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| Personal Banking |
| Credit Cards |
Now you can select a card that best meets your needs - Visa, MasterCard, or MasterCard Gold. Our unique Choices Program allows you to choose the rate and fee structure according to use. For credit, convenience, and security, CSB offers real flexibility in the card you carry. CSB Credit Cards are issued especially for the customers of CSB by Carlinville National Bank.
- Visa Card*: Low interest rate of 11.8% (APR 11.80%). Interest
is calculated from date of posting to your account (no grace period).
This is the card to use if you're planning to use the credit.
- MasterCard*: Low interest rate of 14.8% (APR 14.80%). A 25-day
grace period means finance charges can be avoided by paying monthly
balances in full within this period.
- MasterCard Gold*: Low interest rate of 14.8% (APR 14.80%).
This is the card for prestige and benefits like a 25 days grace period,
MasterAssist® Travel Assistance, Master Purchase® Retail Protection,
and much more.
| * Fees |
| Annual Fee |
None
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| Late Fee |
$25.00
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| Overline Fee |
$25.00
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| Minimum Finance Charge |
$1.00
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| Cash Advance Fee |
3%; minimum of $3.00
maximum of $20.00
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| Minimum Payment |
3%; mimimum of $10.00
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| Non-sufficient Funds Fee |
$25.00
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| Replacement Card Fee |
None
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| Statement Copies Fee |
$3.00
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| Draft Retrieval Fee |
$3.00
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| Grace Period |
M/C & M/C Gold, 25 days;
Does not apply to cash advances
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| Late Payments |
20.87% APR assessed on all accounts 60 days or more past |
For account information and account balances, call the Card Service Center at 800-876-9119.
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