Annual Percentage Rate (APR)
for Purchases
APR for Cash Advances
How to Avoid Paying Interest 
on Transactions

29.9%
29.9%
Your due date is at least 25 days after the close of each billing cycle. We will not 
charge you interest on transactions if you pay your entire balance by the due date 

FNMXCLMF-D-0 19(AFTI)

Bureau

Fees

Annual Fee
Authorized User Fee

Transaction Fees
Cash Advance

Penalty Fees

Late Payment
Returned Payment

$20 annually (an optional fee if you add an additional cardholder to your account)

2% of each cash advance

Up to $25
Up to $25

How We Will Calculate Your Balance: 
Account by applying the periodic rate to the amount you owe at the end of each billing cycle (including new purchases, cash 
advances and fees) and deducting payments and credits made during the billing cycle.

Terms and Conditions

Legacy Visa Credit Card Important Information: Please take the time to read and save.

PRESCREEN & OPT-OUT NOTICE:

name, address, date of birth and other information that will allow us to identify you.

Qualify For Future Unsecured Credit: Initially, you will be issued a Visa® with at least a $350 credit limit, up to a maximum 
of  $2,500.  If  you  make  all  your  payments  on  time,  meet  our  debt-to-income  requirements,  keep  your  account  in  good 

Privacy: Financial companies choose how they share your personal information. Federal law gives consumers the right to limit 

We do not share your personal information except as permitted by law to process your transactions, maintain your account(s), 

will provide a complete privacy notice when your account is approved. If you would like a copy of our privacy notice, you may 

Electronic Communication: By providing your email address, you are authorizing us to communicate with you at this email 
address.

Authorization / Notices:
provide to us is true and correct.

Credit Reports:
future, for any legitimate business purpose associated with the account or request for an account, including but not limited 
to reviewing, modifying, renewing or collecting on your account. We may report information about your account to credit 

and each authorized user agree that we may report account information to credit reporting agencies in the names of both 
you and the authorized user(s).

car rentals and entertainment. The cost of this program is $4.95 per month and is included on your billing statement. You may 
request cancellation at any time by telephone at 877-827-5828 or writing The PREMIUM Club at PO Box 84634, Sioux Falls, 

PREMIUM Club is a service mark of CAPITAL Enhancement Services, LLC. All rights reserved. 
© 2019, CAPITAL Enhancement Services, LLC.

National Bank to eligible credit card members.  Whether or not you purchase the Payment Protection Plan will not 
.  Upon 
enrollment, we will give you additional information before you are required to pay for the Payment Protection Plan. This 

cost is $.89 per $100 of ending balance.  Payment Protection Plan fees will be automatically charged to your account each 
month.

a maximum of $5,000.  You must be enrolled in the Payment Protection Plan for at least 30 days before your claim occurs.  

monthly payment up to 18 months per event.  To qualify for unemployment and disability protection, you must work at least 

30 hours per week for at least 6 months before the loss.  Disability coverage excludes pre-existing conditions for 12 months 
prior to enrollment, excludes normal pregnancy and excludes childbirth. Military leave applies if you are called to active duty.  

First National Bank may cancel the Payment Protection Plan at any time including, but not limited to, if the account is in 

contract has limits and may not cancel your entire balance or entire monthly payment.  You are responsible for any amounts 
past due or any amounts over your credit limit before your date of loss.

Please read this contract carefully. Your credit card account is governed by this contract. You become bound by the terms of 
this contract when you sign your application. In the contract, “bank,” “we,” “our” and “us” refer to First National Bank (Ft. Pierre, 
SD) and we are the creditor named in the application you signed. “You,” “your” and “applicant” are the person(s) who applied 
to us for the account. “Contract” means the terms and conditions outlined in this contract. “Account” means the credit card 
account we open for you to use to access the credit we extend to you. “Credit limit” means the maximum account balance you 
can have at any time.

. 

 You are responsible for the balance on the account and you agree to pay the 
balance under the terms of this contract. You need to sign the back of the card. You need to protect and control the card 
by not letting any other person use it. If you let another person use it, you agree to be responsible for any charges they 
make. We may let you add an authorized user to your account. An authorized user is any person you give permission to 
use the card or your account. If you add an authorized user, you agree to pay for any charges they make as well as any 
related fees or interest. If you do not pay for the charges made by the authorized user, we may choose to collect directly 
from them. If you want to remove an authorized user from your account, you need to get the card from them and notify 
us. If you cannot get the card, contact us immediately and we will close the account to try to stop further charges. The 
cards remain our property and you agree to return them at our request or we have the right to have a merchant keep the 
card and return it to us. If your card is lost or stolen or you suspect unauthorized use of your account, you agree to notify 
us immediately.

