Credit Cards
Decidedly ungimmicky.
First IB credit cards give you the confidence of holding greater spending power in the palm of your hand. But that’s not all. Both cards also offer the possibility of a fully-integrated financial experience.
When you have both a First IB credit card and checking account, you will be able to:
- View your credit card information and transaction details along with your other accounts. No separate login required
- Make real-time credit card payments online by transferring funds from your checking account. No need to mail a check or worry about late fees!
- Advance funds from your credit card immediately into your checking account, 24 hours a day.
| CONNECT Classic Apply | CONNECT Select Apply | |
|---|---|---|
| Annual Percentage Rate (APR) | 16.99% | 14.99% |
| Penalty APR | 21.00%* | 21.00%* |
| Grace Period | 25 days* | none |
| Minimum Finance Charge | none | none |
| Monthly Payment | Minimum 5% of new balance but not less than $25.00 | Minimum 5% of new balance but not less than $25.00 |
| Cash Advance Fee | 2% of the amount of the cash advance; $10.00 maximum* | 2% of the amount of the cash advance; $10.00 maximum* |
| Late Payment Fee | $17.50 | $17.50 |
| Over-the-Limit Fee | $25.00 | $25.00 |
| Returned Check Charge | $25.00 | $25.00 |
| Term | Open-end, reviewed in twelve (12) months | Open-end, reviewed in twelve (12) months |
| For further details, refer to the Schedule of Fees Common to All Personal Accounts | ||
* Review full Credit Card Terms & Conditions. Print the accompanying credit card agreement.
Added perks of banking with First IB:
Checking AccountsFirst IB puts your daily banking needs first
FinanceWorksView and track balances for all your accounts—even if some are with other banks! These built-in tools help you monitor spending and budgets.
Earth-friendly FinancesSign up for electronic statements, and save paper!