Terms of Service | Lead Community Credit Union

Agreement to Terms

By accessing or using Lead Community Credit Union's services, website, or mobile applications, you agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use our services.

Eligibility

To open an account with Lead Community Credit Union, you must:

Be at least 18 years of age
Be a U.S. citizen or legal resident
Meet membership eligibility requirements
Provide accurate and complete information
Agree to these Terms of Service

Account Responsibilities

As an account holder, you agree to:

Maintain accurate account information
Monitor your account for unauthorized activity
Report lost or stolen cards immediately
Maintain sufficient funds to cover transactions
Comply with all applicable laws and regulations
Use online banking services securely

Fees and Charges

Our fee schedule is available upon request and at any branch location. Common fees include:

Monthly service fees (waivable with minimum balance)
Overdraft fees
ATM fees (out-of-network)
Wire transfer fees
Stop payment fees

We will provide 30 days' notice before implementing any fee changes.

Online Banking Terms

When using our online or mobile banking services:

You are responsible for maintaining the confidentiality of your login credentials
You agree to notify us immediately of any unauthorized access
We employ industry-standard security measures
Service availability may be affected by maintenance or technical issues
You must be 18 or older to use online banking

Loan Terms

All loans are subject to:

Credit approval and underwriting standards
Verification of income and employment
Appraisal requirements (for secured loans)
Compliance with federal and state lending laws
Specific terms outlined in your loan agreement

Interest rates, terms, and conditions are subject to change without notice for new applications.

Privacy and Data Protection

Your privacy is important to us. Our collection and use of personal information is governed by our Privacy Policy, which is incorporated into these Terms by reference.

Limitation of Liability

Lead Community Credit Union shall not be liable for:

Indirect, incidental, or consequential damages
Losses resulting from unauthorized account access due to your negligence
Service interruptions beyond our reasonable control
Third-party service provider failures

Dispute Resolution

Any disputes arising from these Terms or your use of our services shall be resolved through:

Direct communication with our customer service team
Mediation or arbitration if necessary
Legal proceedings in accordance with applicable law

Changes to Terms

We reserve the right to modify these Terms at any time. We will notify you of material changes via email, mail, or through our website. Continued use of our services after changes constitutes acceptance of the new Terms.

Contact Information

For questions about these Terms of Service:

Phone: (555) 123-4567
Email: info@leadccub.online
Mail: Legal Department, 121 South Church Street, George Town, Grand Cayman KY1-1104, Cayman Islands