Credit Cards and Debit/ATM Cards
At GenoaBank, we’re a bank that believes in protecting you
and your financial security…that’s why we’re excited to offer
ATM/Debit Card Fraud Protection to you at no charge!
All ATM/Debit Card point of sale transactions will be automatically blocked in foreign countries and select states in the United States to deter fraud on your accounts.
MasterCard and Visa
The most valuable card for your everyday needs.
National, Regional and Local ATM Access for Cash Advance
Wherever MasterCard/VISA is Accepted.
No Membership Fee.
Internationally Accepted and Worldwide Recognition.
| CREDIT DISCLOSURE |
|
|
Annual Percentage Rate (APR) for Purchases and Cash Advances |
Fixed
16.90%* |
| Grace Period for Re-Payment of Balances for Purchases |
25 Days to Repay Balances for Purchases before Charged a Finance Charge |
Method of Computing
Balance for Purchases |
Average Daily Balance
(includes new transactions) |
| Annual Membership Fee |
None |
| Minimum Finance Charge |
$1.00 |
Transaction Fee for
Purchases |
None |
Transaction Fee for
Cash Advances |
3.00% Amount Advanced or $5.00 Minimum or 25.00 Maximum |
| Late Payment Fee |
$35.00 |
Over-the-Credit-Limit
Fee |
$35.00 |
Gold MasterCard
Get the credit card of choice. Apply for yours today!
National, Regional and Local ATM Access for Cash Advance
Wherever MasterCard/VISA is Accepted.
No Membership Fee.
Internationally Accepted and Worldwide Recognition.
The Credit You Want
Minimum of $5,000
Preferred Customer Service.
Master Assist and Rental Services.
Common Carrier Protection of $500,000.
| CREDIT DISCLOSURE |
|
|
Annual Percentage Rate (APR) for Purchases and Cash Advances |
Fixed
13.90%* |
| Grace Period for Re-Payment of Balances for Purchases |
25 Days to Repay Balances for Purchases before Charged a Finance Charge |
Method of Computing
Balance for Purchases |
Average Daily Balance
(includes new transactions) |
| Annual Membership Fee |
None |
| Minimum Finance Charge |
$1.00 |
Transaction Fee for
Purchases |
None |
Transaction Fee for
Cash Advances |
3.00% Amount Advanced
or $5.00 Minimum or 25.00 Maximum |
| Late Payment Fee |
$35.00 |
Over-the-Credit-Limit
Fee |
$35.00 |
GenoaBank Debit/ATM Card
FREE STAR ATM Transactions.
FREE Jeanie ATM Transactions.
$2.00 Cirrus ATM Transactions.
FREE Point of Sale Transactions wherever MasterCard Debit Cards are Accepted.
Credit Card and Debit/ATM Card Customer Service
For lost/stolen Credit and Debit/ATM Cards, please contact us:
Monday - Friday (8:00 AM - 5:00 PM) at 419-855-8381
After Normal Business Hours and Weekends:
For Credit Card: 800-325-3678
For Debit/ATM Card: 800-528-2273
Your MasterCard® Debit Card is Eligible for MasterCard® SecureCode™
A free, new online security service to help guard against unauthorized use of your MasterCard online. The next time you shop online at a participating merchant, a window will appear asking you to confirm your identity and create a personal SecureCode™. Once enrolled, enjoy added peace of mind when you shop online. Please click here to create your SecureCode now.
*Effective as of December 1, 2011
For more information on our Credit Card or Debit/ATM Cards e-mail us at info@genoabank.com.
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