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Whether you are an individual or a business, we have a number of accounts you many be interested in. Further, we don't hide terms and conditions. They are up front and in plain English - there are no hidden terms, or fine print. Further, you are fully protected against identity theft. We don't believe that the victim is responsible for actions of theives.

Standards, Terms & Conditions
(2. Accounts)

  1. Only you have access to this account or any information attached to the account.
  2. You will be served with a legal notice, from the court of justice, if your account is to be seized or frozen.
  3. No account can, or will, be frozen (or seized) without a written order from the court of justice.
  4. Account and/or transaction fees (if any) will be at least 60% based on actual account maintenance costs that the bank pays.
  5. Changes in account and/or transaction fees (if any) will be leved 30 days after they are announced.
  6. A flat fee will be charged, if it benefits the customer - monthly
  7. To protect you from identity theft we have installed several measures;
    1. All transactions uses email verification
    2. Email verification may take up to 72 hours to post.
    3. Monthly statements will be emailed (rather than an online account that can be hacked)
    4. Visible Security features in our emails
    5. More detials will be disclosed privately.
  8. To protect your account(s); DECB maintains a sinking fund in the amount of 10% (minimum) of account(s) value. This means that a minimum of 10% of your accounts value is protected (not invested).
  9. A sinking fund is the only fund (or insurance) that can protect customer accounts, investments, insurance etc. from bankruptcy.
  10. Sinking funds have a minimum (starting) value. Banks pay you interest on the amount in your account, because they invest your money and pay you a percentage of what is earned. The amount allowed to be used for investing determines the minimum amount that the backing sinking fund starts with (The initial value).
  11. Sinking funds must be maintained, deposited into! The amount that must be paid into the account must be greater than the rate paid out. For example, if an account (or any investment) pays out a yield of 4% per year , the sinking fund must be maintain above the 4% per year paid out. Look for the sinking fund maintenance rate.
  12. There is no fee to open an account.
  13. There is no account set-up fee.
  14. Web accounts are insecure and can be hacked, no matter the level encryption.
  15. All transactions are initiated with a verified email process.
  16. Account summaries, details, and statements, are only available via secure file transfer.
  17. Standard account reporting (Balance and transactions) is monthly, and bi-monthly only by request.

Help Desk

We answer all customer inquires within 48 hours. Solicitations will be reviewed for qualification.

A Proud Global American Institution