2. 

 You can use the card and your account to make charges. We can close or 
suspend the account at any time for any reason including if the activity on your account appears suspicious, if we are 
concerned about repayment or if the balance is over the credit limit. We can also limit the number or amount of charges 

to use ATMs to obtain cash advances. The minimum cash advance is $20.00. Your card and account cannot be used for 
illegal charges. You may not use your card in connection with any gambling transaction.

.  Your Credit Limit: The credit limit is included in the information sent with your card and on your statements. You may 
not go over your credit limit at any time. If your balance is more than your credit limit, you must pay the amount over your 
credit limit immediately. 

Monthly Billing Statements: We will send you a statement every month with the account activity, fees and interest. It 
will also show your minimum payment and payment due date.

5.  Payments: Payments should be sent to the address on the payment coupon with your billing statement. If you send a 
payment to any other address, there may be a delay in crediting it to your account. We do not lose any of our rights to 
collect the full balance if we accept late payments, partial payments or checks or money orders marked “payment in full” 
or similar language. Do not send us postdated checks. If you do, we may deposit these checks when we receive them 
and will not be liable for any fees that may result. We will post payments when received but we may restrict your ability to 
make new charges against that payment amount for up to thirty (30) days. If your payment is returned unpaid from your 
bank, we may re-present it electronically. If this occurs, your check will not be sent to your bank but they can get a copy 
of it at your request. 

Minimum Payment and Monthly Payment: You may pay your entire balance at any time without penalty. You must pay 

(25) days from the closing date. The closing date is the last day of the billing cycle.

 If your balance is less than $30, the monthly payment is the balance. If your balance is greater than 
$30, your monthly payment is the largest amount of either $30 or 4% of your balance or 1% of the balance plus the 
current late fee and interest. 
Minimum  Payment
payment plus any amount over your credit limit.

7.  Applying Your Payments:

the highest annual percentage rate (APR) and then to balances at lower APRs.

States. Do not send cash through the mail. 

9.  When Interest is Charged: Interest will be charged if you did not pay the previous balance in full by the payment due 
date. We will charge interest on the ending balance. Ending balance means the balance on your account at the end of 
any billing cycle. Billing cycle means the time between two billing statements. 
The  ending  balance  is  the  sum  of the  previous balance  (the  ending  balance  on  your  last  statement)  less  payments 
and credits, plus new purchases and new cash advances and charges posted during the billing cycle. To calculate the 
interest, we multiply the ending balance by the monthly periodic rate.  The monthly periodic rate is calculated by dividing 
the annual percentage rate of 29.9% by 12 (months).  The monthly periodic rate is 2.4917%.

.  Account Fees: You agree to pay us the following fees which will be billed to your account as a purchase and will 

       accrue interest.

       described as MONTHLY FEE on your billing statement.

If your card is lost, stolen or being used without your permission, call us toll free (888) 883-9824, 

responsible for paying for any unauthorized use after you notify us of the loss, theft or unauthorized use. 

We are not responsible and have no liability if your card or account is not accepted for a charge. 

If your account is over the credit limit or past due, authorization for charges should be declined. 

We will send you a privacy notice annually. Your telephone calls with our representatives may be 
recorded for quality and other purposes. We may use automated telephone equipment or pre-recorded telephone calls to 
contact you at any number you provide to us or that we obtain, including any cellular telephone number. You agree that 

number, credit account number or social security number.

If you provide us with your cellular phone number or contact us from 

contact you at this number. You agree that we may use this phone number to contact you for any business purpose about 
your account and you agree to be responsible for any fees or charges you incur as a result of providing this information. 

that  may  be  received  or  accessed  from  your  cellular  phone  and  you  agree  that  by  enrolling  in  these  services,  you 
understand and agree to be responsible for any fees or charges you incur as a result of this enrollment.

under the Fair Credit Billing Act.

 This notice tells you about your rights and our responsibilities 

and account number; the dollar amount of the suspected error; a description of the problem. If you think there is an error 

days after the error appeared on your statement; and, 2) If you have enrolled in automatic payment, at least 3 business 
days before the payment is scheduled if you want to stop payment on the amount you think is wrong. You must notify us 
of any potential errors in writing. You may call us but if you do, we are not required to investigate any potential errors and 
you may have to pay the amount in question.

