FIRST NATIONAL BANK OF MUSCATINE
First National Bank of Muscatine
Consumer Credit Card Application
Thank you for your interest in First National Bank of Muscatine. Our general trade area is Muscatine County, Iowa and the surrounding contiguous counties. We welcome all applications from our designated market area.
Date:
Please Check :
Individual Credit (relying on my income or assets)
We intend to apply for Joint Credit (will be based upon credit information of both applicants) initials: ____ ____
Applicant / Co-Applicant Information
Applicant Name: Email Address:
Present Address:
City
State
Zip Code
Yrs at present address: Phone No:
S.S. No: Birth Date:
Name, Address, Phone no. of nearest relative not living with you:
Employer (Company Name and Address):
How Long: Bus. Phone:
Gross Monthly Income: $
Alimony, child support, or separate maintenance income need not be revealed if you do not wish to have it considered as a basis for repaying this obligation.
Sources of Other Income: Amount Per Month: $
Co-Applicant Name: Email Address:
Gross Salary Per Month: $
Debt Information
Creditor
Present Balance
Mo. Payment
Creditor:
Mortgage Holder:
$
Credit Cards:
Automobiles (make, model, year)
TOTAL DEBTS
Read before signing. This Application is submitted to open the account(s) and to obtain the credit requested. I/we certify that all the information herein is true and complete and authorize First National Bank of Muscatine (Bank) to check my/our credit and employment history before offering the credit applied for in this Application to the undersigned and thereafter for future evaluations of approved credit lines and any modifications or renewals of credit terms. The Bank is also authorized to exchange credit information with consumer reporting agencies and other financial institutions and, if requested will provide their names and address to the applicant(s).
Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account in order to help the government fight the funding of terrorism and money laundering activities. This means that when you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents.
No applicant may be denied a credit card on the basis of race, color, religion, national origin, ancestry, age, sex, marital status, physical or mental handicap unrelated to his/her ability to pay or unfavorable discharge from military service. The applicant may request the reason for rejection of his or her application for a credit card. No person need reapply for a credit card solely because of a change in marital status unless the change in marital status has caused a deterioration in the person's financial position. A person may hold a credit card in any name permitted by law that he/she regularly uses and is generally known by, so long as no fraud is intended thereby. All applicants and co-applicants applying for credit must sign and will be jointly and individually liable for all credit extended. Each applicant who signs agrees to be subject to the state laws of Iowa, the Bank's rules and regulations, and the terms and conditions of the credit agreement.
Annual
Free Period or
Percentage Rate
Grace Period
Fee
(Finance Charge)
Introductory Annual Percentage Rate (APR) will be 2.90% for 6 months.
After 6 months, the APR will increase to 13.70%.
No finance charge will be assessed on purchases of goods or services if Bank receives payment in full within 25 days of the closing date of the prior billing period. On cash advances, finance charges accrue from the day the cash advance posts to your account, until the day Bank receives payment in full.
None
Finance Charge
Other
Transaction
Calculation
Fees
Method
Average Daily Balance Method, including new purchases, $.50 Minimum Finance Charge.
Returned Check Fee $15.00
Over Credit Limit Fee $15.00
Late Payment Fee $15.00
Cash Advance Fee - 2% of Advance ($2.00 minimum, $10.00 maximum)
Request for Automatic Monthly Payments: I would like to have monthly payments on this credit card account automatically paid from my checking or savings account listed below. I authorize you to initiate an automatic monthly payment on the Payment Due Date shown on each monthly statement for the following amount (check one): Minimum Payment Due ___; Entire Amount of the Last Statement Balance ___; or Fixed Monthly Payment Amount ___ (if selected, fill in monthly payment amount $_____). You can stop payment at any time by notifying us orally or in writing at least three (3) business days before any scheduled payment. Detailed provisions regarding preauthorized payments are stated in the Cardholder Agreement you receive with your card.
Checking Account Number___________________ Financial Institution ____________________ Signature _______________
Savings Account Number ____________________ Transit Routing Number ___________________Date _________________
Request to Consolidate Existing MasterCard or Visa Accounts. Yes, upon approval, I/we want to transfer the amount shown below on the credit card account(s) listed below as a cash advance to my/our new Visa credit card with the Bank.
Cardholder
Address
Account #
Transfer Amount $
Applicant's Signature Date
Comments
Illinois Residents Only: Residents of Illinois may contact the Illinois Commissioner of Banks & Trust Companies for comparative information on interest rates, charges, fees, and grace periods. State of Illinois - CIP, PO Box 10181, Springfield, IL 62791, 800-634-5452.
The above fee and term information is correct as of 9/28/01 printing and is subject to change. Please contact Bank at P.O. Box 539, Muscatine, IA, 52761 to find out what might have been changed.
REMINDER: If you wish to send your application to us online, we want to remind you that e-mail applications are not necessarily secure against interception. Applications, by their nature, include personal and confidential information such as: your social security number and financial information. Therefore, you may wish to consider printing our application, completing it, and sending it to us via U.S. postal mail.
Once we receive this application we will be in touch with you to follow-up and receive your signature(s).
If you choose to print this application at this time, please select the landscape option in the "Page Setup" function for best viewing.
Signature Date
Update 05/04
