This Current Account Agreement serves as the foundational document governing the relationship between banking institutions and their customers in Ireland. It is essential for establishing and maintaining current accounts, ensuring compliance with Irish banking regulations and EU directives, including the Consumer Protection Code 2012 and Payment Services Regulations 2018. The agreement is designed to be used when opening new current accounts or updating terms for existing accounts, covering both personal and business banking relationships. It contains comprehensive provisions for account operations, electronic banking services, security measures, fees and charges, and customer rights and obligations. The document reflects modern banking practices while incorporating regulatory requirements for consumer protection, data privacy, and anti-money laundering measures.
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1. Parties: Identification of the bank and the customer, including full legal names and addresses
2. Background: Brief context explaining the purpose of the agreement for current account services
3. Definitions: Definitions of key terms used throughout the agreement
4. Account Opening and Operation: Requirements and process for opening and maintaining the account, including eligibility criteria
5. Services Provided: Description of available account services, features, and facilities
6. Payments and Transactions: Terms governing payments, transfers, deposits, and withdrawals
7. Fees and Charges: Details of all applicable fees, charges, and interest rates
8. Security and Access: Requirements for account security, PIN/password protection, and online banking access
9. Customer Obligations: Customer responsibilities including reporting unauthorized transactions and maintaining security
10. Bank's Rights and Obligations: Bank's responsibilities, rights to modify terms, and service standards
11. Communications: Methods and requirements for communications between parties
12. Data Protection: How personal data is collected, used, and protected in accordance with GDPR
13. Term and Termination: Duration of agreement and circumstances for account closure
14. Governing Law and Jurisdiction: Specification of Irish law as governing law and jurisdiction
1. Joint Accounts: Terms specific to accounts held by multiple parties, including operational instructions and liability
2. Foreign Currency Services: Terms for foreign currency transactions and accounts, if offered
3. Business Accounts: Additional terms specific to business customers, including authorized signatories
4. Special Category Accounts: Terms for student, senior citizen, or other special category accounts
5. Overdraft Facility: Terms governing overdraft facilities, if offered
6. Digital Banking Services: Specific terms for mobile and online banking services, if provided separately
1. Schedule 1 - Fee Schedule: Detailed breakdown of all fees, charges, and interest rates
2. Schedule 2 - Account Types and Features: Detailed description of different account types and their specific features
3. Schedule 3 - Digital Banking Terms: Specific terms and conditions for online and mobile banking services
4. Appendix A - Required Documentation: List of documents required for account opening and verification
5. Appendix B - Transaction Limits: Details of daily/monthly transaction limits for different transaction types
6. Appendix C - Security Procedures: Detailed security procedures and requirements for account access
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