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%|
|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|
|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|
Added perks of banking with First IB:Checking Accounts
First IB puts your daily banking needs firstFinanceWorks
View 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 Finances
Sign up for electronic statements, and save paper!