Within 30 days of receiving your letter, we must tell you that we 
received your letter. We will also tell you if we have already corrected the error. Within 90 days of receiving your letter, 
we must either correct the error or explain to you why we believe the bill is correct.

We cannot try to collect the amount in question or 
report you as delinquent on that amount. The charge in question may remain on your statement and we may continue 
to charge you interest on that amount. While you do not have to pay the amount in question, you are responsible for the 
remainder of your balance. We can apply any unpaid amount against your credit limit.

You will have to pay the amount in question along with applicable interest and fees. We will send you a statement of 
the amount you owe and the date payment is due. We may then report you as delinquent if you do not pay the amount 
we think you owe. If you receive our explanation but still believe your bill is wrong, you must write to us within 10 days 
telling us that you still refuse to pay. If you do so, we cannot report you as delinquent without also reporting that you are 
questioning your bill. We must tell you the name of anyone to whom we reported you as delinquent, and we must let 
those organizations know when the matter has been settled between us. If we do not follow all of the rules above, you 

that you have purchased with your credit card, and you have tried in good faith to correct the problem with the merchant, 
you may have the right not to pay the remaining amount due on the purchase. To use this right, all of the following must 

and the purchase price must have been more than $50. These limitations do not apply if your purchase was based on an 
advertisement we mailed to you, or if we own the company that sold you the goods or services. 2) You must have used 
your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses your 
credit card account do not qualify. 3) You must not yet have fully paid for the purchase. If all of the criteria above are met 

 
 
our investigation, we will tell you our decision. At that point, if we think you owe an amount and you do not pay, we may 
report you as delinquent.

We can delay enforcing or fail to enforce any of our rights under this contract without losing our 

right to enforce them at a later time. 

You authorize us to obtain credit reports about you for any legitimate business purpose. We may obtain 
a credit report for reviewing, modifying the terms, renewing the account or collection. We may report information about 

in your credit report. You and each authorized user agree that we may report account information to credit reporting 
agencies in the names of both you and the authorized user(s).

We may change any term of this contract at any time upon notice to you as 

This contract is entered in the state of South Dakota where the decision to grant credit 
will be made. Therefore, this contract will be governed by the laws of the state of South Dakota applicable to contracts, 
and applicable federal law.

If any provision of this contract is invalid or unenforceable under any law, rule or regulation, it shall not 

a.    If you do not make a minimum payment on your account on or before the payment due date;
b.    If you die or become legally incompetent;
c.    If you become insolvent or bankrupt;
d.    If you exceed or attempt to exceed your credit limit;
e.    If you provide us with or have provided us with false or misleading information or signatures at any time;
f.     If you fail to comply with this contract;
g.    If you request an excessive number of replacement cards; or

If you are in default, we may immediately cancel your account and we do not have to give you notice of cancellation. We 
can also require that you pay us the balance on your account.  You agree that you will return the card(s) to us. Even if 

If your account is in default and you try to make charges, we can use any legal means to recover the card(s) including 

22.  Cancellation:  You  may  cancel  your  account  at  any  time  by  notifying  us  in  writing  at  the  address  on  your  monthly 
statement and returning all cards issued on your account (cut in half). Even if your account is closed, you agree to pay 
the balance on the account under the terms of this contract. We can suspend your account privileges or cancel your 
account at any time, for any reason. We will notify you after we do so, unless you are in default at that time. We will have 
no obligation to notify you prior to suspending your charging privileges or cancelling your account. 

not used your account for any charges, all fees and interest billed to your account will be credited back to your account.

Unless prohibited by applicable law, if we start collection proceedings to recover amounts you owe 

25.  Headings: The headings used in this contract are for the convenience of reference only and are not intended in any way 

a.  California Residents: A married applicant may apply for a separate account. As required by law, you are hereby 

your credit obligations. After credit approval, each applicant shall have the right to use the account up to the limit 

b. 
c.  Maine  Residents:  Payment  Protection  provided  herein  is  voluntary  and  you  have  the  right  to  cancel  such 

 You may pay the unpaid balance of your account in whole or in part at any time.

protection at any time.

d. 

 Consumer reports may be requested in connection with the processing of the application 
and any resulting account. Upon your request, we will inform you of the names and addresses of any consumer 
reporting  agencies which  have  provided us  with  such  reports. New York  residents  may  contact the  New York 
Department of Financial Services to obtain a comparative list of credit card rates, fees and grace periods. New 

e.  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.