Personal Banking
Credit Cards
You choose to bank with us - Why not carry our credit card? Apply Today!
Wherever you shop, dine or travel, you're guaranteed unbeatable convenience and exceptional buying power with MasterCard Basic and Visa Classic. Accepted at over 29 million locations worldwide - you will never worry about carrying cash or being short of cash again!
Features
d2eWe offer the MasterCard® Classic, Visa® Classic, MasterCard Gold, Visa Gold, and a Visa Business Card.
- The Classic Cards - Offer a fixed rate of 15.9% APR (annual percentage rate), No Annual Membership Fee, and a 25 day grace period for purchases.
- The Gold Cards - Offer a fixed rate of 12.9% APR, No Annual Membership Fee, and a 25 day grace period for purchases.
- The Business Cards - Offer a fixed rate of 14.00% APR, No Annual Membership Fee, and a 25 day grace period for purchases.
On all cards, customers can call the bank for balance inquiries. They can make payments at the bank and get credit that day.
No Annual Fee
There is no annual membership fee for the MasterCard Basic and Visa Classic credit card.
Instant Cash Access
You can acquire instant cash by way of an advance at over 200,000 financial institutions or at any one of 160,000 Automated Teller Machine (ATM) locations around the world. Just insert your card in an approved ATM, enter your unique Personal Identification Number, and follow the machine's instructions.
Quality Customer Service
Call our toll-free number, and you will receive prompt, courteous responses to your questions from our excellent customer service staff. They have access to state of the art on-line terminals and are on call to give your request their immediate attention - free!
Worldwide Automatic Travel Accident Insurance
You, your spouse and dependent children up to age 19 (age 23 if a full-time student at an accredited school or college) are automatically covered with common carrier travel accident insurance every time you travel by air, bus, train, ship, taxi, or any other common carrier anywhere in the world when you charge your entire fare to our card. This coverage is available to you at NO EXTRA COST.
No Finance Charge Payment Option
Pay your account balance in full within 25 days of the billing date and you won't incur any finance charges on your purchases.**
Budgeted Repayment Option
If you are making a major purchase or simply want to spread out the repayment of your account balance, it's your choice. All we require is a low monthly payment of $25 or 5% of the account balance, whichever is greater.
Optional Group Credit Card Insurance
When you apply for your MasterCard Basic or Visa Classic you can choose to participate in a special group credit card insurance program. Subscribers who become totally disabled or involuntarily unemployed for more than 30 days will have their minimum monthly credit card payments paid by the program. In addition, this insurance covers the unpaid credit card balance in the event of death. Details are outlined in the insurance section of the application form.
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- Cash advances accrue interest from the date they post to your account. The cash advance fee is 2.0% of the amount advanced ($2.00 minimum, $10.00 maximum).
Statements
Internet Credit Card Statements - Available Now!
Introducing MyCardStatement.com - an interactive tool that will give your cardholders complete access to one of their most important banking products - their credit cards. Consumers are becoming more and more comfortable conducting their personal business online. If they have not already, your bank's cardholders will soon demand interactive solutions to meet their evolving needs.
As a trusted credit card issuer you can take the lead in this new emerging technology with MyCardStatement.com - a secure Web site product that gives your cardholders access to current and past statements and a way to pay their bill via the Internet. Because it is important for your bank to be at the forefront of interactive account access, we will automatically set you up to receive this new product.
Card Information at Your Cardholders Hands
The Web pages of MyCardStatement.com include your bank's name and address and are backed by sophisticated firewalls and state-of-the-art encryption to assure account information is safe. Other security features such as masking all but the last four digits of the account number and user-defined passwords ensure that your cardholders can keep their personal spending and account information to themselves.
To access account data, cardholders can visit MyCardStatement.com or access it through a link from your bank's Web site. Once there, cardholders have access to their account history and can use the product's custom features to create a comprehensive tool to manage their expenses. Cardholders gain access to MyCardStatement.com the first time they use it by choosing their user name, password, and registering their e-mail information. They can also disable online access. Features include:
Account Summary
The Account Summary page gives cardholders a snapshot of their account balance, available credit, payment information, and credit limit at the date and time displayed. This screen can also provide all recent transactions that have not yet been billed.
Full Statement
In addition to their account summary, cardholders can also view 6 to 18 months of their credit card account history.
Bill Payment
The bill payment feature gives cardholders the ability to make credit card payments electronically direct from their checking or savings account.
Transaction Tracking
Cardholders can view transaction information, assign expense categories and add memos, which can be searched at a later time.
Reports
Cardholders can create customized reports.
Alerts
Cardholders can have MyCardStatement.com notify them when events occur by an e-mail alert.
Find Transactions
Cardholders can search statement information for specific transactions.
Download
Cardholders can download information to use with their own money management software.
Customer Service
MyCardStatement.com also includes important information to answer many cardholder questions. Cardholders can also research and dispute transactions if necessary.
Application
Are you interested in our credit card?
Just complete the form including your name, email address, phone number, and any questions or comments you have for us: