Your due date is at least 25 days after the close of each billing cycle. We will not charge you interest on retail purchases or check transactions if you pay your entire balance by the due date. We will begin charging interest on cash advances on the transaction date. We do not offer balance transfers.
Minimum Interest Charge
None
For Credit Card Tips from the Federal Reserve Board
To learn more about factors to consider when applying for or using a credit card, visit the web site of the Federal Reserves Board at http://www.consumerfinance.gov/learnmore.
Fees
Visa®
Annual Fee
None
Transaction Fees
Check Transactions
Cash Advances
Foreign Transaction
None
2.0% of the amount advanced - $10 maximum
None
Penalty Fees
Late Payment - This fee may increase or decrease as permitted pursuant to Indiana code section 24-4.5-1-106 and 24-4.5-3-230.5
Up to $25.00
Over-the-Credit-Limit
Returned Payment
None
Up to $20.00
Other Fees
Replacement Card Fee
$20.00
How We Will Calculate Your Balance: We use a method called "average daily balance" (excluding new purchases).* An explanation of this method is provided in your account agreement.
Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement.
