Last updated 9 March 2026
Article I. Agreement to Terms
By opening a Checking account with PCIBank, you acknowledge that you have read, understood, and agree to be bound by these Terms and Conditions, as well as our Bank’s General Terms available at http://pcibank.site/legal/terms and our Privacy Policy at http://pcibank.site/legal/privacy.
Article II. Account Operations
Section 2.01 Account Purpose The PCIChecking account is designed for standard, day-to-day transactional purposes. It is strictly a checking account and does not function as a securities or investment account.
Section 2.02 Deposits and Withdrawals Account holders may make deposits and withdrawals subject to PCIBank’s standard clearing times and daily limits. PCIBank reserves the right to hold unverified funds to ensure transaction security and compliance with applicable regulations.
Section 2.03 Overdrafts and Insufficient Funds If your account lacks sufficient available funds to cover a transaction, PCIBank may, at its sole discretion, decline the transaction or process it, resulting in an overdrawn balance. You agree to immediately repay any overdraft amount along with any applicable fees.
Article III. Fees and Service Charges
Section 3.01 Schedule of Fees Your PCIChecking account is subject to fees for certain services, maintenance, and penalties as outlined in our current Fee Schedule. These charges will be automatically deducted from your account balance.
Section 3.02 Modifications to Fees PCIBank reserves the right to amend the Fee Schedule at any time. Notice of such changes will be provided to account holders prior to the changes taking effect, in accordance with applicable governing laws.
Article IV. Electronic Banking and Digital Access
Section 4.01 Online Access You may manage your PCIChecking account electronically through the official PCIOnline discord bot. You are solely responsible for maintaining the confidentiality of your login credentials and for all activities that occur under your account.
Section 4.02 System Availability While we strive for uninterrupted service, digital access to your checking account may occasionally be suspended for routine maintenance, upgrades, or unforeseen technical disruptions. In such cases we will notify you through public channels (i.e. the bank’s business thread).
Article V. Account Termination
Section 5.01 Closure by Account Holder You may close your PCIChecking account at any time by submitting a formal request to PCIBank and sending it thru this link, provided all outstanding fees, overdrafts, and pending transactions have been fully settled.
Section 5.02 Closure by PCIBank PCIBank reserves the right to suspend or terminate your checking account at its discretion, with or without prior notice, in cases of suspected fraud, violation of these Terms and Conditions, or zero-balance inactivity over an extended period.
Article VI. General Provisions
Section 6.01 Limitation of Liability PCIBank, operating under TortenGroup LLC, shall not be held liable for any indirect, incidental, or consequential damages arising from the use or inability to use your checking account, except as required by law.
Section 6.02 Severability If any provision of these Terms and Conditions is found to be unenforceable or invalid, that provision will be limited or eliminated to the minimum extent necessary so that the remaining Terms and Conditions shall otherwise remain in full force and effect.