Visa® Credit Card Disclosures

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These Account Terms are true as of 11/1/16. Terms are subject to change. Should you have any questions regarding changes after printing date, please contact us.

How We Will Calculate Your Balance: We use a method called “average daily balance”, including new purchases.

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

(1) INTRODUCTORY INTEREST RATE (for new purchases, balance transfers and cash advances) — From the account-opening date, the introductory interest rate will be 0% APR FIXED FOR SIX MONTHS. Thereafter the rate will be the APR disclosed in the above “ACCOUNT TERMS" for the type of Visa credit card you obtain, based on the terms and conditions in the application. See full details of Account conditions and terms in the Bank Credit Card Agreement (“Agreement”) provided separately from the application and/or credit card at account opening.

(2) Visa ®  Classic ScoreCard, Visa Platinum ScoreCard-Merchandise and Visa Platinum ScoreCard-Cash Back are subject to a F/C of .83%, which is equal to an APR of 9.99%.

(3) WHEN INTEREST RATES BEGIN TO ACCRUE. All cash advances are subject to a FINANCE CHARGE from the date of the cash advance. 

(4)  How We Will Calculate Your Balance — Purchases are subject to a finance charge from the date they are posted to the account; however, no interest is imposed on purchases if the account balance is paid in full within 25 days after the statement closing date. If you elect not to pay the entire new balance shown on your previous monthly statement within that 25-day period, a finance charge will be imposed on the unpaid average daily balance of such Credit Purchases from the previous statement closing date and on new Credit Purchases from the date of posting to your account during the current billing cycle, and will continue to accrue until the closing date of the billing cycle preceding the date on which the entire new balance is paid in full or until the date of payment if more than 25 days from the closing date. The finance charge for a billing cycle is computed by applying the monthly periodic rate to the average daily balance of Credit Purchases, which is determined by dividing the sum of the daily balances during the billing cycle by the number of days in the cycle. Each daily balance of Credit Purchases is determined by adding to the outstanding unpaid balance of Credit Purchases at the beginning of the billing cycle any new Credit Purchases posted to your account, and subtracting any payments as received or credits as posted to your account, but excluding any unpaid finance charges.

(5) ScoreCard(SM) Bonus Point Program
Complete ScoreCard Bonus Point Program rules will be sent with your first statement. Rewards begin to accumulate after you have received and activated your new card. Points accrued will expire five years after they are earned. March 31 is the expiration date for points not redeemed within the previous five year period. For example, if a purchase is made November 11, 2015, the points will not expire until March 31, 2021.

Changes: We may add, change, or delete any of the terms of your account and the corresponding Credit Card Agreement (including, but not limited to, Annual Percentage Rate and other significant changes) in accordance with the agreement and applicable laws.


Important Information About Opening an Account

To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify and record information that identifies each person who opens an account.

When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may ask to see your driver's license or other identifying documents. We do not pull a credit report as part of our deposit account opening process. A credit report will only be pulled if you complete a separate application for a credit product.

* Do you intend to apply for Individual or Joint credit?

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Applicant
Applicant
Your personal information
* required field, Are you a US Citizen?
* required field, Current Housing Situation
Employer
Your current employer
Preferred Method of Contact
Income information
Your income information
Please choose which way you would like to enter your income:
Other Income

(Alimony, Child Support, or separate maintenance income need not be revealed, if you do not wish to have it considered as a basis for repaying this obligation.)

Other Gross Monthly Income

Income Type One
Income Type Two
Income Type Three
Add another
Income Type Four

Co-Applicant
Co-Applicant
Personal information
* required if Joint, Are you a US Citizen?
* required if Joint, Current Housing Situation
Employer
Current employer
Preferred Method of Contact
Income information
Income information
Please choose which way you would like to enter your income:
Other Income

(Alimony, Child Support, or separate maintenance income need not be revealed, if you do not wish to have it considered as a basis for repaying this obligation.)

Other Gross Monthly Income

Income Type One
Income Type Two
Income Type Three
Add another
Income Type One

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Your Credit Needs
* required field, Credit Cards

There are costs associated with the use of credit cards. Contact us to request specific information at
102 E 3rd St., Winona, MN 55987-3416
Telephone: (507) 457-1100 or
Toll free: (800) 944-6285

Current Monthly Payments
Current Monthly Payments
Are you a cosigner, endorser, or guarantor for anyone?

Credit Cards

Credit Card One
Credit Card Two
Credit Card Three
Add another
Credit Card Four
Add another
Credit Card Five
Financial References
Accounts and Services (with your bank)

Accounts & Services

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BY CLICKING SUBMIT, I AGREE:

The above information is given to obtain credit privileges. I (we) hereby authorize the obtaining of information concerning any statement made herein including checking my credit history. If you are approved for credit, you will receive a Card Agreement (“Agreement”) with your card. The Agreement will be binding on you unless you cancel your account within 30 days after receiving your card and you have not used or authorized use of your account. We may change the Agreement at any time in accordance with applicable law and the terms of the Agreement. Signers shall be jointly and severally liable. All credit will be reported as indicated by signatures.

EQUAL CREDIT OPPORTUNITY ACT

The Equal Credit Opportunity Act prohibits creditors from discriminating against applicants on the basis of race, color, religion, national origin, sex, marital status, age (provided the applicant has the capacity to enter into a binding contract); because all or part of the applicant’s income derives from any public assistance program; or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act.

We appreciate your business and will be in contact with you as soon as your application is processed!

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