Credit Cards
CSB Visa®
Introducing your “Hometown” VISA®. We offer a very competitive rate at just 9.9% APR with no annual fee. As your local community bank, your application is conveniently handled directly by us. If you have a question, we’re here to answer it. Community State Bank. Where local matters.
| INTEREST RATE AND INTEREST CHARGES | |
|---|---|
| Annual Percentage Rate (APR) for Purchases | 9.9% |
| APR for Balance Transfers | 9.9% |
| APR for Cash Advances | 15.0% |
| Penalty APR and When It Applies | None |
| Paying Interest | Your Due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases or balance transfers if you pay the entire balance by the due date each month. We will begin charging interest on cash advances on the transaction date. |
| Minimum Interest Charge | None |
| For Credit Card Tips from the Consumer Protection Bureau | To learn more about the factors to consider when applying for or using a credit card, visit the website of the Consumber Protection Bureau at: http://www.consumerfinance.gov/learnmore, |
| FEES | |
|---|---|
| Annual Fees | None |
| Transaction Fees | |
- Telephone Payment Fee | 1) No charge for automated payments |
- Copy Fee | $5.00 per statement copy except in the case of billing errors |
- Immediate Credit Line increase | $30.00 per increase |
- Foreign Transaction Fee | up to 2% of each transaction in U.S. dollars |
| Penalty Fees |
|
- Late Payment Fees | Up to $25.00 |
| Other Fees |
|
- Overdraft Protection | $3.00 per transaction if Overdraft Protection is selected on your account |
| How will we calculate your balance? We use a method called "average daily balance (including new purchases)." See your account agreement for more details. | |
| Billing Rights: Information on your rights to dispute transactions and how to exercise these rights is provided in your account agreement. | |
Overdraft Protection for CSB Checking is $3.00 for each transfer, great security for your checking needs!
Payments can be made by ACH Autopay, from a CSB Checking or Statement Savings at no charge. You arrange how you’d like your bills paid, and it will be paid automatically, choose from:
- Pay in Full
- Pay the minimum payment due
- Pay a fixed amount each month (e.g. $50/month)
Payments can be made at CSB – any branch: inside, drive up, night drop box. Payments are posted on the 2nd business day & backdated to the date received (e.g. – payment made on Monday @ CSB, posted to Credit Card Computer Tuesday and customer has access to funds on Wednesday) Payments can also be made online go to www.mycardstatement.com.
New Accounts receive cards in approximately 1 week
Local customer service – call any CSB Branch with questions, drop off payments at any branch.
After hours balance inquiries or lost/stolen cards 1-800-423-7503. Or go online to www.mycardstatement.com
Debt consolidation is Simple! Bring in your current credit card bill and we will take care of payment and transfer your balance to your CSB card. No Fee involved.
- Have you lost your card?
Call (800)423-7503 or (800)847-2911 - If Card is found, cut up and send to:
P.O. Box 24747
Tampa, FL 33623
Contact Us or call (989)865-9945 Extension 4022 for additional information.
A copy of our Credit Card Agreement is available upon request Please call 989-865-4022 or write to PO Box 10 Saint Charles, MI 48655