R
UNITED
United Natural Choice VISA
BANK
@ your service™
UNITED
BANK
The United
Natural Choice Visa
The introductory 6.99% annual percentage rate is good for six months.
United's Rebate Program earns 1% rebate on VA, WV, MD, OH and DC purchases.
There's no annual fee, and no minimum interest charge. Period.
There's no transaction fee for purchases.
Plus, you have a full 25-day grace period in which to repay your total balance before incurring any interest
charges on purchases.
Customer Service - United's Online Credit Card Service provides access to your credit card information
24/7. Monitor your account activity, view transactions, make payments online and much more!
Pay Ahead Feature - Payment in excess of the Minimum Monthly Payment may eliminate or reduce your
minimum monthly payment. See cardholder agreement for more details.
DID YOU KNOW YOUR UNITED CREDIT CARD COMES WITH AROUND-THE-CLOCK PROTECTION
AGAINST FRAUD? - Your card is protected by a fraud monitoring system that uses sophisticated technologies
that seeks out and identifies suspicious card activity on your behalf.
The wide variety of benefits provided by your card are more fully explained in the cardholder agreement and brochures that will arrive with your
new card.
IMPORTANT INFORMATION WHEN TRAVELING OUTSIDE THE UNITED STATES
If you plan to travel outside the U.S., please contact a bankcard representative at 1.800.242.7600.
For security reasons, some foreign countries may be blocked or have certain restrictions.
Important Information About Procedures For Opening A New Account
To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions
obtain, verify, and record information that identifies each person who opens an account or requests a loan. What this means for you:
When you open an account or request a loan, we will ask for your name, address, date of birth, and other information that will allow us
to identify you. We may also ask to see your driver's license or other identifying documents. We may ask our established customers
for identification and we will use this information to update our files.
Member FDIC
EQUAL HOUSING
Page 1
LENDER
UNITED
United Natural Choice VISA
BANK
@ your service™
Your choice regarding over-the-credit limit coverage.
Unless you tell us otherwise, we will decline any transaction that causes you to go over your credit limit. If you
want us to authorize these transactions, you can request over-the-credit limit coverage.
If you have over-the-credit limit coverage and you go over your credit limit, we will charge you a fee of 2% of
your credit limit, with a maximum fee of $10. You will only pay one fee per billing cycle, even if you go over
your limit multiple times in the same cycle.
Even when you request over-the-credit limit coverage, in some cases, we may still decline a transaction that
would cause you to go over your limit, such as if you are past due or significantly over your credit limit.
If you want over-the-limit coverage and want to allow us to authorize transactions that go over your credit limit,
please:
Call us at 1.800.242.7600
Visit www.bankwithunited.com; or
Please check the appropriate box below, and return the form to us at United BankCard Department,
PO Box 1382, Parkersburg WV 26102-9901
I want over-the-limit coverage. I understand that if I go over my credit limit, | will be charged a fee of
2% of my credit limit, with a maximum fee of $10. I understand I have the right to cancel this coverage at
any time.
I do not want over-the-limit coverage. I understand that transactions that exceed my credit limit will not
be authorized.
Printed Name:
Credit Card Number:
Signature:
Date:
Please return this form to United BankCard Department, PO Box 1382, Parkersburg, WV 26102-9901.
Page 2
UNITED
Apply for your Natural Choice Credit Card today!
BANK
Present Account # (if applicable) #
*Please complete application for these requests.
*New Account
*Please increase my credit limit to $
*Please add co-applicant as shown on application.
Name change from
to
*Other
Social
Name
Birthdate
Security#
Physical
Years at this
Home
Address
City
State
Zip
Address
Phone
Mailing Address
(If different than
Physical Address)
E-mail Address:
Cell Phone:
Residence:
Landlord/
Mortgage
Monthly
Number
Own
Rent
With Parents
Holder
Payment $
of Dependents
How
Bus.
Employer
Long
Yrs:
Mo:
Phone
Employer's
Your
Address
City
State
Zip
Position
Name of
Nearest Relative
Not Living with You
Relationship
Phone
Address of
Mother's
Nearest Relative
Maiden
Not Living with You
City
State
Zip
Name
Social
Name
Birthdate
Security#
Physical
Years at this
Home
Address
City
State
Zip
Address
Phone
Mailing Address
(If different than
Physical Address)
E-mail Address:
Cell Phone:
Residence:
Landlord/
Mortgage
Monthly
Number
Own
Rent
With Parents
Holder
Payment $
of Dependents
How
Bus.
