Effective Date: September 30, 2026
Last Updated: September 30, 2026
Website: firstheritagetrust.com
Institution: First Heritage Trust Bank
Welcome to First Heritage Trust Bank ("First Heritage Trust Bank," "First Heritage," "the Bank," "we," "us," or "our").
These Terms of Service ("Terms," "Agreement," or "Terms of Service") govern your access to and use of the First Heritage Trust Bank website located at firstheritagetrust.com, together with any online banking platform, mobile application, electronic service, communication service, financial product, account, transaction facility, customer-support service, or other service made available by us through the website or through authorized channels (collectively, the "Services").
By accessing, browsing, registering for, or using any portion of the Services, you acknowledge that you have read, understood, and agree to be bound by these Terms, together with any applicable account agreement, product agreement, disclosure, fee schedule, privacy notice, electronic communications consent, security policy, or other terms that may apply to a particular product or service.
If you do not agree to these Terms, you must not access or use the Services.
Certain products and services may be governed by additional agreements. If an additional agreement conflicts with these Terms, the specific agreement applicable to that product or service will control to the extent of the conflict.
First Heritage Trust Bank provides financial and banking-related services through authorized channels and in accordance with applicable laws, regulations, regulatory requirements, contractual obligations, and internal policies.
The availability of any particular banking product or service may depend upon:
your location;
your eligibility;
applicable law;
regulatory requirements;
completion of required identification and verification procedures;
account status;
credit or risk criteria where applicable;
product-specific requirements;
availability of the relevant service; and
the Bank's applicable policies and procedures.
Nothing on the website should be interpreted as a guarantee that any particular account, loan, investment, payment service, credit facility, or other financial product will be approved or made available to you.
To use certain Services, you must satisfy the eligibility requirements applicable to those Services.
Depending on the product or service, we may require you to:
be at least the minimum legal age required for the applicable product;
provide accurate identification information;
provide a valid residential or business address;
provide a valid telephone number and email address;
provide tax identification information where required;
complete identity verification;
satisfy applicable customer due-diligence requirements;
satisfy applicable credit, risk, compliance, or underwriting requirements;
provide documentation supporting information supplied to us; and
comply with all applicable laws and regulations.
We may refuse, delay, restrict, suspend, or terminate access to a product or service where permitted or required by law.
Where account opening is available online, submitting an application does not constitute acceptance of your application.
We may review information provided by you and conduct identity, fraud-prevention, sanctions, anti-money-laundering, credit, regulatory, and other checks that we consider necessary or that are required by law.
We may request additional documentation before opening an account.
You agree that all information provided during the account-opening process will be truthful, complete, accurate, and current.
If information changes after you open an account, you are responsible for notifying us through an authorized channel when required.
Financial institutions may be required to obtain and verify information concerning their customers.
You authorize First Heritage Trust Bank, where permitted or required by applicable law, to obtain, verify, record, and retain information necessary to establish and maintain your relationship with the Bank.
Such information may include:
full legal name;
date of birth;
residential address;
mailing address;
telephone number;
email address;
government-issued identification;
tax identification information;
business information;
source-of-funds information;
beneficial ownership information;
employment information;
financial information; and
other information reasonably necessary for compliance or risk-management purposes.
Failure to provide requested information may result in an application being declined or an existing service being restricted, suspended, or terminated where permitted by law.
You agree to provide accurate, complete, and current information.
You must not:
impersonate another person;
provide false identification;
use another person's account without authorization;
conceal your beneficial ownership;
provide misleading information;
submit forged or altered documents;
use an account for undisclosed unlawful purposes; or
knowingly provide information that could interfere with regulatory or security processes.
We may rely on information you provide until you notify us of a change through an authorized channel.
Where online banking is offered, you may receive access credentials such as:
username;
password;
personal identification number;
security code;
one-time passcode;
authentication token;
biometric credential; or
other authentication mechanism.
You are responsible for protecting your authentication credentials.
You must not share your password, PIN, security codes, authentication tokens, or other confidential credentials with another person.
We will not normally ask you to disclose your complete password or authentication code through an unsolicited email, telephone call, text message, or social-media message.
If you believe your credentials have been compromised, you must notify us immediately through an official customer-support channel.
By using electronic Services, you may receive communications electronically.
Subject to applicable law and any required consent, communications may be delivered through:
email;
secure online banking messages;
mobile applications;
text messages;
electronic statements;
website notifications;
other electronic communication channels.
