Important cost information about our credit card

(APR) Annual Rate for Purchases

APR for Balance Transfers

0% introductory APR for six (6) months. After that, your APR will be

11.15%. The APR in effect after your introductory APR expires will vary with the market based on the Prime Rate.

APR for Cash Advances

15.15%. This APR will vary with the market based on Prime Rate

Penalty APR and When it Applies

21.75%. This APR may be applied to your account if you make a late payment. How long will the Penalty APR apply? If your APRs are increased for the above reason, the Penalty APR will apply until your make six (6) consecutive payments of a least the minimum payment when due.

Paying Interest

Your due date is at least 21 days after the close of each billing cycle. We will not charge your interest on Purchases if you pay your entire balance by the due date each month. Generally, we will begin charging interest on Cash Advances and Balance Transfers on the transaction date.

Minimum Interest Charge

If you are charged interest, the charge will be no less than $0.50.

For Credit Card Tips from the Federal Reserve Board

To learn more about factors to consider when applying for or using a credit card, visit the Federal Reserve Board's website at http://www.federalreserve.gov/creditcard.



Annual Fee


Transaction fees

  • Balanced Transfer

  • Cash Advance

  • Foreign Transaction

Three percent (3%) of the amount of the Balance Transfer with a $15 minimum and no maximum.

Three percent (3%) of the amount of the Cash Advance with a $15 minimum and a $50 maximum.

Two percent (2%) of the U.S. dollar amount of each Cash Advance or Purchase

Penalty Fees

  • Late Payment

  • Returned Payment

  • Over the Credit Limit

$15 if New Balance is less than $100, $29 if New Blance is from $100 to $999.99, $39 if New Balance is $1,000 or more.




*Your APR for Purchases, Balance Transfers and Cash Advances will be determined when your account is opened based on our review of your credit report and verification of your credit responsibility.

How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)."

How we Determine APRs: The Purchase and Cash Advance APRs are determined by adding a Margin to the Prime Rate. The Prime Rate is the highest Prime Rate published in the Wall Street Journal Money Rates table on the fifteenth (15th) day of each month, or the next business day, if the 15th falls on a weekend or holiday. The APR for Purchases and Cash Advances will not exceed 25.00%, but if the Penalty APR applies it will not exceed 27.90%.

Margin: We will add 7.9% to the Prime Rate to determine the APR for Purchases. We will add 11.9% to the Prime Rate to determine the APR for Cash Advances. We will add 18.50% to the Prime Rate to determine the Penalty APR.

Cardholder Agreement:

For additional information about the costs and terms of the Account, see your Cardholder Agreement, which will be sent with the Card. The Cardholder Agreement and the Account will be governed by Missouri and applicable federal law, but we will rely on the provisions of Nebraska law with respect to the fees and charges (other than interest) that apply to your Account, as authorized by Missouri Revised Statues Section 408.145. The Cardholder Agreement permits us to change the terms of this Account, including the rates, fees and other credit terms, upon notice to cardholder and subject to the provisions of applicable law.

Important information About Procedures For Opening A New Account: Our bank complies with Section 326 of the USA PATRIOT Act. This law mandates that we collect and verify certain information about you while processing your Account application. Please talk with a Bank representative if you have questions.

Important: This information about the costs of credit cards is accurate as of February 1, 2010, the date this document was printed. This information may have changed after that date. To find our what may have changed, call us at 800-821-5184 or write to us at UMB, n.a.,P.O. Box 419734, Kansas City, Missouri 64141-6734.

Customer Service



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