watrust.com  � 800.788.4578  � Member FDIC  21-BWPS-117341  REV 1/21PERSONAL CREDIT CARD DISCLOSURE � VISA�
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PRIVATE BANKING
INTEREST RATES AND INTEREST CHARGES
Annual Percentage Rate  
(APR) for Purchases 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.)
APR for Balance Transfers 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.)
APR for Cash Advances 13.24 %. (This APR will vary with the market based on the Prime Rate.)
Penalty APR and When  
it Applies19.24 %.
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 PurchasesYour 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 If you are charged interest, the charge will be no less than $1.00 .
For Credit Card Tips from  
the Consumer Financial  
Protection BureauTo 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 .
FEES
Annual Fee None None None
Transaction Fees
Balance Transfer
Cash Advances
Foreign Transaction4% of the amount of each transfer
4% of the amount of each cash advance
3% of each transaction in U.S. dollarsNone
4% of the amount of each cash advance
3% of each transaction in U.S. dollarsNone
4% of the amount of each cash advance
None
Penalty Fees
Late Payment
Returned Payment$25.00
$25.00$25.00
$25.00$25.00
$25.00
Other Fees
Overdraft Protection Transfer $10.00 $10.00 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, January 2021. 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 available* funds from your account 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. Transfers may take up to 2 business days to post to your Credit 
Card account. *Please note that transfers may exceed available credit upon posting. See your Credit Card Agreement for additional details regarding credit limit.
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.