Electronic communications may include:
account notices;
transaction confirmations;
security alerts;
statements;
disclosures;
regulatory notices;
service updates;
fraud alerts;
password-reset communications; and
other account-related information.
You are responsible for maintaining a valid email address and appropriate access to your electronic communications.
Where legally permitted, you agree that electronic signatures, electronic acknowledgments, electronic instructions, and electronic records may have the same legal effect as corresponding paper documents.
Your electronic acceptance may constitute your authorization to proceed with a transaction, application, agreement, or service.
You should retain copies of important electronic records.
Transactions may include, depending on the Services made available to you:
deposits;
withdrawals;
transfers;
bill payments;
electronic payments;
card transactions;
wire transfers;
ACH transactions;
account-to-account transfers;
international transactions;
merchant payments; and
other authorized transactions.
Transactions are subject to applicable processing rules, cut-off times, security controls, verification requirements, and applicable fees.
A transaction may be delayed, rejected, reversed, limited, or placed under review where permitted or required by law or where necessary to protect customers, the Bank, or the financial system.
You are responsible for reviewing transaction information before submitting an instruction.
Once a transaction instruction has been submitted, cancellation or modification may not always be possible.
You acknowledge that some transactions may be processed automatically and may not be reversible.
Where applicable, transaction requests may be subject to additional authentication.
For security, regulatory, operational, or risk-management reasons, we may establish limits on:
transaction amounts;
transaction frequency;
withdrawals;
transfers;
payment amounts;
international transactions;
card transactions;
account funding; and
other Services.
Limits may vary by customer, account type, transaction type, channel, geographic location, or other relevant factor.
We may change applicable limits where permitted by law and applicable agreements.
Certain Services may be subject to fees.
Applicable fees may include:
account fees;
transaction fees;
transfer fees;
wire fees;
card fees;
ATM fees;
foreign-exchange charges;
expedited-service fees;
overdraft-related fees where applicable;
returned-payment fees;
administrative fees; and
other disclosed charges.
Applicable fees will be disclosed through the relevant account agreement, fee schedule, disclosure, product documentation, or other applicable communication.
You authorize us to deduct applicable fees from your account where permitted.
Where an account or financial product carries interest, the applicable rate, calculation method, compounding frequency, and other conditions will be governed by the applicable product agreement and disclosures.
Rates may be fixed or variable depending upon the product.
Nothing in these Terms guarantees any particular interest rate unless expressly stated in the applicable agreement.
If First Heritage Trust Bank offers loans, credit facilities, lines of credit, mortgages, or other credit products, those products may be governed by separate agreements.
Approval may depend on applicable underwriting, credit, income, collateral, regulatory, and risk requirements.
Applying for a credit product does not guarantee approval.
You agree to provide accurate information and supporting documentation when applying for credit.
Borrowers must comply with the terms of their applicable credit agreement, including repayment obligations, interest, fees, covenants, collateral requirements, and default provisions.
Where cards are provided, cardholders are responsible for safeguarding their cards and associated credentials.
You must promptly report:
lost cards;
stolen cards;
unauthorized transactions;
suspected card compromise;
unauthorized access; or
other security incidents.
Card use may be subject to transaction limits, merchant restrictions, geographic controls, fraud-prevention systems, and applicable card-network rules.
ATM services may be subject to availability, transaction limits, fees, network rules, and other restrictions.
Third-party ATM operators may impose additional fees.
We are not responsible for the operation of independently operated ATMs except to the extent required by applicable law.
International transactions may be subject to:
currency conversion;
foreign-exchange rates;
correspondent-bank charges;
intermediary fees;
sanctions restrictions;
country-specific requirements;
transaction limits;
regulatory screening; and
additional processing time.
Exchange rates may change between the time a transaction is initiated and the time it is completed.
First Heritage Trust Bank may be required to maintain procedures designed to comply with applicable anti-money-laundering, counter-terrorist-financing, sanctions, fraud-prevention, customer-identification, and related requirements.
We may monitor transactions and account activity for compliance, security, fraud prevention, and risk-management purposes.
Where permitted or required by law, we may:
request additional information;
delay transactions;
decline transactions;
restrict accounts;
freeze or block transactions;
close accounts;
report activity to competent authorities; or
take other actions required or permitted by law.
We may not always be able to disclose the reasons for certain actions where disclosure is prohibited or would interfere with legal or regulatory obligations.
You must not use the Services for unlawful purposes.
