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West Suburban Bank Visa® Low Rate/Visa® Rewards

Interest Rates and Interest Charges

Annual Percentage Rate
(APR) for Purchases
13.24% to 22.24% VISA LOW RATE
15.24% to 24.24% VISA REWARDS
This APR will vary with the market based on the Prime Rate.
APR for Balance Transfers 13.24% to 22.24% VISA LOW RATE 15.24% to 24.24% VISA REWARDS
This APR will vary with the market based on the Prime Rate.
APR for Cash Advances 13.24% to 22.24% VISA LOW RATE 15.24% to 24.24% VISA REWARDS
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 any interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on Cash Advances (including checks that can access your credit card account) and Balance Transfers on the transaction date.
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/credit-cards/
Fees
Annual Fee None
Transaction Fees
Cash Advance Either $10.00 or 4.00% of the amount of each advance, whichever is greater.
Convenience Check Either $10.00 or 4.00% of the amount of each advance, whichever is greater.
Balance Transfer Either $5.00 or 3.00% of the amount of each transfer, whichever is greater.
Penalty Fees
Late Payment Up to $29.00 for any payment not received by the due date.
Returned Payment Up to $29.00 for any payments returned unpaid.
Other Fees 
Duplicate Statement $5.00

How We Will Calculate Your Balance: We use the Average Daily Balance method (including new transactions).

Prime Rate: The APR may vary monthly based on changes in the Prime Rate announced and published from time to time in The Wall Street Journal.

Disclosure:

Terms are subject to credit approval.
The APRs and disclosure terms are accurate as of November 28, 2021. Terms are subject to change after this date. Contact West Suburban Bank at 1-800-258-4009 for any possible changes in information disclosed. Click here to learn more about our Visa Credit Card options.


West Suburban Bank Visa® Business

Interest Rates and Interest Charges

Annual Percentage Rate
(APR) for Purchases
15.24% VISA BUSINESS
This APR will vary with the market based on the Prime Rate.
APR for Balance Transfers 15.24% VISA BUSINESS
This APR will vary with the market based on the Prime Rate.
APR for Cash Advances 15.24% VISA BUSINESS
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 any interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on Cash Advances (including checks that can access your credit card account) and Balance Transfers on the transaction date.
Fees
Annual Fee None
Transaction Fees
Cash Advance Either $10.00 or 4.00% of the amount of each advance, whichever is greater.
Convenience Check Either $10.00 or 4.00% of the amount of each advance, whichever is greater.
Balance Transfer Either $5.00 or 3.00% of the amount of each transfer, whichever is greater.
Penalty Fees
Late Payment $29.00 for any payment not received by the due date.
Returned Payment $29.00 for any payments returned unpaid.
Other Fees 
Duplicate Statement $5.00

How We Will Calculate Your Balance: We use the Average Daily Balance method (including new transactions).

Prime Rate: The APR may vary monthly based on changes in the Prime Rate announced and published from time to time in The Wall Street Journal.

Disclosure:

Terms are subject to credit approval.
The APRs and disclosure terms are accurate as of November 28, 2021. Terms are subject to change after this date. Contact West Suburban Bank at 1-800-258-4009 for any possible changes in information disclosed

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