentials.


3. Banking Services

3.1. Deposits and Withdrawals:

  • Deposits and withdrawals are subject to limits set by the bank.
  • Transactions may be subject to verification and processing times.

3.2. Fees and Charges:

  • The bank may charge fees for certain services, which will be communicated upfront.
  • Fee structures are subject to change with prior notice.

3.3. Interest and Investments:

  • Interest rates and investment returns are determined by the bank and are subject to market conditions.
  • Past performance does not guarantee future results.

4. Online and Mobile Banking

4.1. Access: Online and mobile banking services are provided for convenience and are subject to system availability.
4.2. Security: You are responsible for ensuring secure access to our digital platforms. Notify us immediately if you suspect unauthorized access.
4.3. Prohibited Activities: Using our digital platforms for illegal activities, fraud, or abuse is strictly prohibited.


5. Privacy and Data Protection

5.1. Personal Information: Your data is collected and processed in accordance with our Privacy Policy.
5.2. Data Sharing: We may share your information with third parties as required by law or for the purpose of providing our services.
5.3. Data Security: Citadel Zenith Bank employs industry-standard security measures to protect your information.


6. Limitation of Liability

6.1. Citadel Zenith Bank will not be liable for any indirect, incidental, or consequential damages arising from the use of our services.
6.2. We are not responsible for losses caused by circumstances beyond our control, such as technical failures, system outages, or force majeure events.


7. Termination of Services

7.1. The bank reserves the right to suspend or terminate your account for non-compliance with these terms, fraudulent activities, or any misuse of our services.
7.2. You may terminate your account at any time by providing written notice, subject to the settlement of any outstanding obligations.


8. Governing Law

These Terms and Conditions are governed by the laws of [Your Jurisdiction], and any disputes will be subject to the exclusive jurisdiction of the courts in [Your Jurisdiction].


9. Contact Information

For inquiries or assistance, please contact:
Email: support@citadelzenith.com


By using Citadel Zenith Bank’s services, you confirm that you have read, understood, and agreed to these Terms and Conditions.