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Credit & Debit Cards

Quick and Easy Transactions with a Visa® Debit or Credit Card from Raccoon Valley Bank

Life is better when money matters are easy. A Visa® debit card or credit card from Raccoon Valley Bank not only makes purchasing life’s everyday essentials quick and easy, but also simple to manage. From purchasing food for your family, to gas, to feed for your animals, a Visa® debit card or credit card from Raccoon Valley Bank  introduces simplicity into your financial management.

Visa® Credit Cards from Raccoon Valley Bank

When used correctly, credit cards can be a great financial tool for anyone. Raccoon Valley Bank  offers the Visa® Classic credit card as well as the Visa® Gold Rewards card to suit your individual needs. Aside from worldwide use anywhere Visa® credit cards are accepted and the power to earn points toward travel and other rewards, using a Visa® credit card from Raccoon Valley Bank  also comes with these benefits:

  • Low annual percentage rates and no finance charges on new purchases paid during your grace period.
  • Make local credit card payments at any Raccoon Valley Bank  location.
  • Speak with a Raccoon Valley Bank staff member with any questions you have about your credit card account.
  • Access your credit card account online (www.mycardstatement.com) to view transactions, make a payment or set up recurring payments, see detailed spending reports and more.
  • Redeem your points at www.scorecardreewards.com (for Visa® Gold card holders)

Be sure to apply today by using Raccoon Valley Bank ’s simple Credit Card Application!

Debit & ATM Cards

The Visa® debit or ATM card from Raccoon Valley Bank  allows you to make purchases or withdraw cash quickly and easily. Usable at any ATM location or at local businesses, using your Visa® debit card automatically debits funds from your checking account. Additionally, you can use your Raccoon Valley Bank  debit card at any Privileged Status ATM nationwide without paying a transaction fee!

With the Visa® debit card and ATM card from Raccoon Valley Bank , there is no more check writing or waiting in line to get cash, just simple and quick transactions.

Get Your Raccoon Valley Bank  Debit Card or Credit Card Today

You can stop by any Raccoon Valley Bank  location to learn more about getting your own Visa® debit card or Visa® credit card today. You can also use the online Credit Card Application to apply for your credit card from Raccoon Valley Bank .

Interest Rates and Interest Charges 
Annual Percentage Rate (APR) for Purchases2.90% introductory APR for six month. After that you APR will be 8.50%. This APR will vary with the market based on the Prime Rate.
APR for Balance Transfers2.90% introductory PAR for six months. After that your APR will be 8.50%. This APR will vary with the market based on the Prime Rate.
Paying InterestYour due date is at least 25 days after the close orf each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month. We will begin on charging interest on cash advances on the transaction date.
For Credit Card Tips from the Consumer Financial Board WebsiteTo learn more about factors to consider when applying for yor using a credit card, visit the website of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore
Fees
Annual FeeClassic – None Gold – $25.00

Transaction Fees

  • Cash Advance
  • Lender’s ATM Fee
  • Foreign Transaction

Either $0.00 or 2.00% of the amount of each cash advance, whichever is greater

$2.00

None

1% of each transaction in U.S. dollars

Penalty Fees

  • Late Payment
  • Return Payment

Up to $15.00

Up to $15.00

 

How Will We Calculate Your Balance:
We use a mehtod called "Average Daily Balance (including new purchases)".
Loss of Introductory APR
We amy end your introductory APR if you make a late payment.
The information in this table was printed and is accurate as of 12-28-2015 and is subject to change after this date. Contact your community banker to learn of any change in the information since it was printed by mailing your request to Raccoon Valley Bank, 1009 Court St, Adel Iowa 50003.
NOTICE:
You agree that we may obtain and use consumer credit reports and exchange credit information in connections with this offer and any update, renewal or extension of credit we may extend to you. If you request, we will inform you whether any credit report was requested and, if so, the name and address of the consumer reporting agency which funrished the report. As permitted by law, we Raccoon Valley bank affiliates and others. Complete details regarding our rights to share information will be provided to you after an account is established. You agree that we will consider this an Application for  a Visa Gold account. You agree that we reserve the right, based upon our evaluation of information furnished by you or others, not to open an account. You must be at least 18 years old to qualify (19 in AL and NE; 21 in MS). Married applicants may apply for separate credit.
Anti-Terrorism:
To help our government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. To process the Application, we must have your name, street address, date of birth and other identifying information, and we may ask for identifying documents from you as well.
State Laws Require the Following Notices:
California Residents: A married applicant may apply for a separate account. After approval, each applicant shall have the right to use this account to the extent of the credit limit set by the creditor and each applicant may be liable for the amount extended under this account to any joint applicant. Delaware Residents: Service charges not in excess of those permitted by law will be charged on the outstanding balances from month to month. New York Residents: New York residents may contact the New York State Banking Department at 1-800-518-8866 to obtain a comparative listing of credit card rates, fees and grace periods. Ohio Residents: The Ohio laws against discrimination require that all creditors make credit equally available to all creditworthy customers, and that credit reporting agencies maintain separate credit histories on each individual upon request. The Ohio Civil Rights Commission administers compliance with this law. Married Wisconsin Residents: Your signature confirms that this loan obligation is being incurred in the interest of your marriage or family. No provision of any marital property agreement, unilateral statement or court decree adversely affects a creditor's interest unless, prior to the time the credit is granted, the creditor is furnished a copy of the agreement, statement or decree or has actual knowledge of the adverse provision.
Applicable Law:
The above rates and fees are governed, as are you Cardholder Agreement and Account, by the laws and regulations of the State of Iowa, as well as the applicable laws and regulations of the United States of America.