+ Credit Cards & Personal Loans + Lending a hand when you need it.

Save this PDF as:
 WORD  PNG  TXT  JPG

Size: px
Start display at page:

Download "+ Credit Cards & Personal Loans + Lending a hand when you need it."

Transcription

1 + Credit Cards & Personal Loans + Lending a hand when you need it.

2 Banking that is truly rewarding. Shouldn t banking be a rewarding experience? We think so. With Align s CURewards, automatically earn points on every purchase you make: Gas, groceries, a new tablet, anything you buy with your Align VISA Rewards Card. We ll even track your points for you. Choose from hundreds of options like cash back*, airfare, car rentals, hotels, digital cameras, jewelry and more. It s all about you. Watch your points grow on your monthly statement or login anytime you like. You can even combine your debit and credit points to earn rewards faster. Earn Rewards Points Even Faster! With the CURewards Mall Program, shop at thousands of local and national retailers in-store or online to earn bonus points. Just pay with your Align VISA Rewards Card at any participating retailer. The CURewards Mall includes merchants in almost every category imaginable and the list keeps growing! You can even create your own list of favorites so you re the first to know about special deals. Visit CURewards.com to login, view participating retailers and start shopping! *VISA Signature Rewards Card only.

3 You ve worked hard to get where you are. Reward yourself! Align s VISA Credit Cards are simply incredible and offer unparalleled benefits and choices. Plus, they come with EMV microchip technology for extra security. VISA Signature Rewards The best benefits + Credit Line up to $15,000 + CURewards earn points with every purchase you make... redeemable for cash back, travel, merchandise and more! + Spend $3,000 in the first 90 days and earn 6,000 CURewards Points (new accounts only) + Travel discounts and upgrades + Shopping deals at premium retailers + 24-hour concierge service + Travel and emergency assistance + Sports and entertainment exclusive rates + Special dining and wine experiences + World-wide emergency card replacement + Lost, stolen, damaged card protection Plus you get all of the benefits of the VISA Platinum Rewards Card! VISA Platinum Rewards Flexible, easy, rewarding + CURewards earn points with every purchase you make + Credit Line up to $15,000 + No annual fee* + No hidden charges + Personal Identity Theft Coverage + Year End Summary of Usage + Extended Warranty Manager + Auto Rental Collision Damage Waiver

4 + Verified By VISA Purchase Protection + Online access for payments and history through Online Banking + Free estatements + No balance transfer fee* VISA Platinum The card with a lower APR + Low APR (1% lower than VISA Platinum Rewards) + Credit Line up to $15,000 + No annual fee* + No hidden charges + Auto Rental Collision Damage Waiver + Travel Insurance + Online access for payments and history through Online Banking + Free estatements + No balance transfer fee* *Annual Percentage Rate: 7.25%-13.25% based on your creditworthiness. The APR will vary based on the Prime Rate. Other fees may include; Cash Advance Fee of 2% of the cash advance or $5.00 minimum, $90.00 maximum; Foreign Transaction Fee of 1% of transaction in US dollars; Returned Payment Fee up to $20.00; Late Payment Fee 10% of the outstanding balance or maximum of $ VISA Credit Card Alerts It s easy to keep track of your Align VISA Credit Card purchases and payments with text and alerts. You can sign up for alerts when you approach your credit limit, make a large or international purchase, have a payment due and more. Financing That Fits. There are times when we could all use a little extra cash. With Align s seamless approval process, you can borrow up to $15,000 with a variety of repayment options. In addition to our credit cards and traditional personal loans, we also offer specialized products

5 to fit your financial needs, including: + Credit Builder CDs + Secured Loans + Overdraft Lines of Credit Debt Protection** No matter how carefully you plan, you never know when life may take an unexpected turn. Align offers a voluntary loan payment protection product to help guard against delinquency, default or foreclosure in situations of covered disability, loss of life or involuntary unemployment. **Your purchase of MEMBER S CHOICE TM Borrower Security is optional and will not affect your application for credit or the terms of any credit agreement required to obtain a loan. Certain eligibility requirements, conditions, and exclusions may apply. Please contact your loan representative, or refer to the Member Agreement for a full explanation of the terms of MEMBER S CHOICE TM Borrower Security. You may cancel the protection at any time. If you cancel protection within 30 days you will receive a full refund of any fee paid. DPGAP EC

6 Questions? Ready to Get Started? Visit AlignCU.com to learn more, download an application or apply online. Or, speak to one of our personal financing experts and get a decision in minutes! Member Care Center (800) (During Business Hours) + Visit AlignCU.com to learn more... or stop by a branch in Amesbury, Danvers, Framingham, Haverhill and Lowell. 0815

+ Auto Loans & Services + Connecting ALL Your Auto Needs.

