PLEASE READ THESE TERMS OF USE CAREFULLY. BY ACCESSING THIS WEBSITE, YOU AGREE TO BE BOUND BY THE TERMS AND CONDITIONS BELOW. THESE TERMS AND CONDITIONS ARE SUBJECT TO CHANGE. IF YOU DO NOT AGREE WITH THESE TERMS AND CONDITIONS, PLEASE DO NOT ACCESS THIS SITE.
Welcome
Welcome to the Beal Bank USA website. Beal Bank USA and its affiliates (collectively, “Beal Bank USA” or the “Bank”) provide access to its websites (collectively, this “Site”) and its products and services to you subject to the following Terms and Conditions of Use (these “Terms”).
By accessing this Site, you consent to and agree to be bound by these Terms, including any amendments to these Terms. The Bank may revise these Terms at any time in its sole discretion, without prior notice, by updating this posting. You can review the most current version of these Terms by clicking the “Terms of Use” link at the bottom of this Site or through other forms of notice that the Bank may provide to you from time to time.
In addition, by utilizing this Site, you agree to review these Terms regularly, and your continued access or use of this Site will mean that you agree to be bound by such terms contained in the most recent version of these Terms, including any changes or revisions.
General
You agree and understand that effective use of this Site may require your browser to use software plug-ins and modules in order to correctly display content and utilize features on this Site.
Access to this Site may from time to time be unavailable, delayed, limited, or slowed due to, among other things: hardware or software failure, overload of system capabilities, loss of utilities, and/or any other cause outside the control of Beal Bank USA. The Bank is not responsible for any computer virus or related problems that may be associated with your use of or access to this Site or any of the Service(s) (as defined below).
Services Offered through this Site
Product offers, rates, terms, and other information provided are subject to change without notice, and may differ among geographic locations. Not all products and services are offered at all locations.
Beal Bank USA or its affiliates’ service(s) (the “Service(s)”) available through this Site are subject to the applicable agreement, including, but not limited to, the Deposit Account Agreement (collectively, the “Service Agreements”) that you and Beal Bank USA agree to at the time of registration for the Service(s). All products and services of Beal Bank USA are subject to the terms and conditions of the applicable Service Agreements governing their use.
Beal Bank USA may discontinue or make changes in the information, products, or Service(s) described herein at any time without prior notice to you and without any liability to you. Beal Bank USA reserves the right to terminate any or all Site offerings or transmissions without prior notice to the user. By offering this Site and information, products, or Service(s) via this Site, no distribution or solicitation is made by Beal Bank USA to any person to use this Site or such information, products, or Service(s) in jurisdictions where the provision of this Site and such information, products, or Service(s) is prohibited by law.
If you are an account owner, you may use the Site to access your account, transfer funds to and from your account, and perform other actions related to your account, provided you have created credentials and been authenticated. If these Terms conflict with your Service Agreements, including, but not limited to, the Deposit Account Agreement, unless specifically stated otherwise in your applicable Service Agreements, the Service Agreements will control.
Access to this Site and Restrictions on Use
Beal Bank USA restricts access to password-protected areas of this Site to authorized users only. If you are an authorized user, you are responsible for maintaining the confidentiality of your account access credentials (user name, password, and/or authenticating information). You agree to immediately notify the Bank of any unauthorized use of your account credentials or any other breach of security.
The Bank is not liable for any loss or damage arising from your failure to protect the confidentiality of your account credentials or your other security lapses. Unauthorized use of the Service(s), misuse of passwords, or misuse of any information or material posted on this Site is strictly prohibited.
Any attempt to log on to this Site from any country under sanctions by the Office of Foreign Assets Control (“OFAC”) may result in your access being restricted and/or terminated.
You may use the Service(s), including this Site, only for lawful purposes, and you agree not to use the Service(s), including this Site, in any way that violates any applicable federal, state, local, or international law, rule, or regulation.
Copyrights and Trademarks
All of the pages and screens on the Bank’s websites, including this Site, are owned and controlled by Beal Bank USA, except as otherwise expressly stated, and are protected by United States copyright laws. The Beal Bank USA and Better by Beal logos are service marks of Beal Bank USA. Other featured words used on this Site to identify the source of goods and services are trademarks and service marks owned by Beal Bank USA or owned by third parties. You may not use, copy, display, distribute, modify, or reproduce any of the trademarks or service marks found on the Beal Bank USA websites, including this Site, except as authorized in this paragraph or pursuant to a written license agreement.
