Please read these terms carefully before using our website or services. Last updated: September 18, 2026.
By accessing pandumtrustbank.com, enrolling in online or mobile banking, or opening an account with Pandum Trust Bank (“Bank,” “we,” “us”), you agree to these Terms of Service and any additional agreements that apply to specific products (e.g., deposit account agreements, cardholder agreements). If you do not agree, do not use our services.
This platform is presented as a prototype for demonstration and investor presentation purposes. Full banking services, deposit insurance, and regulatory licensing will apply upon partner integration and receipt of required licenses. Features, balances, and transactions shown in demo environments may be simulated.
You must be at least 18 years of age (or the age of majority in your jurisdiction) and capable of entering into a binding contract to open an account. Additional eligibility criteria may apply to specific products. You represent that all information you provide is accurate and complete.
Online and mobile banking allow you to view balances, transfer funds, pay bills, deposit checks (where available), and manage cards. Availability may be interrupted for maintenance or factors beyond our control. Cut-off times apply to same-day processing of transfers and payments; see product disclosures for details.
Fees, if any, are described in applicable product fee schedules and disclosures. We reserve the right to change fees with notice as required by law. You are responsible for any third-party fees (e.g., mobile carrier data charges).
You agree not to:
All content, trademarks, logos, and software on this site are owned by Pandum Trust Bank or its licensors. You may not copy, modify, or distribute them without prior written permission, except for personal, non-commercial use of publicly available pages.
Services are provided “as is” and “as available.” To the fullest extent permitted by law, we disclaim warranties of merchantability, fitness for a particular purpose, and non-infringement. We do not warrant that services will be uninterrupted, error-free, or free of harmful components.
To the fullest extent permitted by law, Pandum Trust Bank and its affiliates shall not be liable for indirect, incidental, special, consequential, or punitive damages, or any loss of profits or data, arising from your use of the services. Our aggregate liability for claims relating to the services shall not exceed the fees you paid us in the twelve months preceding the claim, except where prohibited by law or where liability cannot be limited (e.g., certain consumer protections).
You agree to indemnify and hold harmless Pandum Trust Bank and its officers, directors, employees, and agents from claims arising out of your breach of these Terms, your misuse of the services, or your violation of any law or third-party rights.
We may suspend or terminate access to online services or close accounts as permitted by law and product agreements, including for inactivity, fraud risk, or breach of terms. You may close accounts according to applicable account agreements.
These Terms are governed by the laws of the United States and the State of North Carolina, without regard to conflict-of-law principles, except where federal banking law applies. Disputes may be subject to arbitration or venue provisions in specific product agreements.
We may modify these Terms at any time. Material changes will be posted on this page with an updated date. Continued use after changes constitutes acceptance where permitted by law. Product-specific agreements may have their own amendment procedures.
Pandum Trust Bank
1200 Financial Plaza, Suite 500, Charlotte, NC 28202
Phone: +1 562 703 3376
Email: support@pandumtrustbank.com
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