+ Auto Loans & Services + Connecting ALL Your Auto Needs. + Auto Loans & Services + Connecting ALL Your Auto Needs. Find it Finance it Insure it Love it Love your car and how you get it. Whether you re looking to buy, fi nance, refi nance or insure, we ve got

More information

Connecting ALL Your Banking Needs. How do I become a Member? Smart savings, made simple. SAVINGS

Connecting ALL Your Banking Needs. How do I become a Member? Smart savings, made simple. SAVINGS Connecting ALL Your Banking Needs. SAVINGS We all have multiple financial needs. Whenever you need to bank, borrow or plan and grow, Align is here to help you every step of the way in one of our branches,

More information

+ Checking & Savings + Smart choices for managing Your money.

+ Checking & Savings + Smart choices for managing Your money. + Checking & Savings + Smart choices for managing Your money. Checking that fits your life. Choosing the right checking account can be downright confusing. At Align, we make it easy to build an account

More information

A card built to put your money to work. Welcome to your Citi Dividend World MasterCard.

A card built to put your money to work. Welcome to your Citi Dividend World MasterCard. WELCOME Citi Dividend World MasterCard Cash Back. Security. Convenience. SMART A card built to put your money to work. Welcome to your Citi Dividend World MasterCard. Here s how it works: Earn at least

More information

Details of Rate, Fee, and Other Cost Information

Details of Rate, Fee, and Other Cost Information BankAmericard Cash Rewards Visa Signature Card Earn 3% cash back on gas, grocery and drugstore purchases for the first 6 months Introductory 0% APR only for Purchases for your first 12 billing cycles.

More information

Credit Cards. Megan Stearns, Credit Counselor

Credit Cards. Megan Stearns, Credit Counselor Credit Cards Megan Stearns, Credit Counselor Agenda What is a credit card? Types of credit cards Shopping for a credit card Advantages and disadvantages Using credit cards wisely Fraud What is a credit

More information

AND PERSONAL FINANCE. Credit cards Personal loans Overdrafts

AND PERSONAL FINANCE. Credit cards Personal loans Overdrafts CREDIT CARDS AND PERSONAL FINANCE. Credit cards Personal loans Overdrafts We all have different plans in life. Your personal finances, your way. At Bank of Melbourne, our commitment to you starts with

More information

ANZ Airpoints Visa WELCOME GUIDE

ANZ Airpoints Visa WELCOME GUIDE ANZ Airpoints Visa WELCOME GUIDE Introducing the ANZ Airpoints Visa and the ANZ Airpoints Visa Platinum, the credit cards that reward you with Air New Zealand Airpoints Dollars. The ANZ Airpoints Visa

More information

Westpac Credit Cards. Credit cards

Westpac Credit Cards. Credit cards Westpac Credit Cards Credit cards As at 15 November 2013 You can buy the things you need now and pay off your card in a flexible way later. Contents 4 What do you get with a Westpac credit card? 6 Which

More information

CIBC Dividend Platinum

CIBC Dividend Platinum YOUR WELCOME KIT Welcome to your CIBC Dividend Platinum Card YOUR BENEFITS GUIDE Benefits at a Glance Welcome to your CIBC Dividend Platinum Card 1 Earn Rewards Faster 1 Chip-enabled CIBC Credit Card 1

More information

Credit cards explained

Credit cards explained Credit cards explained What is a credit card? As its name suggests, a credit card lets you buy things on credit meaning that you don t need to have the money upfront to pay for your purchases. If large,

More information

Open a Pelican Visa Credit Card today & earn DOUBLE POINTS on balance transfers! *

Open a Pelican Visa Credit Card today & earn DOUBLE POINTS on balance transfers! * Open a Pelican Visa Credit Card today & earn DOUBLE POINTS on balance transfers! * The more you transfer, the bigger the awards. earn up to 30,000 points per month minimum transfer of only $100 Apply Now!

More information

CIBC Aero Classic Visa * Card

CIBC Aero Classic Visa * Card Your Benefits Guide Welcome to your CIBC Aero Classic Visa * Card Benefits at a Glance YOUR PREMIUM PASSPORT TO REWARD TRAVEL Welcome to your CIBC Aero Classic Visa Card 1 Earn Rewards Faster 2 Insurance

More information

CIBC Platinum MasterCard

CIBC Platinum MasterCard YOUR WELCOME KIT Welcome to your CIBC Platinum MasterCard Card YOUR BENEFITS GUIDE Benefits at a Glance Welcome to your CIBC Platinum MasterCard Card 1 Chip-enabled CIBC Credit Card 1 CIBC Contactless

More information

With UChoose Rewards, you can earn points and choose to redeem them at hundreds of national, regional, local and online retailers.