Prohibited activities may include:
fraud;
money laundering;
terrorist financing;
sanctions evasion;
identity theft;
unauthorized access;
theft;
scams;
unlawful gambling where prohibited;
trafficking in prohibited goods or services;
financing unlawful activities;
use of false identity documents;
account takeover;
unauthorized payment processing;
cybercrime;
manipulation of financial systems; or
any activity prohibited by applicable law.
We may take appropriate action where prohibited activity is suspected or identified.
We may employ automated and manual systems to detect unusual or potentially fraudulent activity.
These systems may result in additional verification, transaction delays, account restrictions, or other protective measures.
If we contact you regarding potentially fraudulent activity, you may be required to verify your identity before we discuss account information.
You must take reasonable precautions to protect your accounts.
You should:
use strong passwords;
avoid reusing banking passwords on unrelated websites;
keep devices updated;
use secure networks;
protect your mobile device;
avoid sharing authentication codes;
review account activity regularly; and
immediately report suspected unauthorized activity.
You should never provide an authentication code to a person who contacts you unexpectedly.
Your use of the Services is also subject to our Privacy Policy.
The Privacy Policy explains how we collect, use, disclose, protect, and retain personal information.
By using the Services, you acknowledge that information may be processed in accordance with the applicable Privacy Policy and applicable law.
The content provided on firstheritagetrust.com is intended for general informational purposes unless expressly identified as a contractual disclosure or legally binding document.
Website content may include:
descriptions of products;
educational materials;
financial information;
calculators;
announcements;
rates;
promotional materials;
articles;
FAQs; and
other information.
Website content may be changed, corrected, updated, or withdrawn without notice where appropriate.
Unless expressly provided under an applicable regulated advisory service, website content is not intended to constitute personalized financial, investment, tax, legal, accounting, or professional advice.
You should consider your individual circumstances and obtain independent professional advice where appropriate.
Certain Services may depend upon third parties, including:
payment networks;
card networks;
telecommunications providers;
identity-verification providers;
technology providers;
correspondent financial institutions;
credit-reporting agencies;
payment processors; and
other service providers.
Third-party services may be subject to separate terms and privacy policies.
We are not responsible for third-party services except to the extent provided by applicable law.
The website may contain links to third-party websites.
Such links are provided for convenience.
A link to a third-party website does not necessarily mean that First Heritage Trust Bank endorses, sponsors, or guarantees the third party or its products and services.
You should review the applicable third party's terms and privacy policy before using its services.
We endeavor to maintain reliable access to the website and online Services.
However, uninterrupted availability cannot be guaranteed.
Access may be interrupted because of:
maintenance;
upgrades;
telecommunications failures;
internet outages;
cybersecurity incidents;
technical failures;
power interruptions;
third-party service failures;
emergencies;
regulatory requirements; or
circumstances beyond our reasonable control.
We may temporarily suspend Services for maintenance, security improvements, upgrades, testing, or other operational reasons.
Where reasonably practicable, we may provide advance notice of planned maintenance.
Emergency maintenance may occur without advance notice.
Unless otherwise stated, content appearing on firstheritagetrust.com may be owned by or licensed to First Heritage Trust Bank.
This may include:
trademarks;
logos;
graphics;
text;
photographs;
videos;
software;
designs;
layouts;
databases;
documents; and
other intellectual property.
You may not reproduce, distribute, modify, sell, publish, transmit, or commercially exploit protected content without appropriate authorization.
"First Heritage Trust Bank" and associated names, logos, marks, designs, and branding elements may constitute trademarks or service marks of their respective owners.
Unauthorized use of Bank branding is prohibited where such use infringes applicable intellectual-property rights or creates a misleading association.
Where the Services allow you to submit information, messages, reviews, forms, documents, or other content, you represent that:
you have the right to submit the content;
the content is accurate to the best of your knowledge;
the content does not unlawfully infringe another person's rights; and
the content does not contain unlawful or malicious material.
We maintain security measures appropriate to the Services we provide.
However, no electronic system can be guaranteed to be completely secure.
You acknowledge that internet communications may involve risks beyond the Bank's reasonable control.
You must notify us promptly if you suspect unauthorized access to your account or credentials.
We may restrict, suspend, or terminate access to an account or Service where permitted or required by law or applicable agreement.
Reasons may include:
suspected fraud;
security concerns;
legal requirements;
regulatory requirements;
inaccurate information;
failure to provide requested documentation;
violation of an agreement;
unauthorized use;
suspicious activity;
inactivity;
financial risk;
failure to satisfy account requirements; or
other legitimate operational or compliance reasons.
