Terms of Use

Consider these points when using our website
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We want to help you safeguard your personal information.


While Xenith utilizes the most current privacy and security standards, for your own safety and security, we recommend the use of virus protection software. Xenith cannot guarantee the privacy and/or security of unsecured electronic communication.

Links to non-bank sites are provided for the convenience of our customers and are not endorsements.

Secured areas on this site are for authorized users only and any unauthorized attempt to enter the secured areas are prohibited by federal law and may be reported to law enforcement authorities.

Minimum Account Identification Requirements

To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account.

What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We will also ask to see your driver's license or other identifying documents.

Enhanced Security for Online Banking

To authorize out customers’ access to online banking, we use password verification and enhanced security. Enhanced security utilizes a “cookie”, which is a small text file stored on your computer. This “cookie” is unique, and when used in combination with your login information, creates a unique way to identify you to the system. This “cookie” is only used to validate your identity, this “cookie” does not contain any personal information, and will not be used to share any information about you with a third party.