The works of authorship contained in this Site, including, but not limited to, all design, text, sound recordings, and images, are owned, except as otherwise expressly stated, by Beal Bank USA or one of its affiliates. Except as otherwise expressly stated herein, such works of authorship may not be copied, transmitted, displayed, performed, distributed (for compensation or otherwise), licensed, altered, framed, stored for subsequent use, or otherwise used in whole or in part in any manner without Beal Bank USA’s prior written consent, except to the extent permitted by the Copyright Act of 1976 (17 U.S.C. § 107), as amended, and then, only with notices of Beal Bank USA’s proprietary rights provided, that you may download information and print out hard copies for your personal use, so long as you do not remove any copyright or other notice as may be contained in information, as downloaded.
Submissions
Beal Bank USA does not claim ownership of the materials you provide to Beal Bank USA (including feedback and suggestions) or post, upload, input, or submit to any Beal Bank USA website or its associated services (collectively, “Submissions”).
However, by posting, uploading, inputting, providing, or submitting your Submissions, you are granting Beal Bank USA, its affiliated companies, and necessary sublicensees permission to use your Submissions in connection with the operation of their businesses, including, without limitation, the rights to copy, distribute, transmit, publicly display, publicly perform, reproduce, edit, translate, and reformat your Submissions. Please note that specific terms and conditions provided on the web page describing a particular feature or offer may supersede this provision.
Privacy
Beal Bank USA takes your privacy seriously. If you have any questions regarding privacy, please read the Bank’s Online Privacy Policy (https://www.bealbank.com/bbusa/online-privacy) and Consumer Privacy Notice (https://www.bealbank.com/bbusa/consumer-privacy-notice).
This Site is hosted in the United States. In your use of this Site or the Service(s), you may transfer certain personal information to the United States. To the extent permitted by applicable law, your use of this Site and the Service(s) shall constitute your consent to the transfer of personal information to the United States and the applicability of United States law.
Linked Sites
Beal Bank USA may provide you links to websites maintained by third parties. Beal Bank USA does not control such third parties and does not operate, control, or endorse in any respect any information, products, or services on such third-party websites. Your use of third-party content or purchase of third-party products or services is at your own risk.
Links to non-Beal Bank USA websites do not imply any endorsement of or responsibility for the opinions, ideas, products, information, or services offered at such sites, or any representation regarding the content at such sites. If you choose to link to a website not controlled by Beal Bank USA, Beal Bank USA makes no warranties, either express or implied, concerning the content of such site, including, without limitation, the accuracy, completeness, reliability, or suitability thereof for any particular purpose, nor does Beal Bank USA warrant that such site or content is free from any claims of copyright, trademark, or other infringement of the rights of third parties or that such site or content is devoid of viruses or other contamination.
NO WARRANTY
THE INFORMATION AND MATERIALS CONTAINED IN THIS SITE (INCLUDING, BUT NOT LIMITED TO, ALL TEXT, GRAPHICS, LINKS, FUNCTIONALITY, AND OTHER MATERIALS AND ITEMS) ARE PROVIDED “AS IS.” BEAL BANK USA DOES NOT WARRANT THE ACCURACY, ADEQUACY, TIMELINESS, OR COMPLETENESS OF THIS INFORMATION AND MATERIALS, AND EXPRESSLY DISCLAIMS LIABILITY FOR ERRORS OR OMISSIONS IN THIS INFORMATION AND MATERIALS. NO WARRANTY OF ANY KIND, IMPLIED, EXPRESS, OR STATUTORY, INCLUDING, BUT NOT LIMITED TO, THE WARRANTIES OF MERCHANTABILITY, TITLE, NON-INFRINGEMENT OF INTELLECTUAL PROPERTY, FITNESS FOR ANY PARTICULAR PURPOSE, AND FREEDOM FROM COMPUTER VIRUS, IS GIVEN IN CONJUNCTION WITH THE INFORMATION AND MATERIALS, NOR WILL BEAL BANK USA BE LIABLE FOR ANY OTHER PROBLEMS EXPERIENCED BY THE USER DUE TO CAUSES BEYOND BEAL BANK USA’S CONTROL. NO LICENSE TO THE USER IS IMPLIED IN THESE DISCLAIMERS.
LIMITATION OF LIABILITY
TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, BEAL BANK USA SHALL NOT BE LIABLE TO YOU, ANY THIRD PARTY CLAIMING THROUGH YOU, OR OTHERS FOR ANY DIRECT, COMPENSATORY, INDIRECT, INCIDENTAL, PUNITIVE, CONSEQUENTIAL, OR OTHER DAMAGES OF ANY KIND ARISING OUT OF OR RELATED TO THESE TERMS, THIS SITE, OR THE SERVICE(S), OR IN CONNECTION WITH ANY FAILURE OF PERFORMANCE, ERROR, OMISSION, INTERRUPTION, DEFECT, DELAY IN OPERATION OR TRANSMISSION, COMPUTER VIRUS, OR LINE OR SYSTEM FAILURE, EVEN IF YOU OR BEAL BANK USA HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, AND, REGARDLESS OF THE FORM OF ACTION, WHETHER IN CONTRACT, WARRANTY, TORT (INCLUDING NEGLIGENCE), STRICT LIABILITY, OR OTHERWISE. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IF, NOTWITHSTANDING THE OTHER PROVISIONS OF THESE TERMS, BEAL BANK USA AND/OR ITS AFFILIATES SHOULD HAVE ANY LIABILITY TO YOU ARISING OUT OF OR RELATED TO THESE TERMS, THIS SITE, OR THE SERVICE(S), YOU AGREE SUCH LIABILITY FOR ANY AND ALL CLAIMS SHALL NOT EXCEED TEN DOLLARS ($10.00) PER USER IN THE AGGREGATE.
Indemnification
To the maximum extent permitted by applicable law, you agree to release, indemnify, defend, and hold harmless Beal Bank USA, all of its direct and indirect subsidiaries and affiliates, and each of their officers, directors, employees, agents, successors, and assigns from and against all losses, damages, claims, liabilities, expenses (including attorneys’ fees), and related costs and expenses (including, without limitation, by law firms and forensic firms, correction or restoration of any destroyed, lost, or altered data, notification to affected customers, offering and providing of credit monitoring, customers service, or other remediation services, and any related costs) brought by any person arising from or relating to your access and use of this Site, including the unauthorized access or use of this Site and, without limitation, any claims alleging facts that, if true, would constitute a breach by the user of these Terms. Beal Bank USA’s rights to indemnity are in additional to all other rights and remedies available at law or in equity. Any exercise by Beal Bank USA of its rights to indemnification shall be without prejudice to such other rights and remedies.
Enforceability and Governing Law
In the event any of the terms or provisions of these Terms shall be held unenforceable, the remaining terms and provisions shall be unimpaired and the unenforceable term or provision shall be replaced by such enforceable term or provision that comes closest to the intention underlying the unenforceable term or provision. These Terms shall be subject to any other agreements you have entered into with Beal Bank USA.
Beal Bank USA shall not be deemed to have waived any of its rights or remedies unless such waiver is in writing and signed by an authorized representative of the Bank. No delay or failure on the Bank’s part to exercise any right or remedy shall be a waiver of that right or remedy or any other right or remedy. A waiver on any particular occasion shall not be construed as a bar or waiver of any rights or remedies in the future.
The user’s access to and use of this Site and these Terms are governed by all applicable federal laws and the laws of the State of Texas, without regard to its conflict of law principles. The user agrees that venue shall be located in Collin County, Texas.
Changes and Questions
Beal Bank USA may change these Terms at any time. Any changes or updates to these Terms will become effective immediately when posted. The “Last Updated” date of these Terms, as stated below, indicates the last time these Terms were materially changed. Checking the “Last Updated” date below allows you to determine whether there have been such changes since the last time you reviewed these Terms.
For further direction regarding inquiries concerning these Terms, you may contact Beal Bank USA by visiting https://www.bealbank.com/bbusa/contact-us.
Last Updated May 2026