Where legally permitted, we may provide notice of such action.
You may request closure of an account subject to the applicable account agreement and outstanding obligations.
Account closure may not eliminate obligations incurred before closure.
Outstanding fees, debts, claims, chargebacks, reversals, or other obligations may remain payable after closure.
Accounts may become inactive or dormant according to applicable law and account terms.
Property associated with dormant accounts may be subject to applicable unclaimed-property or escheat requirements.
If you identify an error, unauthorized transaction, duplicate transaction, incorrect charge, or other discrepancy, you should notify First Heritage Trust Bank promptly using an authorized communication channel.
Certain types of transactions may be subject to specific notice periods established by law or contract.
Failure to notify us within an applicable period may affect available remedies where permitted by law.
Account statements and transaction records may be made available electronically or in another permitted format.
You should review statements promptly and notify us of suspected errors or unauthorized transactions.
Our records may be used as evidence of transactions, subject to applicable law and applicable account agreements.
We may communicate with you using contact information associated with your account.
You agree to maintain current contact information.
We may use communication channels including:
telephone;
email;
secure messages;
postal mail;
text messages;
mobile notifications; and
other authorized methods.
Customer support is available through the official contact channels published on firstheritagetrust.com.
For your protection, do not provide sensitive account information through unofficial social-media accounts, third-party messaging accounts, or websites that are not controlled by First Heritage Trust Bank.
The official website for First Heritage Trust Bank is:
https://firstheritagetrust.com
To the maximum extent permitted by applicable law, the website and general informational Services are provided on an "as available" basis.
We do not guarantee that:
the website will always be available;
the website will be error-free;
information will always be current;
electronic communications will always be delivered;
third-party services will always operate;
transactions will always process immediately; or
the Services will meet every particular requirement.
Nothing in these Terms excludes a warranty or legal right that cannot lawfully be excluded.
To the maximum extent permitted by applicable law, First Heritage Trust Bank and its affiliates, officers, directors, employees, agents, and service providers will not be liable for indirect, incidental, special, consequential, exemplary, or punitive damages arising from use of the website or Services, except where such limitation is prohibited by applicable law.
Nothing in these Terms is intended to limit liability that cannot legally be limited or excluded.
Product-specific agreements may contain additional liability provisions.
We will not be responsible for delays or failures caused by circumstances beyond our reasonable control, including:
natural disasters;
severe weather;
fire;
flood;
war;
terrorism;
civil unrest;
governmental action;
regulatory restrictions;
telecommunications failures;
power outages;
cybersecurity incidents;
infrastructure failures;
labor disputes;
pandemics; or
failures of third-party service providers.
We may modify these Terms from time to time.
Updated Terms will be posted on the website with an updated "Last Updated" date.
Where required by law, we will provide additional notice of material changes.
Your continued use of applicable Services after an effective change constitutes acceptance of the revised Terms to the extent permitted by law.
We may modify, suspend, discontinue, or replace website features and Services, subject to applicable law and existing contractual obligations.
Certain financial products may have separate change-notice requirements.
These Terms shall be governed by the laws applicable to First Heritage Trust Bank and the particular Services involved, subject to any mandatory consumer-protection, banking, federal, state, or other laws that apply.
Where a specific account or product agreement contains governing-law provisions, those provisions may control for that product.
Before commencing formal proceedings, customers are encouraged to contact First Heritage Trust Bank through an official customer-service channel to attempt to resolve disputes.
Nothing in this section limits any mandatory rights a customer may have under applicable law.
Certain products may contain separate arbitration, mediation, or dispute-resolution provisions.
Nothing in these Terms is intended to restrict any statutory, regulatory, consumer-protection, complaint, or supervisory rights available to customers under applicable law.
Customers may have rights to submit complaints to applicable regulatory or governmental authorities.
If any provision of these Terms is determined to be invalid, unlawful, or unenforceable, that provision shall be enforced to the maximum extent permitted by law and the remaining provisions shall remain in effect.
A failure by First Heritage Trust Bank to enforce a provision of these Terms does not constitute a waiver of the Bank's right to enforce that provision in the future.
You may not transfer or assign your rights or obligations under these Terms without our prior written consent where such consent is required.
We may assign or transfer our rights and obligations where permitted by applicable law.
