Rewards & Perks
- This credit card has no notable rewards.
- Free online access to your FICO credit score: You can opt-in to access your FICO Score updated monthly for free, within your Mobile Banking app or in Online Banking.
- Fraud protection: Your card transactions will be monitored for possible signs of fraudulent activity. (Depending on the credit card and issuer, this may also include a $0 liability guarantee for fraudulent transactions.)
- Overdraft protection: A service to help prevent declined purchases, returned checks, or other overdrafts.
- Account alerts: Stay on top of your balances and due dates by setting customer email or text alerts.
Rates & Fees
- No annual fee.
- APR on purchases and balance transfers: 22.99%.
- Foreign transaction fee: 3%.
- Fee for direct deposit and check cash advances: Either $10 or 3% of the amount of each transaction, whichever is greater.
- Fee for ATM, over-the-counter, same-day online, and cash equivalent cash advances: Either $10 or 5% of the amount of each transaction, whichever is greater.
- Fee for overdraft protection cash advances (if enrolled): $12 for each transaction (not assessed if deposit account overdrawn by less than $12).
- APR for direct deposit and check cash advances: 25.99%.
- APR for bank cash advances: 27.24%.
- APRs will vary with the market based on the Prime Rate.
A minimum refundable security deposit of $300 (maximum of $4,900) is required to open this account. (Your maximum credit limit will be determined by the amount of the security deposit you provide, your income and your ability to pay the credit line established. If you provide a deposit that exceeds the calculated maximum amount based on your ability to pay, a check will be returned to you for the difference.)