Disclosures

Crown Ridge Bank provides the following disclosures in accordance with federal and state regulations. These disclosures describe important information about our services, your rights, and how your accounts are protected.

FDIC Insurance

Crown Ridge Bank is a member of the Federal Deposit Insurance Corporation (FDIC). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category. This coverage is automatic and requires no action on your part.

Equal Housing Lender

Crown Ridge Bank is committed to fair and equal access to housing and credit for all qualified applicants. We do not discriminate on the basis of race, color, religion, national origin, sex, marital status, age, or any other protected characteristic.

Anti-Money Laundering (AML)

Under the Bank Secrecy Act and the USA PATRIOT Act, Crown Ridge Bank is required to verify the identity of our customers, monitor transactions for suspicious activity, and report certain transactions to federal authorities. We may ask for additional documentation to confirm your identity at any time.

Privacy Disclosure

In accordance with the Gramm-Leach-Bliley Act, we provide our customers with a clear notice of our privacy practices. This notice explains what information we collect, how we use it, and how we protect it. For full details, see our Privacy Policy.

Funds Availability

Deposits are subject to verification before funds are credited to your account. The timing of when funds become available depends on the method of deposit and the verification process. In general:

• Cryptocurrency deposits: credited within hours of verification, usually the same business day.
• Internal transfers between Crown Ridge users: instant, upon PIN confirmation.
• Withdrawals to external banks: subject to our review and processing, typically 1–3 business days.

Electronic Fund Transfers

Your rights and responsibilities regarding electronic fund transfers are governed by the Electronic Fund Transfer Act (EFTA) and Regulation E. In general, you have the right to:

• Receive a receipt or confirmation for each electronic transfer.
• Dispute unauthorized transfers within 60 days of the statement showing the transaction.
• Receive advance notice of changes to your account terms.

Regulatory Information

For full regulatory credentials, see our Regulatory page.

Complaints & Inquiries

If you have a complaint or inquiry about your account, please contact us first so we can resolve it directly. Our compliance team responds to all formal complaints within 3 business days.

If you are not satisfied with our response, you may also contact the Office of the Comptroller of the Currency (OCC) or your state banking regulator. Contact details for these agencies are available in our office or on request.