Employer
Long Yrs:
Mo:
Phone
Employer's
Your
Address
City
State
Zip
Position
Name of
Nearest Relative
Not Living with You
Relationship
Phone
Address of
Mother's
Nearest Relative
Maiden
Not Living with You
City
State
Zip
Name
Applicant
Co-Applicant
Gross Monthly Salary:
Gross Monthly Salary:
Social Security Income:
Social Security Income:
Retirement Income:
Retirement Income:
Other Income:
Source:
Other Income:
Source:
TOTAL INCOME:
TOTAL INCOME:
Alimony, child support, or separate maintenance income need not be revealed if applicant or co-applicant does not wish it considered as a source for repaying this obligation.
Everything that I have stated in this Application is correct to the best of my knowledge. I understand that you will retain this Application whether or not it is approved. You are authorized to check my credit
and employment history and to answer questions about your credit experience with me. If the account is individual I hereby agree that if my Application is granted, the account opened in my name will be for
my sole benefit and use and no other person will be permitted to use said account or card issued pursuant thereto.
Applicant
Signature
(Seal)
Date
Co-Applicant
Signature
(Seal)
Date
To apply, simply complete and mail pages 2 and 3 to United BankCard Department, PO Box 1382, Parkersburg, WV 26102-
9901. If approved, your United Credit Card will be mailed to you in two to three weeks! Be sure to call us at 1.800.242.7600 if you
have any questions.
Page 3
UNITED
BANK
United's Natural Choice Credit Card
INTEREST RATE AND FEE DISCLOSURES
Interest Rates and Interest Charges
Annual Percentage Rate
6.99% introductory APR for the first six billing cycles following account opening. After that,
(APR) for Purchases
your APR will be
9.50%.
This APR will vary with the market based on the prime rate.*
APR for Balance
6.99% introductory APR for the first six billing cycles following account opening. After that, your
Transfers
APR will be 9.50%. This APR will vary with the market based on the prime rate.*
APR for Cash Advances
6.99% introductory APR for the first six billing cycles following account opening. After that, your
APR will be 9.50%. This APR will vary with the market based on the prime rate.*
Penalty APR
None
Paying Interest
Your due date is at least 25 days after the close of each billing cycle. We will not charge you
interest on purchases if you pay your entire balance by the due date each month. We will begin
charging interest on cash advances and balance transfers on the post date.
Minimum Interest
There is no minimum interest charge.
Charge
For Credit Card Tips
To learn more about factors to consider when applying for or using a credit card, visit the
from the Consumer
website of the Consumer Financial Protection Bureau at
Financial Protection
Bureau
http://www.consumerfinance.gov/learnmore.
Fees
Annual Fee
None
Transaction Fees
Balance Transfer
None
Cash Advance
Either $5 or 1 1/2% of each cash advance, whichever is less
Foreign Transaction
None
Penalty Fees
Late Payment
5% of the Minimum Monthly Payment, not to exceed $15.00.
Over-the-Credit Limit
Either $10 or 2% of your credit limit, whichever is less
Returned Payment
$15
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 credit
card agreement.
*Variable rate information - After the first six months of the account, your Annual Percentage Rate may vary. The rate will
be determined by adding a margin of 6.00 percentage points to the Prime Rate published in The Wall Street Journal on the
15th day of the calendar month immediately preceding the start of that quarter.
Card Replacement Fee - 24 Hours $25.00, 3-5 days $10.00, 7-10 days None
Research Fees - $15.00 per hour, $3.00 per copy
Retrieval Fee - $25.00
The information about the costs of the card described in this application is accurate as of April 2016. This information may have changed after that date. To find out what may have changed, write
us at 514 Market Street, Parkersburg, WV 26101 or call us at 304.295.3461 or 1.800.242.7600. NEW HAMPSHIRE RESIDENTS: If you wish, we will remove your name from our marketing lists
for future mailings. To have your name removed, write us at Credit Card Plan, P.O. Box 637, Bridgeport, Connecticut 06601-0637. OHIO RESIDENTS: The Ohio laws against discrimination
require 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. NEWYORK RESIDENTS: Consumer reports may be requested in connection with the processing of your application and any
resulting account. Upon your request, we will inform you of the names and addresses of any consumer reporting agencies that have provided us with such reports. New York residents may contact the
New York State Banking Department at 1.800.518.8866 to obtain a comparative listing of rates, fees, and grace periods. MARRIED WISCONSIN RESIDENTS: No agreement, court order, or
individual statement applying to marital property will adversely affect our rights with respect to your credit card account, unless you provide us now with a copy of, or complete information about, the
agreement, order, or statement or unless we have actual notice of it.
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