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Accepted worldwide, a VISA or MasterCard from First National Bank and Trust gets you all the personal attention you deserve! Enjoy the following benefits:

  • Automatic travel accident insurance
  • Toll-free travel reservation service
  • Bonus travel dividends
  • Key registration
  • Credit card registration
  • Quarterly newsletter
  • Extended warranty
  • 90-day product protection
  • Debit protection plan available

Interest Rates & Interest Charges

Visa® & MasterCard®

  • Annual Percentage Rate (APR) for purchases – 16.08% fixed
  • APR for balance transfers – 16.08% fixed
  • APR for cash advances – 16.08% fixed
  • Penalty APR and when it applies – none
  • Minimum interest charge – none
  • How to avoid paying interest on purchases: Your due date is at least 25 days after the close of each billing cycle. We will not charge you interest on purchases if you pay your entire balance by the due date (grace period) each month.
  • 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 website of the Federal Reserve Board at www.consumerfinance.gov/learnmore.


  • Annual Fee – $12.00

Transaction Fees

  • Balance transfer – none
  • Cash advances – none
  • Foreign transaction – none

Penalty Fees

  • Late payment – 5.00% of payment due
  • Over-the-credit-limit – none
  • Returned payment – none

Other Fees

  • None

How we will calculate your balance: We use a method called “average daily balance” (including new purchases). An explanation of this method is provided in your account agreement. Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement.