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Checking Agreement

Checking Agreement Template for Netherlands

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Key Requirements PROMPT example:

Checking Agreement

"I need a Checking Agreement template for a Dutch retail bank that includes comprehensive digital banking provisions and mobile payment services, with specific focus on PSD2 compliance and strong customer authentication requirements."

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Document background
The Checking Agreement serves as the primary contractual document governing the relationship between a bank and its account holders in the Netherlands. This agreement is essential for establishing payment accounts and related services, incorporating requirements from Dutch civil law, the Financial Supervision Act (Wft), and EU regulations including PSD2. The document should be used when opening new checking accounts for both individual and business customers, detailing account operations, payment services, security requirements, and customer obligations. It includes mandatory provisions required by Dutch law while allowing for customization based on specific services offered and customer needs. The agreement ensures compliance with Dutch banking regulations, anti-money laundering requirements, and consumer protection laws while providing clear terms for both the bank and account holders.
Suggested Sections

1. Parties: Identification of the bank and account holder(s), including full legal names and addresses

2. Background: Brief context explaining the purpose of the agreement and the banking relationship

3. Definitions: Definitions of key terms used throughout the agreement

4. Account Opening and Management: Terms and conditions for opening and maintaining the account, including eligibility requirements

5. Account Operations: Rules for deposits, withdrawals, and general account operations

6. Payment Services: Terms regarding payment transactions, processing times, and execution requirements

7. Debit Card Services: Terms and conditions for using debit cards linked to the account

8. Online Banking Services: Provisions regarding access to and use of online banking facilities

9. Security and Access: Security requirements, PIN/password procedures, and account access protocols

10. Fees and Charges: Overview of applicable fees and charges for account services

11. Customer Obligations: Customer responsibilities including identity verification and reporting requirements

12. Bank's Rights and Obligations: Bank's duties, responsibilities, and rights in managing the account

13. Privacy and Data Protection: Information handling practices and GDPR compliance measures

14. Changes to Terms: Process for modifying agreement terms and notification requirements

15. Duration and Termination: Terms regarding account duration and closing procedures

16. Applicable Law and Jurisdiction: Governing law and jurisdiction for dispute resolution

Optional Sections

1. Joint Account Provisions: Additional terms for accounts with multiple holders, used when account has multiple parties

2. Business Account Provisions: Specific terms for business customers, used for business checking accounts

3. Foreign Currency Services: Terms for foreign currency transactions, included if foreign currency services are offered

4. Savings Goals Feature: Terms for using sub-accounts or savings pods, included if this feature is offered

5. Overdraft Facility: Terms and conditions for overdraft services, included if overdraft is offered

6. Third-Party Payment Services: Provisions regarding third-party payment service providers under PSD2, included if relevant

7. Mobile Banking Services: Specific terms for mobile banking apps, included if mobile banking is offered

Suggested Schedules

1. Schedule 1: Fee Schedule: Detailed listing of all applicable fees and charges

2. Schedule 2: Interest Rates: Current interest rates for credit and debit balances

3. Schedule 3: Cut-off Times: Processing times and cut-off times for various transaction types

4. Schedule 4: Transaction Limits: Daily and transaction-specific limits for various services

5. Appendix A: Privacy Notice: Detailed privacy policy and data processing information

6. Appendix B: Security Guidelines: Detailed security procedures and best practices

7. Appendix C: Online Banking Terms: Specific terms and conditions for online banking services

Authors

Alex Denne

Head of Growth (Open Source Law) @ ¶¶Òõ¶ÌÊÓƵ | 3 x UCL-Certified in Contract Law & Drafting | 4+ Years Managing 1M+ Legal Documents | Serial Founder & Legal AI Author

alex.den.21@genieai.co
Relevant legal definitions













































Clauses



































Relevant Industries

Banking

Financial Services

Retail Banking

Commercial Banking

FinTech

Payment Services

Digital Banking

Corporate Banking

Consumer Services

Relevant Teams

Legal

Compliance

Banking Operations

Customer Service

Product Development

Risk Management

Retail Banking

Commercial Banking

Regulatory Affairs

Account Management

Treasury

Know Your Customer

Branch Operations

Relevant Roles

Legal Counsel

Compliance Officer

Banking Operations Manager

Account Manager

Customer Service Manager

Product Manager - Payment Services

Risk Manager

Branch Manager

Relationship Manager

Regulatory Affairs Specialist

Banking Operations Director

Head of Retail Banking

Financial Services Consultant

KYC Specialist

Treasury Manager

Industries








Teams

Employer, Employee, Start Date, Job Title, Department, Location, Probationary Period, Notice Period, Salary, Overtime, Vacation Pay, Statutory Holidays, Benefits, Bonus, Expenses, Working Hours, Rest Breaks,  Leaves of Absence, Confidentiality, Intellectual Property, Non-Solicitation, Non-Competition, Code of Conduct, Termination,  Severance Pay, Governing Law, Entire Agreemen

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