With UChoose Rewards, you can earn points and choose to redeem them at hundreds of national, regional, local and online retailers. Firefighters First Credit Union Debit Card Rewards Program You shop. You earn. You choose. It s that simple! Your Debit Card just got better - With UChoose Rewards you can shop like you normally would

More information

YOUR BENEFITS GUIDE. Welcome to your. CIBC Platinum Visa card

YOUR BENEFITS GUIDE. Welcome to your. CIBC Platinum Visa card YOUR BENEFITS GUIDE Welcome to your CIBC Platinum Visa card Welcome to your CIBC Platinum Visa card. And a completely different credit card experience. Your new CIBC Platinum Visa card comes with our promise

More information

CIBC TELUS Rewards Visa * Card

CIBC TELUS Rewards Visa * Card YOUR BENEFITS GUIDE Welcome to your CIBC TELUS Rewards Visa * Card YOUR BENEFITS GUIDE BENEFITS AT A GLANCE Thank You for Choosing the CIBC TELUS Rewards Visa Card 1 How to Earn 2 How to Redeem 2 Go Paperless

More information

CIBC Aerogold Visa * Card

CIBC Aerogold Visa * Card Your Benefits Guide Welcome to your CIBC Aerogold Visa * Card Benefits at a Glance YOUR PREMIUM PASSPORT TO REWARD TRAVEL Welcome to your CIBC Aerogold Visa Card 1 Earn Rewards Faster 2 Enjoy a World of

More information

Checking Services (Share Draft Accounts)

Checking Services (Share Draft Accounts) Checking Services Checking Services (Share Draft Accounts) UCF FCU makes simple and convenient. Our accounts (called share draft accounts), offer flexible choices to access funds and make purchases - pay

More information

Questions about your U.S. Bank FlexPerks Visa Account Call Cardmember Services

Questions about your U.S. Bank FlexPerks Visa Account Call Cardmember Services Questions about your U.S. Bank FlexPerks Visa Account Call Cardmember Services Get 24-hour cardmember service for any account inquiries or to report a lost or stolen card. U.S. Bank FlexPerks Travel Rewards

More information

Questions about your U.S. Bank FlexPerks Visa Account Call Cardmember Services

Questions about your U.S. Bank FlexPerks Visa Account Call Cardmember Services Questions about your U.S. Bank FlexPerks Visa Account Call Cardmember Services Get 24-hour cardmember service for any account inquiries or to report a lost or stolen card. U.S. Bank FlexPerks Travel Rewards

More information

Yellow Brick Road Empower Platinum Card

Yellow Brick Road Empower Platinum Card Yellow Brick Road Empower Platinum Card Features and Benefits Welcome Contents Using and managing your card 2 Rewards 4 Security 6 Your MasterCard Benefits 8 Terms and Conditions 11 Welcome to your new

More information

CIBC PETRO-POINTS MasterCard

CIBC PETRO-POINTS MasterCard YOUR WELCOME KIT Welcome to your CIBC PETRO-POINTS MasterCard Card YOUR BENEFITS GUIDE Benefits at a Glance Welcome to your CIBC PETRO-POINTS MasterCard Card 1 Instant Fuel Savings and Great Rewards 1

More information

A card built to put your money to work. Welcome to your Citi Dividend World Elite TM MasterCard.

A card built to put your money to work. Welcome to your Citi Dividend World Elite TM MasterCard. WELCOME Citi Dividend World Elite tm MasterCard Cash Back. Security. Convenience. SMART A card built to put your money to work. Welcome to your Citi Dividend World Elite TM MasterCard. Here s how it works:

More information

RBC Group Advantage. Banking at work for you.

RBC Group Advantage. Banking at work for you. RBC Group Advantage Banking at work for you. Advice. Support. Savings. Rewards. That s what sets RBC Group Advantage apart. Financial stress affects most of us at various times in our lives. RBC Group

More information

CIBC Dividend Unlimited World MasterCard Card

CIBC Dividend Unlimited World MasterCard Card YOUR WELCOME KIT Welcome to your CIBC Dividend Unlimited World MasterCard Card YOUR BENEFITS GUIDE Benefits at a Glance Welcome to your CIBC Dividend Unlimited World MasterCard Card 1 Earn Rewards Faster

More information

AmaZing Cash FAQs. About the Program

AmaZing Cash FAQs. About the Program AmaZing Cash FAQs About the Program 1. How does the AmaZing Cash program work? The AmaZing Cash program comes automatically with the AmaZing Cash Credit Card and the AmaZing Cash Signature Card. You earn

More information

Discover the benefits of being a CIBC Tim Hortons Double Double Visa * Cardholder.

Discover the benefits of being a CIBC Tim Hortons Double Double Visa * Cardholder. Discover the benefits of being a CIBC Tim Hortons Double Double Visa * Cardholder. CIBC Tim Hortons Double Double Visa Card Welcome Kit CIBC Tim Hortons Double Double Visa * Card Welcome to your CIBC Tim

More information

1.99% introductory APR 1 for the first 6 months.

1.99% introductory APR 1 for the first 6 months. Interest Rates and Interest Charges Retail Installment Agreement Revolving Accounts Plan for NOVEL Dual of Banco Popular Annual Percentage Rate (APR) for Purchases APR for Balance Transfers APR for Cash

More information

TABLE OF CONTENTS. Introduction 3. General Guidelines for Successful Account Management 3. Managing Your Checking Account. 1.

