First International Bank & Trust 
Account Disclosure 
Badlands Visa & MasterCard Account  

Interest Rates and Interest Charges 
Annual Percentage Rate 
(APR) for Purchases, 
Convenience Checks  

14.88% 

APR for Balance Transfers 
APR for Cash Advances 
Paying Interest 

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 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 

$25 or if subsequent late payments within 6 billing cycles $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: $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 10/23/2019 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. 

BDLDS CS – Updated 10/23/19