Big City Banking
Small Town Service
Business Credit Card Disclosure
|INTEREST RATES &
and Balance Transfers
This rate will vary with the market based on the Prime Ratea. We add 12.00% to the Prime Rate to determine the Purchase and Balance Transfer interest rates.
|Interest Rate for Cash Advances||20.50%
This rate will vary with the market based on the Prime Rate. We add 15.00% to the Prime Rate to determine the Cash Advance rate.
|Penalty Interest Rate and When it Applies||n/a|
|Paying Interest||There is no grace period on balance transfers or cash advances. Your due date is at least 21 days after the close of each billing cycle. We will not charge you interest on purchases if you pay your entire balance by the due date each month.|
|Credit Card Fees|
|Set-Up Fee, Maintenance Fee||$8b|
|Balance Transfer Fee||The greater of $5 or 3% of the amount transferred|
|Cash Advance Fee||The greater of $10 or 4% of the amount advanced|
|Foreign Currency Transaction Fee||2% of each transaction will be charged in U.S. dollars.|
|Late Payment Fee||$35|
|Returned Payment Fee||$25|
|Rushed Credit Card Fee||$70 per card|
|Expedited Payment Fee||$10|
a Prime Rate: Variable rates are based on the 5.00% Prime Rate as of 9/28/2018.
b The fee will be imposed when, at your request, we perform special maintenance on your account.
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