PERSONAL CREDIT CARD DISCLOSURE – VISA® 

FEATURE 

VISA® PLATINUM REWARDS 

VISA SIGNATURE® 

VISA SIGNATURE® 
PRIVATE BANKING 

INTEREST RATES AND INTEREST CHARGES 

Annual Percentage Rate 
(APR) for Purchases 

APR for Balance Transfers 

APR for Cash Advances 

Penalty APR and When 
it Applies 

0% introductory APR for 6 months. 
After that, your APR will be 11.24%. (This APR will vary with the market based on the Prime Rate.) 
0% introductory APR for 6 months. 
After that, your APR will be 11.24%. (This APR will vary with the market based on the Prime Rate.) 
13.24%. (This APR will vary with the market based on the Prime Rate.) 
19.24%. 
This APR may be applied to your account if you are more than 60 days late in making your required monthly 
Minimum Payments. This APR will vary with the market based on the Prime Rate. 

How Long Will the Penalty APR Apply? If your APRs are increased for the reason above, the Penalty APR will apply until 
you make six (6) consecutive minimum payments when due. 

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 any interest on purchases if you 
pay your entire balance by the due date each month. 

Minimum Interest Charge 

For Credit Card Tips from 
the Consumer Financial 
Protection Bureau 

FEES 

Annual Fee 

Transaction Fees 
Balance Transfer 

Cash Advances 

Foreign Transaction 

Penalty Fees 
Late Payment 

Returned Payment 

Other Fees 
Overdraft Protection Transfer 

If you are charged interest, the charge will be no less than $1.00. 
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. 

None 

None 

None 

4% of the amount of each transfer 
4% of the amount of each cash advance 
3% of each transaction in U.S. dollars 

None 
4% of the amount of each cash advance 
3% of each transaction in U.S. dollars 

$25.00 

$25.00 

$10.00 

$25.00 

$25.00 

$10.00 

None 
4% of the amount of each cash advance 

None 

$25.00 

$25.00 

None 

How We Will Calculate Your Balance 

We use a method called “average daily balance (including new purchases).” See your account agreement for more details. 

Loss of Introductory APR 

We may end your introductory APR and apply the Penalty APR if you are more than 60 days late in making your required monthly payment. 

Billing Rights 

Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement. All Annual Percentage Rates (APRs) are based on 
the Prime Rate or Index Rate in effect as of the date of publication, April 2020. This information may have changed after that date. To find out what may have changed, call us at 
800.788.4578 or write us at P.O. Box 2127, Spokane, WA 99210-2127. 

Cash Advances 

If you use your account for overdraft protection, we will automatically transfer funds from your account (up to your credit limit) in increments of $10 to cover an overdraft. 
The amount transferred is subject to the cash advance interest rate and interest will begin to accrue immediately upon transfer. 

Department of Defense Consumer Credit Disclosure 

Federal law provides important protections to members of the Armed Forces and their dependents relating to extensions of consumer credit. In general, the cost of consumer 
credit to a member of the Armed Forces and his or her dependent may not exceed an annual percentage rate of 36 percent. This rate must include, as applicable to the credit 
transaction or account: the costs associated with credit insurance premiums; fees for ancillary products sold in connection with the credit transaction; any application fee charged 
(other than certain application fees for specified credit transactions or accounts); and any participation fee charged (other than certain participation fees for a credit card account). 

My payment obligation for my loan is as follows: My payment schedule will be monthly with a minimum payment of 3% of the total balance or $10, whichever is greater. 
I may call 855-682-0794 Toll-Free to receive the contents of this disclosure orally. 

watrust.com  · 800.788.4578 · Member FDIC 

 20-BWPS-75025  REV 04/20