TABLE OF CONTENTS. Introduction 3. General Guidelines for Successful Account Management 3. Managing Your Checking Account. 1. TABLE OF CONTENTS Introduction 3 General Guidelines for Successful Account Management 3 Managing Your Checking Account 1. Check Register 2. Planning 3. Recording Your Transactions 4. Balancing Your Account

More information

NXT Bank Business Visa Credit Cards

NXT Bank Business Visa Credit Cards Carry a credit card designed for your business. We offer a variety of business credit cards to meet your needs. Become a Cardmember and enjoy a wide range of benefits. Business Edition Visa Card The NXT

More information

YOUR BENEFITS GUIDE. Welcome to your. CIBC Dividend Card

YOUR BENEFITS GUIDE. Welcome to your. CIBC Dividend Card YOUR BENEFITS GUIDE Welcome to your CIBC Dividend Card Welcome to your CIBC Dividend Card. And a completely different credit card experience. Your new CIBC Dividend Card comes with our promise to help

More information

Choose Alaska USA and save!

Choose Alaska USA and save! Choose Alaska USA and save! Open a new personal checking account with Alaska USA and get your first box of checks FREE. Alaska USA doesn t charge per-check fees regardless of how many you write per month.

More information

MODULE 3 // CREDIT, DEBIT & PREPAID CARDS HALL OF FAME: AGES 18+

MODULE 3 // CREDIT, DEBIT & PREPAID CARDS HALL OF FAME: AGES 18+ MODULE 3 // CREDIT, DEBIT & PREPAID CARDS HALL OF FAME: AGES 18+ MODULE 3 // FINANCIAL FOOTBALL PROGRAM Financial Football is an interactive game designed to acquaint students with the personal financial

More information

Welcome to your CIBC Dividend Visa * Card

Welcome to your CIBC Dividend Visa * Card Welcome to your CIBC Dividend Visa * Card Turn your everyday spending into cash back rewards Get 2% cash back on all grocery purchases 1 Get started with your new cash back card 1. Activate your card Activate

More information

ACCOUNT JULY 2, 2012 WILL CHANGE YOUR CHECKING. The transition. will be seamless

ACCOUNT JULY 2, 2012 WILL CHANGE YOUR CHECKING. The transition. will be seamless YOUR CHECKING ACCOUNT WILL CHANGE JULY 2, 2012 The transition will be seamless Your account number, checks and debit card all remain the same. Your electronic transfers, bill pay and direct deposits will

More information

CIBC Dividend One MasterCard

CIBC Dividend One MasterCard YOUR WELCOME KIT Welcome to your CIBC Dividend One MasterCard Card YOUR BENEFITS GUIDE Benefits at a Glance Welcome to your CIBC Dividend One MasterCard Card 1 Chip-enabled CIBC Credit Card 1 CIBC Contactless

More information

BENEFIT SUMMARY. TO APPLY See your branch representative or call 800-892-3263. Platinum Plus Business Rewards. Platinum Plus Business Rewards

BENEFIT SUMMARY. TO APPLY See your branch representative or call 800-892-3263. Platinum Plus Business Rewards. Platinum Plus Business Rewards BENEFIT SUMMARY Platinum Plus Business Rewards Don t just think of it as a credit card. Think of it as a way to work more efficiently. If you use a personal credit card for business expenditures, you re

More information

Get in touch. Personal banking support for your personal economy

Get in touch. Personal banking support for your personal economy Get in touch Visit HSBC s Premier Centre Call 1300 131 605 or +61 2 9005 8114 (overseas), Monday Friday, 8am 8pm (AEST) hsbcpremier.com.au Personal banking support for your personal economy Issued by HSBC

More information

CMA Affinity Program Offers

CMA Affinity Program Offers CMA Affinity Program Offers Union Bank is proud to partner with the California Medical Association to serve the unique financial needs of your practice, your staff, and yourself. We approach our customer

More information

1. Responsibility: 2. Lost Card Notification: 3. Liability for Unauthorized Use: 4a. Credit Line:

1. Responsibility: 2. Lost Card Notification: 3. Liability for Unauthorized Use: 4a. Credit Line: In this Agreement the words you and your mean each and all of those who apply for the card or who sign this Agreement. Card means the VISA Credit Card and any duplicates and renewals we issue. Everyone

More information

TD Cash & First Class Important Credit Card Terms and Conditions. Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases

TD Cash & First Class Important Credit Card Terms and Conditions. Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases TD Cash & First Class Important Credit Card Terms and Conditions Rates, fees, and other important costs of the TD Credit Cards are disclosed below. Additional fees and account terms are described in the

More information

Lesson 13 Take Control of Debt: Become a Savvy Borrower

Lesson 13 Take Control of Debt: Become a Savvy Borrower Lesson 13 Take Control of Debt: Become a Savvy Borrower Lesson Description After reviewing the difference between term loans and revolving credit, students analyze a fictitious character s use of credit

More information

Welcome home. Step through the front door of your new home sooner, with NAB s range of smart and flexible home loans.

