Terms of Service

Acceptance of Terms

By accessing or using Valley National Bank digital channels, website, and related services, you agree to be bound by these Terms of Service and all applicable policies. If you do not agree, you should discontinue use of the services.

Eligibility and Account Use

• You must provide accurate, complete, and current information when registering or using services.
• You are responsible for all activity performed under your account credentials.
• You agree not to use the service for unlawful, fraudulent, or unauthorized purposes.

Banking Services

Valley National Bank may provide account management, transfers, card services, bill payment, support services, and other features based on product availability and regulatory requirements. Certain services may be subject to additional product-specific terms.

Transactions and Instructions

• All instructions submitted through authenticated channels may be treated as authorized by you.
• Execution times may vary due to compliance checks, technical limits, banking hours, or third-party dependencies.
• You are responsible for reviewing transaction details before confirmation.

Security Responsibilities

You must keep your login credentials, one-time codes, and account identifiers confidential. You should notify support immediately if you suspect unauthorized access, suspicious activity, or device compromise.

Fees and Service Changes

Applicable fees, limits, and feature availability may change over time. We may update services, suspend functions, or revise these terms as needed for security, legal compliance, or operational reasons.

Suspension or Termination

We may restrict or terminate access to services where required by law, for risk control, or when account terms are violated. Termination does not remove obligations related to prior transactions, liabilities, or applicable legal duties.

Limitation of Liability

To the extent permitted by law, Valley National Bank is not liable for indirect, incidental, or consequential losses arising from service interruptions, delays, technical events, or third-party systems beyond reasonable control.

Governing Law

These terms are governed by applicable banking regulations and relevant jurisdictional laws. Any disputes will be handled in accordance with applicable legal procedures and authorized forums.

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