FirstBank & Trust
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Unsecured Credit Cards

There are times when you need access to additional funds, whether it be for a family emergency or a large purchase. Our unsecured credit cards give you access to additional funds without substantial penalties or changing interest rates.

  • Low annual percentage rate (APR) of 7.99% 
  • Interest rates won't go up due to missed or late payments
  • Low late fees
  • No annual fee
  • Earn bonus points redeemable for free gifts and travel rewards

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See disclosures for unsecured credit cards.

CONSUMER CREDIT CARD DISCLOSURES 
INTEREST RATE AND INTEREST CHARGES
 
Annual Percentage Rate (APR) for Purchases 7.99% Fixed
 
APR for Balance Transfers 7.99% Fixed
 
APR for Cash Advances 9.99% Fixed
   
How to Avoid Paying Interest on Purchases Your due date is at least 25 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. We will begin charging interest on cash advances and balance transfers on the transaction date.
Minimum Interest Charge If you are charged interest, you will be charged no less than $1.
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   None
   Cash Advance   Either $3.00 or 3% of the amount of each cash advance, whichever is greater.
Penalty Fees      
  Late Payment   Up to 37.00 if the minimum payment is not received within 10 days of the payment due date
   
  Returned Payment   Up to $30.00
 
Other Fees      
  Research   $25 per hour ($25 Minimum)
   Copies   $2 per item
How we will Calculate your Balance:  We use a method called "average daily balance (including new purchases)."  See your account agreement for more details.
 
Billing Rights:  Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement.
 

Payment made when any "Introductory APR" is in effect will be credited first to the Introductory Plan prior to applying to any other balance.

Bonus Point Program: Earn Bonus Points redeemable for FREE gift and Travel Awards!  Simply use your FirstBank and Trust Credit Card and start earning today. Bonus points are reported on your monthly card statement. To find out how the plan works, ask one of our representatives or visit http://www.scorecardrewards.com for more information.


Secured Credit Cards

You can now establish or rebuild your credit history with the FirstBank Visa Secured Card.

The FirstBank Visa Secured Card can be used wherever Visa credit cards are accepted. All it requires is a security deposit held as a Collateral Account. Your credit limit equals the amount of money in your Collateral Account. Your purchases are billed to you each month and you are responsible for making at least the minimum monthly payment. The payments are not deducted from your Collateral Account.

As a cardholder, your account performance is reported to major Credit Bureaus. When you’ve managed all of your credit obligations responsibly and consistently for 24 months, you could be well on your way to a stronger credit standing.

  • Annual percentage rate (APR) of 12.99%+
  • Annual fee of $29.00
  • Earn bonus points redeemable for free gifts and travel rewards

See disclosures for secured credit cards.

INTEREST RATE AND INTEREST CHARGES
 
Annual Percentage Rate (APR) for Purchases 12.99% Fixed
 
APR for Balance Transfers 12.99% Fixed
 
APR for Cash Advances 12.99% Fixed
   
Penalty APR and When it Applies 17.99% Fixed
  This APR may be applied to your account if you make a late payment.
  How long will this APR apply? 
  If an APR is increased for a late payment, the Penalty APR may apply indefinitely for future transactions.  If we do not receive any Minimum Payment within 60 days of the date due, the Penalty APR will apply to all outstanding balances and future transactions on your Account. If we receive six consecutive Minimum Payments when due, beginning immediately after the increase, your APR will return to the Standard APR.
   
How to Avoid Paying Interest on Purchases Your due date is at least 25 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. We will begin charging interest on cash advances and balance transfers on the transaction date.
   
Minimum Interest Charge     If you are charged interest, the charge will be no less than $1.00.
   
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 $29.00
Transaction Fees  
  Balance Transfer   None
  Cash Advance   Either $3.00 or 3% of the amount of each cash advance, whichever is greater.
Penalty Fees  
  Late Payment   Up to 37.00 if the minimum payment is not received within 10 days of the payment due date
         
  Returned Payment   Up to $30.00
 
Other Fees      
  Research   $25 per hour ($25 Minimum)
   Copies   $2 per item
How we will Calculate your Balance:  We use a method called "average daily balance (including new purchases)."  See your account agreement for more details.
 
Billing Rights:  Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement.
 

Payment made when any "Introductory APR" is in effect will be credited first to the Introductory Plan prior to applying to any other balance.

Bonus Point Program: Earn Bonus Points redeemable for FREE gift and Travel Awards!  Simply use your FirstBank and Trust Credit Card and start earning today. Bonus points are reported on your monthly card statement. To find out how the plan works, ask one of our representatives or visit http://www.scorecardrewards.com for more information.

 

*FirstBank unsecured and secured credit cards are subject to credit approval.

+Penalty rate may apply when payments on secured credit card are late.

 

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