Online Banking Login
What’s staying the same?
|Interest Rates and Interest Charges||MasterCard Rewards||MasterCard Rate Savvy|
|Annual Percentage Rate (APR) for Purchases||12.90%||9.90%|
|APR for Balance Transfers||12.90%||9.90%|
|APR Cash Advances||12.90%||9.90%|
|How to Avoid Paying Interest on Purchases||Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month.|
|Minimum Interest Charge||If you are charged interest, there is no minimum interest charge.|
|For Credit Card Tips from the Consumer Financial Protection Bureau||To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at: http://www.consumerfinance.gov/learnmore|
|-Cash Advance||$5 for advances at an ATM|
|-Foreign Transaction||1% of each multiple currency transaction in U.S. dollars. 1% of each single currency transaction in U.S. dollars|
|-Late Payment||Up to $15|
|-Return Payment||Up to $31|
How we will calculate your balance: We use the method called “average daily balance (including new purchases).”
Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement.
Late Payment: Up to $15 of the amount of the required minimum payment, whichever is less, if we do not receive your payment by the due date listed on your billing statement.
Returned Payment: Up to $31 or the amount of the required minimum payment, whichever is less
Rates, fees, and terms may change: Subject to the applicable restrictions, we may change the rates, fees, and terms of your account at any time for any reason. These reasons may be based on information in your credit report, such as your failure to make payments to other creditors when due, amounts owed to other creditors, the number of credit accounts outstanding or the number of credit inquiries. These reasons may also include competitive or market-related factors. If we make a change for any of these reasons, you will receive a 45-day notice in writing and a right to opt out in accordance with applicable law.