Welcome home. Step through the front door of your new home sooner, with NAB s range of smart and flexible home loans. Welcome home Step through the front door of your new home sooner, with NAB s range of smart and flexible home loans. Smart move With the right advice from your mortgage broker and a smart, flexible home

More information

elcome to Webster Personal Banking. For Your Convenience Our Customer Care Center is open 7 am - 10 pm, 7 days a week.

elcome to Webster Personal Banking. For Your Convenience Our Customer Care Center is open 7 am - 10 pm, 7 days a week. For Your Convenience Our Customer Care Center is open 7 am - 0 pm, 7 days a week. Call -888-4WEBSTER (-888-493-2783) We also have over 65 branches and almost 500 ATMs so that you can bank on your schedule.

More information

WorldPoints Rewards Program Rules

WorldPoints Rewards Program Rules WorldPoints Rewards Program Rules It s easy to earn Points simply use your credit card for everyday purchases, like buying groceries, filling the gas tank or paying your utility bill. Your rewards at a

More information

Loan Services. www.ncsecu.org

Loan Services. www.ncsecu.org Loan Services www.ncsecu.org Loan Services State Employees Credit Union (SECU) is dedicated to providing competitively priced loan products and services to meet members consumer-related and mortgage lending

More information

Credit Card - How your ANZ Credit Card works

Credit Card - How your ANZ Credit Card works anz.com/vietnam Item No. SPB004 DATE 01.2013 ANZ Signature Priority Banking Visa Platinum Credit Card - How your ANZ Credit Card works How your ANZ Credit Card works 01/2013 1 2 1-2 ANZ credit cards fulfil

More information

LPL Financial Cash Management Services

LPL Financial Cash Management Services OPERATIONS LPL Financial Cash Management Services Cash and Banking Solutions to Manage Your Daily Finances an added level of protection Table of Contents 3 Premier Plus Account 4 Insured Cash Account 4

More information

Card Eligibility: To be eligible for an Account, you must meet certain minimum income, residency, age, credit quality and other requirements.

Card Eligibility: To be eligible for an Account, you must meet certain minimum income, residency, age, credit quality and other requirements. TD Cash Rewards Important Credit Card Terms and Conditions Rates, fees, and other important costs of the TD Cash Rewards SM Credit Card are disclosed below. Additional fees and account terms are described

More information

1.99% introductory APR 1 for the first 6 months.

1.99% introductory APR 1 for the first 6 months. Revolving Retail Installment Agreement for Banco Popular / AAdvantage Visa Infinite Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases 1.99% introductory APR 1 for the first

More information

How We Will Calculate Your Balance: We use a method called Average Daily Balance (including Current Transactions).

How We Will Calculate Your Balance: We use a method called Average Daily Balance (including Current Transactions). TD Easy Rewards Important Credit Card Terms and Conditions Rates, fees, and other important costs of the TD Easy Rewards SM Credit Card are disclosed below. Additional fees and account terms are described

More information

A rewarding experience just for you.

A rewarding experience just for you. BENEFITS GUIDE Signature RBC Rewards Visa card A rewarding experience just for you. Great rewards start with your Signature. Thank you for choosing the Signature RBC Rewards Visa card. Now you can enjoy

More information

55 Day Platinum Visa Card. enjoy the. platinum. experience. the in-crowd Proudly supported by Westpac

55 Day Platinum Visa Card. enjoy the. platinum. experience. the in-crowd Proudly supported by Westpac 55 Day Platinum Visa Card enjoy the platinum experience the in-crowd Proudly supported by Westpac Welcome to 55 Day Platinum Thank you for choosing the 55 Day Platinum Visa Card. In addition to the CardShield

More information

MasterCard Special Edition

MasterCard Special Edition 2015 An Empower Federal Credit Union publication. MasterCard Special Edition Important details about our MasterCard conversion. Message From The President John Wakefield President/CEO Why MasterCard? For

More information

Frequently Asked Questions Najm Visa Platinum Credit Card

Frequently Asked Questions Najm Visa Platinum Credit Card Frequently Asked Questions Najm Visa Platinum Credit Card Table of Contents PremiumRewards... 1 Earning PremiumRewards... 4 Redeeming PremiumRewards... 5 Najm Visa Platinum Credit Card... 9 Platinum Benefits:...