These Terms, together with applicable product agreements, account agreements, disclosures, fee schedules, privacy notices, electronic-consent agreements, and other applicable terms, constitute the applicable agreement governing your use of the Services.
Provisions that by their nature should survive termination will continue to apply after termination of your use of the Services.
These may include provisions relating to:
outstanding obligations;
intellectual property;
liability;
dispute resolution;
governing law;
confidentiality;
records; and
other provisions that are intended to survive termination.
The Services are not intended to be used by individuals who are not legally eligible for the applicable financial product.
Where a product is specifically available to minors, additional requirements and parental or guardian provisions may apply.
First Heritage Trust Bank seeks to make its digital Services accessible to customers.
If you experience difficulty accessing information or Services because of an accessibility issue, please contact us through the official support channels so that we can assist where reasonably possible.
You must not:
interfere with website operation;
introduce malware;
attempt unauthorized access;
reverse engineer protected systems;
conduct automated attacks;
scrape restricted information;
circumvent security controls;
impersonate the Bank;
create deceptive websites using Bank branding;
use the website for fraudulent purposes; or
otherwise interfere with the security or integrity of the Services.
We may send security notifications concerning:
new login activity;
password changes;
profile changes;
unusual transactions;
device registration;
payment activity;
account changes; or
other security events.
If you receive an alert that you believe is unauthorized, contact us immediately through an official channel.
Customers should rely only on contact information published through the official First Heritage Trust Bank website or documents issued through authorized Bank channels.
We will not be responsible for losses resulting from communications with unauthorized individuals falsely claiming to represent First Heritage Trust Bank, subject to applicable law.
Submitting an application for an account, loan, card, financial product, or other service does not guarantee acceptance.
The Bank may apply eligibility, identity, compliance, credit, risk, capacity, and other requirements applicable to the product.
You are responsible for understanding and satisfying your own tax obligations arising from your use of financial products and Services.
The Bank may provide tax-related reporting where required by law.
Nothing on the website should be interpreted as individualized tax advice.
We may retain account, transaction, identity, communication, and other records for periods required or permitted by applicable law, regulatory requirements, contractual obligations, fraud prevention requirements, and legitimate business purposes.
We will handle customer information in accordance with applicable law, our Privacy Policy, and applicable banking confidentiality requirements.
Information may be disclosed where permitted or required by law, regulation, court order, legal process, regulatory request, fraud-prevention requirement, or other lawful basis.
You agree to comply with all laws and regulations applicable to your use of the Services.
You must not use the Bank's Services to facilitate an activity that would cause the Bank to violate applicable law or regulatory requirements.
If you access the website from outside the jurisdiction in which a particular First Heritage Trust Bank service is offered, you are responsible for determining whether access or use is permitted under applicable law.
Some products may not be available in all countries or territories.
Where permitted and subject to applicable consent requirements, we may send information about products, services, educational materials, or promotional offers.
You may have the ability to opt out of certain marketing communications.
Opting out of marketing communications does not necessarily prevent us from sending essential account, security, legal, or transactional communications.
The website may use cookies and similar technologies to support functionality, security, analytics, personalization, and other legitimate purposes.
Additional information may be provided in the applicable Privacy or Cookie Policy.
For questions regarding these Terms, account-related matters, or other Services, customers should use the official contact information published on:
firstheritagetrust.com
Website: firstheritagetrust.com
Administrative Location: New York, New York, United States
Country: United States
Important: A specific street address should only be published after First Heritage Trust Bank has legitimately obtained the right to use that address.
References on this website to banking, trust, deposits, insurance, regulation, chartering, or other financial services must accurately reflect First Heritage Trust Bank's actual legal and regulatory status.
Nothing in these Terms represents that First Heritage Trust Bank is:
chartered by a particular regulator;
insured by a particular deposit-insurance organization;
licensed to conduct banking activities in a particular jurisdiction;
authorized to accept deposits;
authorized to provide trust services; or
authorized to provide any particular financial product,
unless that status has actually been obtained and the relevant statement is legally accurate.
By accessing or using the Services, you acknowledge that:
you have read these Terms;
you understand these Terms;
you agree to comply with these Terms;
you understand that additional terms may apply to specific products;
you agree to provide accurate information;
you agree to protect your account credentials; and
you understand that applicable laws and regulations may impose additional requirements.
If you do not agree to these Terms, you should discontinue use of the Services.
© 2026 First Heritage Trust Bank. All rights reserved.
Official Website: firstheritagetrust.com