Credit cards are issued by First BankCard, a division of First National Bank of
Omaha, pursuant to a license from VISA U.S.A. Inc.
In order to keep these rates, you must make payments when due, stay within your
credit limit (not applicable to signature) and not have any payments dishonored
for any reason or penalty rate of 29.99% will go into effect. Introductory rates
do not apply to cash advances.
Save even more with a low introductory balance transfer fee of 3% for the first
12 billing cycles (minimum $10). After that, a balance transfer fee of 5% applies
to each balance transfer that you make (minimum $10).
First BankCard reserves the right to change the account terms should your credit
profile change or for other reasons described in the Summary of Credit Terms. All
changes in terms will be subject to the requirements of applicable law. Offer
applies to new accounts only. Payments on your account may be applied in the order
we select, subject to applicable law.
1 See the Rewards Terms and Conditions in the Summary of Credit
2 For additional information about Annual Percentage Rates (APRs),
fees and other costs, please see the Summary of Credit Terms.
3 Complete program details, including restrictions, limitations and
exclusions will be provided when you become a Cardmember.
4 Visa's Zero Liability policy covers U.S. issued cards only and
does not apply to ATM transactions, PIN transactions not processed by Visa or certain
commercial card transactions. Cardholder must notify issuer promptly of any unauthorized use.
Consult issuer for additional benefits or visit www.visa.com/security.
5 A monthly fee of $2 will be applied to Broncho Select Club checking
accounts enrolled in iManage Personal Banking® that choose to
receive paper statements.