More information

YOUR BENEFITS GUIDE. Welcome to your. CIBC Classic Visa. Card

YOUR BENEFITS GUIDE. Welcome to your. CIBC Classic Visa. Card YOUR BENEFITS GUIDE Welcome to your CIBC Classic Visa Card Welcome to your CIBC Classic Visa Card. And a completely different credit card experience. Your new CIBC Classic Visa Card comes with our promise

More information

Discover the benefits of your new RBC Rewards Visa * Classic card

Discover the benefits of your new RBC Rewards Visa * Classic card Discover the benefits of your new RBC Rewards Visa * Classic card Choice, flexibility and free rewards they re yours with the RBC Rewards Visa Classic card. Welcome to RBC Royal Bank s premiere no-fee

More information

Great Rates & CASH Back As much as $300! Did you know Peach State Federal Credit Union offers:

Great Rates & CASH Back As much as $300! Did you know Peach State Federal Credit Union offers: Great Rates & CASH Back As much as $300! Cruise on into Peach State Federal Credit Union and refinance your vehicle loan that s financed with another lender. With rates as low as 1.9% APR*, we ll match

More information

MANAGING CREDIT101 TM %*'9 [[[ EPXEREJGY SVK i

MANAGING CREDIT101 TM %*'9 [[[ EPXEREJGY SVK i MANAGING CREDIT101 TM i This book is intended as a general guide to the topics discussed, and it does not deliver accounting, personal finance, or legal advice. It is not intended, and should not be used,

More information

Commercial MasterCard Credit Card (Option for TruRewards)

Commercial MasterCard Credit Card (Option for TruRewards) Commercial MasterCard Credit Card (Option for TruRewards) Conveniently Manage Your Business Expenses With a Card From a Bank You Know Better ideas. Better banking. bannerbank.com Owned & Serviced by Banner

More information

As exclusive as your needs. As individual as you are. Visa Platinum

As exclusive as your needs. As individual as you are. Visa Platinum As exclusive as your needs. As individual as you are. Visa Platinum For a lifestyle that is both distinctive and individual. Visa Platinum The more discerning among us expect exclusive services and quite

More information

LPL FINANCIAL CASH MANAGEMENT SERVICES. Cash and Banking Solutions to Manage Your Daily Finances

LPL FINANCIAL CASH MANAGEMENT SERVICES. Cash and Banking Solutions to Manage Your Daily Finances LPL FINANCIAL CASH MANAGEMENT SERVICES Cash and Banking Solutions to Manage Your Daily Finances LPL Financial offers a multitude of services to help you manage your long-term investments and day-to-day

More information

Westpac Credit Cards. Credit cards

Westpac Credit Cards. Credit cards Westpac Credit Cards Credit cards As at 9 February 2015 You can buy the things you need now and pay off your card in a flexible way later. Contents 4 What do you get with a Westpac credit card? 6 Which

More information

Over $1,700 in total value and savings! TABIA Business and Personal Banking Program

Over $1,700 in total value and savings! TABIA Business and Personal Banking Program Over $1,700 in total value and savings! TABIA Business and Personal Banking Program July 27, 2012 Program Overview RBC Royal Bank is pleased to provide TABIA members with a special banking program for

More information

One Signature. Many Privileges.

One Signature. Many Privileges. One Signature. Many Privileges. Discover the power of Your new Signature Card Signature Welcome Your Signature welcomes you with an exclusive gift Signature Gift Value (`) e-gift Voucher from Yatra.com

More information

TELLERThird Quarter 2015

TELLERThird Quarter 2015 the TELLERThird Quarter 2015 INSIDE 2 Tips to Protect Your Personal Account Information 3 Drive Happy off the Lot 4 Mobile Check Deposit is on the Way Student Loans Can Help Fill the Gap 5 Picture Your

More information

Credit Card FAQ. PUBLIC Updated on 15Dec2014 Page 1 of 8

Credit Card FAQ. PUBLIC Updated on 15Dec2014 Page 1 of 8 1. What can I do with an HSBC credit card? With HSBC credit card, you can: Purchase goods and services with your HSBC credit card in Vietnam and when you are traveling overseas at 30 million retailers

More information

Using your Credit Card

Using your Credit Card Using your Credit Card Effective from 7 November 2003 Contents Introduction 3 Section one: Benefits 1.1 Reward Points program 4 1.1.1 Earn Reward Points every day 4 1.1.2 Earn up to 3 Bonus Reward Points

More information

Altitude Business Gold Visa Card. spend on your business, reward yourself. movers & shakers Proudly supported by Westpac

Altitude Business Gold Visa Card. spend on your business, reward yourself. movers & shakers Proudly supported by Westpac Altitude Business Gold Visa Card spend on your business, reward yourself movers & shakers Proudly supported by Westpac Welcome to a great way to earn rewards Now that your Altitude Business Gold Credit

More information

Municipal Credit Union MCU² VISA CARDHOLDER AGREEMENT AND DISCLOSURE STATEMENT RETAIL INSTALLMENT CREDIT AGREEMENT

Municipal Credit Union MCU² VISA CARDHOLDER AGREEMENT AND DISCLOSURE STATEMENT RETAIL INSTALLMENT CREDIT AGREEMENT Municipal Credit Union MCU² VISA CARDHOLDER AGREEMENT AND DISCLOSURE STATEMENT RETAIL INSTALLMENT CREDIT AGREEMENT 1. Definitions: In this Agreement the words we, us and our mean Municipal Credit Union,

More information

Advice. Support. Savings. Rewards.

