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Big City Banking

Small Town Service

Business Credit Card Disclosure

Interest Rate
for Purchases
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
Annual Fee None
Set-Up Fee, Maintenance Fee $8b
Transaction Fees
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.
Penalty Fees
Late Payment Fee $35
Over-the-Credit-Limit Fee $35
Returned Payment Fee $25
Other Fees
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.

VISA®, the name VISA, and Roadside Dispatch are registered trademarks of Visa.

Card Valet and uChoose Rewards are registered trademarks of Fiserv, Inc.