First International Bank & Trust
Secured Visa Account Disclosure

Interest Rates and Interest Charges

Annual Percentage Rate
(APR) for Purchases, 
Convenience Checks, and 
Balance Transfers

14.88%

APR for Cash Advances 

18.00%

Paying Interest 

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.

Minimum Interest Charge 

If you are charged interest, the charge will be no less than $1.

For Credit Card Tips from the  To learn more about factors to consider when applying for or using a credit card, 
Consumer Financial  
Protection Bureau 

visit the website of the Consumer Financial Protection Bureau at 
http://www.consumerfinance.gov/learnmore.

Fees

Annual Fee 

$15.00

Transaction Fees

•  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 

•  Returned Payment 

Up to $35

Up to $29

How We Will Calculate Your Balance: We use a method called “Average Daily Balance (including new purchases)”. Please 
see the Account Agreement enclosed with this disclosure for more information.

Billing  Rights:  Information  on  your  rights  to  dispute  transactions  and  how  to  exercise  those  rights  is  provided  in  the 
enclosed Billing Rights Notice.

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 3-15-16 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 – PO Drawer 
607 – Watford City, ND 58854 for the current information. MEMBER FDIC.

PLEASE REFER TO THE DISCLOSURES REQUIRED BY FEDERAL LAW AND THE ACCOUNT AGREEMENT ENCLOSED 
FOR MORE INFORMATION.

3113190