Advice. Support. Savings. Rewards. Advice. Support. Savings. Rewards. RBC Group Advantage Program The RBC Group Advantage program gives you what you need to get the most out of your everyday banking, with advice, support, savings and rewards

More information

Credit Cards and You. Spring 2003. This guide is for you if you would like to know more about:

Credit Cards and You. Spring 2003. This guide is for you if you would like to know more about: Credit Cards and You This guide is for you if you would like to know more about: Interest Rates Service Fees How to choose a credit card How interest is calculated on credit cards What to watch out for

More information

Prepaid Cards. An alternative to credit and debit cards. When choosing how to pay for their purchases, consumers have many options.

Prepaid Cards. An alternative to credit and debit cards. When choosing how to pay for their purchases, consumers have many options. General-purpose reloadable prepaid cards Prepaid Cards An alternative to credit and debit cards When choosing how to pay for their purchases, consumers have many options. Cash, check, debit and credit

More information

CLUB LLOYDS PRIVATE BANKING ACCOUNT. Everyday banking that fits around you

CLUB LLOYDS PRIVATE BANKING ACCOUNT. Everyday banking that fits around you CLUB LLOYDS PRIVATE BANKING ACCOUNT Everyday banking that fits around you WELCOME TO YOUR NEW CLUB LLOYDS PRIVATE BANKING ACCOUNT Contents Club Lloyds Private Banking Account 1 Current account credit interest

More information

(Available on our Platinum Rewards credit card, Business Platinum Rewards credit card, & Unitus Rewards checking account debit card only)

(Available on our Platinum Rewards credit card, Business Platinum Rewards credit card, & Unitus Rewards checking account debit card only) (Available on our Platinum Rewards credit card, Business Platinum Rewards credit card, & Unitus Rewards checking account debit card only) I. Description of the Program a) Unitus members with Prime Share

More information

UNFCU VISA credit cards

UNFCU VISA credit cards UNFCU VISA credit cards PREMIUM TRAVEL BENEFITS www.unfcu.org Agenda Benefits unique to the Elite credit card: no foreign transaction fees, VISA Trip Cancellation/Trip Interruption Insurance, concierge

More information

your guide to your new BOQ Credit Card

your guide to your new BOQ Credit Card your guide to your new BOQ Credit Card Contents A card that you will love 1 Getting started 2 Flexible banking at your fingertips 3 Platinum Visa card 4 Blue Visa card 6 Low Rate Visa card 7 BOQ Rewards

More information

Mates Rates Package. From your friends at Kiwibank.

Mates Rates Package. From your friends at Kiwibank. Mates Rates Package. From your friends at Kiwibank. Join Kiwibank today and while you re a Mates Rates member, you ll get even better value banking. Check out what you ll get: Everyday Accounts Choice

More information

Welcome to the convenience of a Bank of Melbourne. Visa Debit Card.

Welcome to the convenience of a Bank of Melbourne. Visa Debit Card. Welcome to the convenience of a Bank of Melbourne Visa Debit Card. Everyday Purchases Type of transaction ATM cash withdrawal In-store purchase In-store cash-out Bill payment How to access funds in Australia

More information

Mates Rates Package. From your friends at Kiwibank.

Mates Rates Package. From your friends at Kiwibank. Mates Rates Package. From your friends at Kiwibank. Join Kiwibank today and while you re a Mates Rates member, you ll get even better value banking. Check out what you ll get: Everyday Accounts Choice

More information

Credit Card Agreement and Disclosure Statement

Credit Card Agreement and Disclosure Statement Credit Card Agreement and Disclosure Statement Your Lifetime Financial Partner In this Agreement the words you and your mean each and all of those signing, using or having a credit Card account with Northwest

More information

RBC Royal Bank Visa Business Platinum Avion. A world of travel rewards. And more.

RBC Royal Bank Visa Business Platinum Avion. A world of travel rewards. And more. RBC Royal Bank Visa Business Platinum Avion A world of travel rewards. And more. A world of travel rewards. And more. 3 Expense management has never been easier or more rewarding Welcome to RBC Royal Bank

More information

Credit 100 understanding credit

Credit 100 understanding credit Credit 100 understanding credit An investment in knowledge always pays the best interest. Franklin D. Roosevelt Credit 100 1 Credit can open doors to buying a home or a car. But it can also lead to significant

More information

Benefits Guide BMO CashBack World Elite * MasterCard * Welcome.

Benefits Guide BMO CashBack World Elite * MasterCard * Welcome. Benefits Guide BMO CashBack World Elite * MasterCard * Welcome. Table of contents Upgrade your story today Getting started Your card at a glance Take things up a notch Additional options Everyday services

More information

Chapter Objectives. Chapter 6. Short Term Credit Management. Major Topics. Reasons for Using Credit. How to Get Credit. Disadvantages of Using Credit

Chapter Objectives. Chapter 6. Short Term Credit Management. Major Topics. Reasons for Using Credit. How to Get Credit. Disadvantages of Using Credit Chapter Objectives Chapter 6. Short Term Credit Management To evaluate reasons for and against using credit and decide whether or not credit is appropriate for you. To be able to take the necessary steps

