Credit Cards

Credit Cards

Valued Customer Visa® Credit Card

Value...
  • Earn a 1.25% cash back rebate on card purchases
  • 0% APR 6-month introductory rate on purchases and balance transfers then a low regular rate of Prime + 8.99% APR
  • No annual fee 
  • 25-day grace period on purchases and 3-day fee waiver for late payments

Valued Customer
Get a 1.25% Cash Back Rebate!

Convenience...
  • Fast and easy application by mail, phone or online
  • Ability to view and pay your Visa account online with free Dollar Bank Online Banking
  • Visa checks to make purchases on your account where credit cards are not accepted and for balance transfers from other high interest credit cards
Peace of mind...
  • Auto rental collision damage waiver
  • Emergency card replacement and cash disbursement
  • Lost/stolen card reporting
  • Zero fraud liability
  • 24/7 Visa assistance center toll-free at 1-800-Visa-911
  • Optional Credit Life Insurance protects your family from the responsibility of up to $100,000 in credit card debt.*
  • Access to your account information 24/7 by calling 1-800-345-3655.

To request an application or apply over the phone, call 1-800-447-2823.

Please read the Dollar Bank Valued Customer Variable Rate Visa Credit Card disclosure information below.

Interest Rates and Interest Charges
Annual Percentage Rate (APR) for Purchases 0.00% APR Introductory Rate for the first 6 months.

After that, your APR will be 12.24%
This APR will vary with the market based on the Prime Rate.
APR for Balance Transfers 0.00% APR Introductory Rate for the first 6 months.

After that, your APR will be 12.24%
This APR will vary with the market based on the Prime Rate.
APR for Cash Advances 14.24%
This APR will vary with the market based on the Prime Rate.
Paying Interest Your due date is at least 25 days after the close of each billing cycle. We will not charge you interest on purchases or balance transfers if you pay your entire balance by the due date each month. We will begin charging interest on cash advances on the transaction date.
Minimum Finance Charge If you are charged interest, the charge will be no less than $0.50.
For Credit Card Tips from the Consumer Financial Protection Bureau To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore
Fees
Annual Fee None
Transaction Fees
  • - Balance Transfer


  • - Cash Advance


  • - Foreign Transaction
Either $5.00 or 1% of the amount of the transfer, whichever is greater, for the first six months. Then $5.00 or 3% of the transfer, whichever is greater. Maximum fee is $150.00. Either $5.00 or 3% of the cash advance, whichever is greater.

3% of the $US value of each transaction. $0.50 minimum.
Penalty Fees
  • - Late Payment


  • - Returned Payment
Up to $35.00


Up to $35.00
Information is current as of October 24, 2014 and may change thereafter. For details call 1-800-447-2823.

How We Will Calculate Your Balance: We use a method called "average daily balance" (including new purchases). See your account agreement for more details.

Loss of Introductory APR: We may end your introductory APR if your payment is more than 30 days past due. Your regular rate will then apply.

Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement.

Your APR may vary. The rate for purchases and balance transfers is determined by adding 8.99% to the Prime Rate. The rate for cash advances is determined by adding 10.99% to the Prime Rate. The Prime Rate is defined as the highest Prime Rate published in the Wall Street Journal on the 10th day of the calendar month prior to your billing cycle.

Cash Back Rebate Terms and Conditions

Rebates are calculated as 1.25% of net monthly purchases (total purchases less credit and returns), which will be displayed on Periodic Billing Statements as "Cash Back Rebate." The maximum rebate that can be accumulated in any calendar year is $500.
Open accounts that are not in default under this Agreement or otherwise restricted will accumulate rebates; however the Cash Back Rebate Amount must be at least $10.00 before a distribution will be made.
The rebate will be distributed semi-annually in January and July and will be based on the Periodic Statements in December and June. Accounts with rebate amounts of less than $10.00 or that are in default or otherwise restricted are not eligible for distributions. If an account is not eligible for a distribution for any reason in one distribution period, the accumulated rebates will carry over to the next period. If an account is closed for any reason, all accumulated Cash Back Rebates for that account will be forfeited. The account holder is responsible for any taxes on Cash Back Rebates. Dollar Bank reserves the right to cancel or otherwise change the terms applicable to the Cash Back Rebate program at any time with 30 days prior written notice.


* Must be under age 66 to purchase Credit Life Insurance.
 

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