Policy

Twenty Forth & Fifth maintains strict policies regarding account management, transactions, and user conduct. All account holders are expected to comply with these policies to ensure the security and integrity of our banking services.

• Accounts must be maintained in good standing with accurate information
• Account holders are responsible for all activities under their account
• We reserve the right to suspend or close accounts that violate our policies
• Account verification may be required at any time

Our transaction policies include:

• Transfer Limits: Minimum transfer: $0-100,000. Maximum limits vary by account tier and verification status
• Processing Times: Domestic transfers: 1-2 business days. International transfers: 1-3 business days
• Fees: Transaction fees apply as disclosed in our fee schedule. Fees are non-refundable once a transaction is processed
• Reversals: Transactions cannot be reversed once processed. Please verify all details before confirming
• Pending Transactions: Maximum of 5 pending transactions allowed at any time

Know Your Customer (KYC) verification is mandatory for all account holders. Our verification policy includes:

• Initial verification required during account registration
• Periodic re-verification may be required
• Enhanced due diligence for high-value transactions
• Documentation must be current and valid
• Verification status affects account limits and features

Failure to complete KYC verification may result in account restrictions or closure.

To maintain account security, users must:

• Use strong, unique passwords and change them regularly
• Enable multi-factor authentication when available
• Never share account credentials with anyone
• Report suspicious activity immediately
• Log out from shared or public devices
• Keep contact information up to date for security alerts

We employ bank-level encryption and security measures, but users are responsible for maintaining the security of their login credentials.

Our fee structure includes:

• Account Maintenance: Fees vary by account type and tier
• Transaction Fees: Applied to transfers, withdrawals, and certain services
• Currency Conversion: Exchange rates and fees apply for multi-currency transactions
• Inactivity Fees: May apply to dormant accounts after extended periods

All fees are disclosed before transaction completion. Fee schedules are subject to change with 30 days' notice.

Twenty Forth & Fifth operates in compliance with international banking regulations, including:

• Anti-Money Laundering (AML) regulations
• Know Your Customer (KYC) requirements
• Sanctions screening and compliance
• Tax reporting obligations where applicable
• Data protection and privacy regulations

We may be required to report certain transactions to regulatory authorities as mandated by law.

Accounts may be closed by the account holder at any time, subject to:

• Settlement of all outstanding balances and fees
• Completion of pending transactions
• Verification of account holder identity
• Compliance with regulatory requirements

We reserve the right to close accounts that violate our terms, engage in fraudulent activity, or fail to meet regulatory requirements.

If you have a dispute or complaint regarding our services:

• Contact our support team immediately
• Provide detailed information about the issue
• We will investigate and respond within 5-10 business days
• Disputes may be escalated to our compliance department
• Final resolution is subject to our terms and applicable law

For questions about our policies, please contact us: