Rates and Fees Table for UMB Visa Secured Credit Card Accounts 

PLEASE NOTE that this information is provided for general information purposes only and is not specific to your Account. 
See the Cardholder Agreement and Important Cost Information disclosure that was provided for your Account for more 
detailed information. This information is accurate as of July 1, 2021.  

Interest Rates and Charges 

Annual Percentage Rate (APR) for 
Purchases 

19.99%. This APR will vary with the market based on the Prime Rate. This APR 
will not exceed 32.00%. 

APR for Cash Advances 

24.99%. This APR will vary with the market based on the Prime Rate. The APR will 
not exceed 32.00%. 

Paying Interest 

Your due date is at least 21 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. Generally, we will begin charging interest on Cash Advances and Balance 
Transfers on the transaction date. 

Minimum Interest Charge 

For Credit Card Tips from the 
Consumer Financial Protection 
Bureau 

If you are charged interest, the charge will be no less than $0.50. 
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://consumerfinance.gov/learnmore. 

Fees 

Annual Fee 

Transaction Fees 

•  Cash Advance 

Penalty Fees 

•  Late Payment 

$29 

Three percent (3%) of the amount of the Cash Advance, with a $15 minimum and a 
$50 maximum. 

The greater of five percent (5%) of the minimum payment due or $15. 

•  Returned Payment 

$25 

How We Will Calculate Your Balance: We use a method called the “average daily balance (including new purchases).”  
How We Determine APRs: The Purchase and Cash Advance APRs are determined by adding a Margin to the Prime Rate. The Prime Rate is the highest Prime 
Rate published in The Wall Street Journal Money Rates table on the fifteenth (15th) day of each month, or the next business day, if the 15th falls on a weekend 
or holiday. The APR for Purchases and Cash Advances will not exceed 32.00%. 
Margin: We will add 16.74% to the Prime Rate to determine the APR for Purchases. We will add 21.74% to the Prime Rate to determine the APR for Cash 
Advances. 
Cardholder Agreement: For additional information about the costs and terms of the Account, see your Cardholder Agreement, which will be sent with the Card. 
The Cardholder Agreement and the Account will be governed by Missouri and applicable federal law, but we will rely on the provisions of Nebraska law with 
respect to the fees and charges (other than interest) that apply to your Account, as authorized by Missouri Revised Statutes Section 408.145. The Cardholder 
Agreement permits us to change the terms of this Account, including the rates, fees and other credit terms, upon notice to cardholder and subject to the 
provisions of applicable law. 
Notice to Young Applicants: If you are under 21 years of age, Federal law prohibits us from approving your application for a credit card unless you 
demonstrate that you have the independent ability to make the required payments on your account, or unless you provide a guarantor or cosigner. The 
guarantor or cosigner must be acceptable to us and must sign our form of guaranty agreement. 
Important Information About Procedures For Opening A New Account: Our bank complies with Section 326 of the USA PATRIOT Act. This law mandates 
that we collect and verify certain information about you while processing your Account application. Please talk with a Bank representative if you have questions. 
State Disclosures: (1) MARRIED WISCONSIN RESIDENTS: You agree that (a) no provision of any marital property agreement, unilateral statement under the 
Wisconsin Marital Property Law or court decree will adversely affect our interests unless, prior to the time credit is granted, we are given a copy of the 
agreement, statement, or decree or we have actual knowledge of the adverse provision. (2) CALIFORNIA RESIDENTS: An applicant, if married, may apply for 
a separate account. Applicants: (1) may, after credit approval, use the credit card account up to its credit limit; (2) may be liable for amounts extended under the 
plan to any joint applicant. As required by law, you are hereby notified that a negative credit report reflecting on your credit record may be submitted to a credit 
reporting agency if you fail to fulfill the terms of your credit obligations. (3) OHIO RESIDENTS: The Ohio laws against discrimination require that all creditors 
make credit equally available to all credit worthy 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. (4) NEW YORK RESIDENTS: New York residents may contact the New York 
State Department of Financial Services by telephone or visit its website for free information on comparative credit card rates, fees and grace periods. NY State 
Dept of Financial Services: 1-800-342-3736 or visiting https://www.dfs.ny.gov/consumers/banking_money/credit_card_terms_and_fees (5) NEW YORK AND 
VERMONT RESIDENTS: We may obtain your credit reports, for any legitimate purpose associated with the account or the application or request for an account, 
including but not limited to reviewing, modifying, renewing and collecting on your account. On your request, you will be informed if such a report was ordered. If 
so, you will be given the name and address of the consumer reporting agency furnishing the report. (6) DELAWARE AND OREGON RESIDENTS: Service 
charges not in excess of those permitted by law will be charged on the outstanding balances from month to month. You may pay more than the minimum 
payment due, up to your entire outstanding balance, at any time. 
Important: Information about the costs of credit cards as shown in the Important Cost Information chart is accurate as of July 1, 2021, the date this 
document was printed. This information may have changed after that date. To find out what may have changed, call us at 855.368.0410 or write to us 
at UMB Bank, n.a., P.O. Box 419734, Kansas City, Missouri 64141-6734.