First International Bank & Trust 
Account Opening Disclosure 
FIBT Onyx (A) Visa Account  

Interest Rates and Interest Charges 

Annual Percentage Rate 
(APR) for Purchases 

APR for Balance Transfers 

APR for Cash Advances 

Paying Interest 

Minimum Interest Charge 
For Credit Card Tips from the 
Consumer Financial 
Protection Bureau 

Fees 
Annual Fee 

Transaction Fees 

14.49%  
This APR will vary with the market based on the Prime Rate. 
2.90% introductory rate for the first 6 months. 
After that, your APR will be 14.49%.  This APR will vary with the market based on the Prime Rate. 
17.49%  
This APR will vary with the market based on the Prime Rate. 
Your due date is at least 25 days after the close of each billing cycle.  We will not charge you 
interest on purchases and balance transfers if you pay your entire balance by the due date each 
month.  We will begin charging interest on cash advances on the transaction date. 
If you are charged interest, the charge will be no less than $1. 
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.  

$495.00  

•  Balance Transfer 

Either $5 or 3% of the amount of the balance transfer, whichever is greater. 

•  Cash Advance 

Either $5 or 3% of the amount of each cash advance, whichever is greater. 

• 

Foreign Transaction 

Up to 1% of each transaction in U.S. dollars. 

Penalty Fees 

• 

Late Payment 

Up to $35 

•  Returned Payment 

$25  

How We Will Calculate Your Balance: We use a method called “Average Daily Balance (including current transactions)”. Please see the 
Billing Rights document for more information. 

Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in the Billing Rights document. 

Other:   Additional fees may apply for special services requested by the cardholder. 

ADDITIONAL FEES / SERVICES: 

➢  Special Posting Fee: $10.00 
➢  Express Order Fee: $35.00 
➢  Research Fee: $15.00/hour plus $.25/copy 
➢  Replacement Card Fee: $10.00 for each lost or damaged card 

Inactive Accounts:  Due to the cost of maintaining this account, your account may be closed if inactive for more than 22 months. 
As a participant in the consumer reporting system, we furnish information about our experience with you to consumer reporting agencies.  
These consumer reports allow us to make credit and other opportunities available to you.  If you believe that we have furnished information 
to  a  consumer  reporting  agency  that  is inaccurate,  please notify  us  at  the  following  address  and  identify  the  specific  information  that  is 
inaccurate.  The information about the cost of the card described in this supplement was printed on 08/25/2020 and is accurate as of that 
date.  The information is subject to change after that date and you should call us at 1-888-848-3428 or write to us at First International 
Bank & Trust – 1601 N 12th St, Bismarck, ND 58501 for the current information.  MEMBER FDIC. 
PLEASE REFER TO THE BILLING RIGHTS DOCUMENT FOR ADDITIONAL INFORMATION. 

3028206 – Updated 08/25/2020