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.