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 12.74%. (This APR will vary with the market based on the Prime Rate.)
0% introductory APR for 6 months.
After that, your APR will be 12.74%. (This APR will vary with the market based on the Prime Rate.)
14.74%. (This APR will vary with the market based on the Prime Rate.)
20.74%.
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 4% of the amount of each cash advance
3% of each transaction in U.S. dollars

None

None

$25.00

$25.00

$10.00

$25.00

$25.00

$10.00

$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, November 2019. 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 

 19-BWPS-37801 REV 11/19