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West Bank offers two credit card options that will save you money and provide you with exciting benefits! And we're offering a
0% introductory rate on purchases and balance transfers for four months with either card.
Low-Rate Visa Classic
- Competitive interest rate with APR* as low as 9.95%!
- Pay no first year fee and no annual fee ever when you use your card at least four times per year!
Platinum Visa Rewards
- Competitive interest rate with APR* as low as 10.95%!
- Turns everyday purchases into points towards your choice of:
- Gift certificates to major retailers
- Merchandise from brand-name manufacturers
- A variety of travel and airline options
Summary of Card Account Terms
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Classic Visa |
Visa Platinum Rewards |
| Introductory Rate |
The introductory rate will be 0% Annual Percentage Rate (APR) for 120 days after account opening for purchases and balance transfers2 |
| Annual Fee |
None the first year and every year thereafter if at least four purchases per year are made. Otherwise, $20 |
| Annual Percentage Rate (APR) for Purchases and Balance Transfers2 |
The introductory rate will be 0% Annual Percentage Rate (APR) for 120 days. Thereafter a variable of: |
| 9.95% |
10.95% |
| Other APRs |
Your Rate May Vary. VariablePrimeRate1 +5.95%, adjusted semi-annually |
Your Rate May Vary. VariablePrimeRate1 +6.95%, adjusted semi-annually |
| Cash advances receive a Prime Rate1 +11.95% (Currently 19.20%) |
| Grace Period for Cash Advances |
None |
None |
| Grace Period |
No finance charge will be assessed on purchases if payment is received in full within 25 days of the prior billing period closing date |
| Method for Computing Balances for Purchases |
Average daily balance method (including new purchases) |
| Minimum or Fixed Finance Charge |
$0.50 Minimum Finance Charge |
| Other Fees |
Returned Check Fee: $15
Late Payment Fee: $15
Overlimit Fee: $15 |
1The Prime rate used to determine your APR is a variable rate adjusted semi-annually based on the highest prime rate as published in the Wall Street Journal, Midwest Edition, on the 2ndTuesday of December and June, with the rate change to take effect on the first of the following month.
2Transferring of balances from your existing MasterCard or Visa processor does not close the pre-existing account. To close any existing MasterCard or Visa accounts, you must contact the provider.
State laws require the following notices: California Residents: Married applicants may apply for separate credit. New York Residents: May contact the New York State Banking Department at 1-800-518-8866 to obtain a comparative listing of credit card rates, fees, and grace periods. Ohio Residents: The Ohio law against discrimination requires that all creditors make credit equally available to all creditworthy customers, and that credit reporting agencies maintain separate credit histories on each individual upon request. The Ohio Civil Rights Commission administers compliance with this law. Married Wisconsin Residents: No provision of any marital property agreement, unilateral statement, or court order applying to marital property will adversely affect a creditor’s interests unless prior to the time credit is granted, the creditor is furnished with a copy of the agreement, statement or court order, or has actual knowledge of the provision. In addition, you must send us the name and address of your spouse within 15 days to Bancard Center, P.O. Box 870, Moline, IL 61265, so that we can provide your spouse with a disclosure required under Wisconsin law. Illinois Residents: Contact the Illinois Commissioner of Banks and Trust Companies for comparative information on interest rates, charges, fees, and grace periods. Telephone 1800-643-5452. Address: State of Illinois CIP, P.O. Box 10181, Springfield, IL 62791.
The information described in this Statement of Terms is accurate as of 7/1/2005 and may change after that date.To find out what may have changed, contact us at 877-923-3177 or P.O. Box 870, Moline, IL 61265.
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Important Information About Procedures for Opening a New Account