Terms & Conditions

1. Eligibility and identity verification

You must be at least 18 years old and provide accurate registration details. Before an account is activated you must complete identity verification by uploading a valid government-issued photo ID. We may decline or close an account where identity cannot be verified or where information provided is inaccurate.

2. Opening deposit

• A minimum opening deposit of $300 USD is required to activate a new account.
• The opening deposit is not a fee — the full amount is credited to your account balance once approved.
• Accepted methods: ACH transfer, debit/credit card, bank wire, gift card and Bitcoin. Where you pay by gift card or Bitcoin you must upload proof of payment.
• Deposits are reviewed manually. Until approved, the account remains in a pending state and cannot be used for transfers.
• Each deposit is issued a reference number and a downloadable PDF receipt.

3. Fees

• No monthly maintenance fee and no minimum balance fee on personal, checking or savings accounts.
• A one-time $300 loan processing fee applies when you submit a loan plan; it covers underwriting and document checks.
• Costs charged by third-party networks (card processors, wire networks, blockchain miner fees) are set by those providers.
• We will not introduce a new charge on an existing account without notifying you in advance by email.

4. Refunds and cancellation

If we decline your deposit or loan application, the amount you paid is returned via the method used, less any irreversible third-party network cost. Refund requests must be sent to support@meridiantrustbank.org with the transaction reference. Gift card and cryptocurrency payments are refunded to a bank account you nominate, since those channels cannot be reversed at source.

5. Transfers and account use

Transfers are executed against your available balance. We may delay, decline or reverse a transfer where we suspect fraud, where funds are insufficient, or where required by law. You are responsible for confirming recipient details before submitting a transfer.

6. Loans

Submitting a loan application does not guarantee approval. Approval, amount, term and rate are at our discretion and subject to affordability and identity checks. Full repayment terms are provided before any loan is disbursed.

7. Your responsibilities

• Keep your password confidential and do not share access to your account.
• Report suspected unauthorised activity immediately to support@meridiantrustbank.org.
• Do not use the service for unlawful activity, money laundering or on behalf of a sanctioned party.

8. Suspension and closure

We may suspend or close an account for suspected fraud, unverified identity, or breach of these terms. You may close your account at any time by contacting support; remaining funds are returned once outstanding obligations are settled.

9. Limitation of liability

We are not liable for losses caused by inaccurate information you supply, by your failure to keep credentials secure, or by outages of third-party payment networks outside our control. Nothing in these terms excludes liability that cannot lawfully be excluded.

10. Changes and contact

We will update this page when terms change and revise the date above; material changes are also announced by email. Questions: support@meridiantrustbank.org or WhatsApp +44 7344 871413.