These terms govern access to and use of Bankular. By using the website, you agree to these terms. Do not use the website if you do not agree.

Informational purpose

Bankular is an independent informational directory and publisher. It is not a bank, credit union, regulator, broker, lender, payment processor, law firm or financial adviser. Content is provided for general research and education and is not individualized financial, legal, tax or investment advice.

Verify important information

Institution status, branch information, routing numbers, rates, fees, eligibility, product terms and financial figures can change or be revised. Before opening an account, sending money, visiting a branch or making a financial decision, verify the relevant information directly with the financial institution, regulator or other primary source.

No account access or customer service

Bankular cannot view or change a bank account, transaction, application, password, card, transfer or customer-service record. Account-specific requests must be directed to the relevant financial institution.

Accuracy and availability

Bankular aims to present attributable information clearly, but does not warrant that every record is complete, current, uninterrupted or error-free. Public datasets and third-party systems may contain delays, omissions, revisions or outages. The website may be changed, suspended or discontinued without notice.

Permitted use

You may use Bankular for lawful personal or internal business research. You may not:

use the website to commit fraud, impersonate another person or mislead users;
attempt to bypass security, disrupt service or gain unauthorized access;
submit malicious code, automated abuse or excessive requests that impair the website;
repackage Bankular’s presentation, branding or editorial work as your own;
use the website in a way that violates law, regulation or the rights of another party.

Automated access and data reuse

Reasonable search-engine crawling and ordinary browsing are permitted. Large-scale extraction, resale, mirroring or automated access may require written permission, particularly when it burdens the website or copies Bankular’s original organization, commentary or presentation. Public-source records remain subject to the terms and provenance of their original sources.

External websites and offers

Bankular may link to institutions, regulators, advertisers and other websites. Those sites are controlled by their operators. Bankular is not responsible for their content, availability, privacy practices, products, application decisions or transactions.

Advertising and compensation

Bankular may receive compensation from advertising, referrals, sponsorships or commercial relationships. See the Advertiser Disclosure. Compensation does not change official source records and does not guarantee that an offer is suitable for you.

Intellectual property

Bankular’s name, design, code, organization, original writing, graphics and other original materials are protected by applicable intellectual-property laws. Names and trademarks of banks, credit unions, regulators and other organizations belong to their respective owners and are used for identification and informational purposes.

Disclaimer of warranties

To the maximum extent permitted by law, the website is provided “as is” and “as available,” without warranties of any kind, express or implied, including warranties of accuracy, merchantability, fitness for a particular purpose, non-infringement or uninterrupted availability.

Limitation of liability

To the maximum extent permitted by law, Bankular and its operators, contributors and service providers will not be liable for indirect, incidental, special, consequential or punitive damages, or for losses arising from reliance on website content, unavailable services, external websites, account decisions, transfers or security incidents.

Indemnity

You agree to be responsible for claims, losses or expenses arising from your unlawful use of the website, violation of these terms or infringement of another party’s rights, to the extent permitted by law.

Changes to these terms

These terms may be updated as Bankular changes. The updated date at the top of the page identifies the current version. Continued use after an update constitutes acceptance of the revised terms.

Contact

Questions about these terms may be submitted through the Bankular contact form.

Terms and conditions