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Legal
Understanding your rights and responsibilities as a dialbac member.
Understanding your rights and responsibilities as a dialbac member across digital banking, payments, lending, and account services.
v6.1
Mar 2026
Expanded arbitration disclosures and electronic notice controls.
v6.0
Jan 2026
Updated fee transparency and transaction limitation language.
v5.8
Sep 2025
Added partner-service and uptime commitments.
| Fee Type | Amount | When Charged |
|---|---|---|
| Monthly Maintenance | $0-$15 | Waived with direct deposit |
| Overdraft | $35 | Per occurrence (max 4/day) |
| ATM Out-of-Network | $2.50 | Per transaction |
| Wire Transfer (Domestic) | $25 | Outgoing |
Showing key fees. Switch to Full Terms to view the complete schedule.
Fee Waiver Calculator
Eligible for maintenance fee waiver
Notification Preferences
Daily Limits
Funds Availability (Reg CC)
Members must be 18+ (or have a guardian), meet residency criteria, and complete identity verification. Some products include soft or hard credit checks.
Integration Partners
Plaid, Zelle, and bill pay networks are governed by partner terms and uptime conditions.
System Availability
99.9% uptime target. Planned maintenance Sundays 2-6 AM PT, with advance notices where possible.
Force Majeure
Natural disasters, cyber incidents, and regulatory mandates may temporarily affect service delivery.
Legal Department
1-800-LEGAL-01 (M-F 9-5 PT)
123 Innovation Way, San Francisco, CA 94105
Dispute Submission Form
Expected timeline: initial response in 2 business days.
Annual privacy notice, safeguards rule, and limits on sharing nonpublic personal information.
Applies: All US States
Rights to know, delete, and opt out of sale/sharing for eligible California residents.
Applies: California
Rights to access, correction, deletion, portability, and opt out of profiling.
Applies: Virginia
Applies to EU member data processing with lawful basis, SCCs, and data subject rights.
Applies: EU/EEA
Entire agreement supersedes prior digital terms and may be amended with notice as required.
Governing law: federal law and applicable state law where your account is held.
