First International Bank & Trust 
Badlands Visa & MasterCard Account Opening Disclosure – Credit Sense  

Interest Rates and Interest Charges 
Annual Percentage Rate 
(APR) for New Purchases, 
Convenience Checks  
APR for Balance Transfers 
APR for Cash Advances 
Paying Interest 

14.88%. 

Minimum Interest Charge 
For Credit Card Tips from the 
Consumer Financial Protection 
Bureau 

0.00 % introductory APR for 15 billing cycles.  After that, your APR will be 14.88%. 
18.00% 
Your due date is at least 25 days after the close of each billing cycle.  We will not charge you 
interest on purchases, convenience checks, 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.  

Fees 
Annual Fee 

Transaction Fees 

None 

  Balance Transfer 

Either $5 or 3% of the balance transferred, 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 

Up to $29 

How We Will Calculate Your Balance: We use a method called “Average Daily Balance (including new purchases)”.  Please see your Account 
Agreement for more information. 

Billing Rights:  Information on your rights to dispute transactions and how to exercise those rights is provided in the Billing Rights notice 
with your Account Agreement. 

Other:   Additional fees may apply for special services requested by the cardholder. 

ADDITIONAL FEES / SERVICES: 

  Special Posting Fee: $10.00 
  Express Order Fee: $25.00 
  Research Fee: $15.00 / hour plus $.25 / copy 
  Replacement Card Fee:  $5.00 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 10/22/2018 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 DISCLOSURES REQUIRED BY FEDERAL LAW AND THE ACCOUNT AGREEMENT ENCLOSED FOR MORE INFORMATION.