Credit Cards

Application required. Please stop by the bank to pick up an application.

Visa™ and MasterCard™ Credit Cards

Our card is unique! Our card charges no fees or penalties for:

• Cash advances
• Late payments
• Over-limit transactions
• Balance transfers

Our interest rate does not increase due to late payments, cash advances, or over-limit transactions!

The payment due date is at least 25 days after the close of each billing cycle per regulation but additional interest charges may be avoided if the balance is paid in full within 35 days of the closing date, which includes a 10 day grace period. We use the average daily balance method including purchases for computing the balance on your account.  Earn Rewards by Using Your First State Bank Credit Card You earn points toward gifts and travel rewards just by using your First State Bank of Newcastle Visa tm or MasterCard tm.  You earn 1 point for every $1 you charge on your card.  Choose from gift awards, airline travel, rental car discounts and coupons, and hotel coupons.  Your monthly statement will include details about how many points you have earned.

Go to www.scorecardrewards.com to browse the awards and obtain an order form to redeem your points.

www.scorecardrewards.com

You can view important information about your credit card online.

Go to www.MyCardStatement.com to:

• Check your balance, available credit and transactions since your last statement
• Get credit card account summary information
• Get an online credit card statement
• Download data to financial software such as Quicken™ or Money™
• Make online credit card payments
• Get transaction and spending reports

For Lost or Stolen Credit Card Call:

1-800-325-3678

First State Bank is not liable for any failure of products or services advertised on the links listed on the bank’s website.

Credit Card Agreement available under the Disclosures.