Gemini Bank - Terms and Conditions

Account Usage

Your account is for authorized banking activities only, subject to our terms and regulatory compliance.

Security Responsibilities

Safeguard your account credentials and PIN to prevent unauthorized access.

Transaction Policies

Transactions require verification and may incur fees as per our schedule.

Regulatory Compliance

We adhere to U.S. banking laws, including anti-money laundering regulations.

Fees and Charges

Review applicable fees for services like wire transfers before initiating transactions.

Account Termination

Accounts may be suspended or terminated for violations or suspicious activity.

1. Introduction

These Terms and Conditions govern your use of Gemini Bank's services, including but not limited to online banking, wire transfers, deposits, and account management. By accessing or using our services, you agree to be bound by these terms in their entirety. These terms may be updated periodically, and continued use constitutes acceptance of any changes.

2. Account Responsibilities

Your account is intended for lawful personal or business banking purposes. You agree to:

Provide accurate, complete, and up-to-date information during registration and account updates.
Maintain the confidentiality of your login credentials, transaction PIN, and any other security details.
Notify Gemini Bank immediately of any unauthorized access, suspected fraud, or security breaches.
Comply with all applicable laws and regulations, including those related to financial transactions.

3. Transaction Policies

All transactions conducted through Gemini Bank are subject to the following:

Verification of identity and transaction details, including the use of a secure transaction PIN.
Processing times that may vary based on the transaction type, recipient bank, and compliance checks.
Potential fees for services such as wire transfers, overdrafts, or international transactions, as outlined in our fee schedule.
Possible account freezes or transaction holds for security, fraud prevention, or regulatory compliance.
Rejection of transactions with insufficient funds, incorrect details, or non-compliance with our policies.

4. Fees and Charges

Gemini Bank may charge fees for certain services, including but not limited to:

Wire transfers (domestic and international).
Overdraft protection or insufficient funds penalties.
Account maintenance or inactivity fees.
Specialized services such as cashier’s checks or foreign currency exchange.

Fees are disclosed at the time of service initiation. It is your responsibility to review the fee schedule available on our platform or by contacting support.

5. Limitation of Liability

Gemini Bank is not liable for losses resulting from:

Unauthorized access due to your failure to secure account credentials.
Delays or failures in transaction processing caused by third-party systems, network issues, or force majeure events (e.g., natural disasters).
Inaccurate or incomplete information provided by you.

We strive to ensure service availability but do not guarantee uninterrupted access to our platform.

6. Account Suspension and Termination

Gemini Bank reserves the right to suspend or terminate your account under the following circumstances:

Violation of these Terms and Conditions.
Suspected fraudulent or illegal activity.
Failure to comply with regulatory requirements, such as identity verification or anti-money laundering checks.
Inactivity for an extended period, as defined in our policies.

Upon termination, you will be notified, and any remaining funds will be handled per applicable regulations.

7. Governing Law

These terms are governed by the laws of the United States and the state in which Gemini Bank is headquartered. Any disputes arising from these terms will be resolved in accordance with applicable federal and state banking regulations.

8. Amendments

We may update these Terms and Conditions at our discretion. Significant changes will be communicated via email or through our platform. Your continued use of our services after updates constitutes acceptance of the revised terms.

9. Contact Us

For questions or concerns regarding these Terms and Conditions, please contact our support team at support@gemini.manix.online or through our online banking platform.