More information

Equitable Bank Home Equity Line of Credit

Equitable Bank Home Equity Line of Credit Equitable Bank Home Equity Line of Credit Your guide on how to get the most from your combined mortgage and Home Equity Line of Credit Inside the Equitable Bank Home Equity Line of Credit Look forward

More information

TCU VISA Platinum Rewards Credit Card Account Agreement

TCU VISA Platinum Rewards Credit Card Account Agreement TCU VISA Platinum Rewards Credit Card Account Agreement This TCU VISA Platinum Rewards Credit Card Account Agreement and Disclosure Statement ("Agreement"), sets forth your rights and obligations and ours

More information

HOME LOANS AND LINES OF CREDIT

HOME LOANS AND LINES OF CREDIT HOME LOANS AND LINES OF CREDIT GENUINE LOANS FOR REAL PEOPLE Product Information Brochure Effective from 1 November 2014 At Queensland Country we offer genuine home loans for real people. We understand

More information

ACCESSING YOUR MONEY OVERSEAS.

ACCESSING YOUR MONEY OVERSEAS. ACCESSING YOUR MONEY OVERSEAS. ACCESSING YOUR MONEY, ANYTIME, ANYWHERE No matter where you re going, you ll need easy, secure access to your money. Travel Money Card A prepaid MasterCard that lets you

More information

CIBC Aerogold Visa * Card for Business

CIBC Aerogold Visa * Card for Business YOUR BENEFITS GUIDE Welcome to your CIBC Aerogold Visa * Card for Business Benefits at a Glance BUSINESS, TRAVEL, AND REWARDS BENEFITS THAT PUT YOUR BUSINESS MILES AHEAD Welcome to your CIBC Aerogold Visa

More information

HSBC Premier Debit Card User Guide. 13 N Bangkok, Thailand

HSBC Premier Debit Card User Guide. 13 N Bangkok, Thailand HSBC Premier Debit Card User Guide 13 N Bangkok, Thailand Congratulations on receiving the HSBC Premier Debit Card for access to your HSBC account. Enjoy the convenience of shopping online, over the phone

More information

CURIOUS HOW THIS MORTGAGE THING WORKS?

CURIOUS HOW THIS MORTGAGE THING WORKS? CURIOUS HOW THIS MORTGAGE THING WORKS? IMPORTANT INFORMATION ABOUT YOUR NEW HOME LOAN. WELCOME TO YOUR NEW MORTGAGE. WHAT S NEXT? Owning a home is a great feeling. And having a mortgage that you know works

More information

Welcome to the American Express Corporate Card Program Cardmember Benefits and Services

Welcome to the American Express Corporate Card Program Cardmember Benefits and Services CORPORATE SERVICES EXPENSE MANAGEMENT SOLUTIONS Welcome to the American Express Corporate Card Program Cardmember Benefits and Services Contents Welcome to the advantages of the American Express Corporate

More information

This material is derived from sources believed to be reliable, but its accuracy and the opinions based thereon are not guaranteed.

This material is derived from sources believed to be reliable, but its accuracy and the opinions based thereon are not guaranteed. Using Debt Wisely INVESTMENT AND INSURANCE PRODUCTS: NOT FDIC INSURED NOT A BANK DEPOSIT NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY NO BANK GUARANTEE MAY LOSE VALUE Disclosures The information provided

More information

A financial empowerment toolkit for community volunteers

A financial empowerment toolkit for community volunteers YOUR MONEY, YOUR GOALS A financial empowerment toolkit for community volunteers Modules 8: Money services, cards, accounts, and loans Consumer Financial Protection Bureau April 2015 Table of contents MODULE

More information

Jeanne D Arc CREDIT UNION

Jeanne D Arc CREDIT UNION Credit Cards PLATINUM VISA CREDIT CARDS Jeanne D Arc CREDIT UNION PUT SOME CREDIT BUILDING POWER IN YOUR POCKET WITH A JEANNE D ARC VISA. It s the best of both worlds. You get a credit card that s accepted

More information

FAQs FOR CREDIT CARDS. al khaliji France FAQs for Credit Cards

FAQs FOR CREDIT CARDS. al khaliji France FAQs for Credit Cards FAQs FOR CREDIT CARDS FAQs for Credit Cards Card basics 03 Managing your credit limit 03 Using your card 04 Paying your bills 05 If there are problems 06 Fees & charges 06 Other benefits 06 02 1. Card

More information

Consumer Loan & VISA Rates October 1, 2015 (rates are subject to change)

Consumer Loan & VISA Rates October 1, 2015 (rates are subject to change) Consumer Loan & VISA Rates Loan Type Terms & Special Features Interest Rate (APR) 1 New and Used Auto Finance up to 120% of purchase price on new autos (not including tax, title, licensing and cancelable

More information

How will you use your credit card? What are the APRs?

How will you use your credit card? What are the APRs? How will you use your credit card? Shopping around for a credit card can save you money on interest and fees. You ll want to find one with features that match your needs. This information can help you

More information