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PERSONAL BANKING
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eStatements
MORTGAGE
INSURANCE
TRUST
BROKERAGE
Personal Credit Application
Visa Platinum with Rewards
*
Credit Limit Requested ($500 Minimum)
$
*
Please Check One
Individual Account
Credit Limit Increase
Joint Credit
IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT:
To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify and record information that identifies each person who opens an Account. What this means for you: 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.
Applicant
*
Last Name
*
First Name
*
Middle Name
*
SSN
*
Date of Birth (MM/DD/YYYY)
*
Phone
*
Email
*
Current Address
*
City
*
State
None
Alabama
Alaska
Arizona
Arkansas
California
Colorado
Connecticut
Delaware
Florida
Georgia
Hawaii
Idaho
Illinois
Indiana
Iowa
Kansas
Kentucky
Louisiana
Maine
Maryland
Massachusetts
Michigan
Minnesota
Mississippi
Missouri
Montana
Nebraska
Nevada
New Hampshire
New Jersey
New Mexico
New York
North Carolina
North Dakota
Ohio
Oklahoma
Oregon
Pennsylvania
Rhode Island
South Carolina
South Dakota
Tennessee
Texas
Utah
Vermont
Virginia
Washington
West Virginia
Wisconsin
Wyoming
*
Zip
*
How Long (yrs)
Mailing Address
(if different from above)
City
State
None
Alabama
Alaska
Arizona
Arkansas
California
Colorado
Connecticut
Delaware
Florida
Georgia
Hawaii
Idaho
Illinois
Indiana
Iowa
Kansas
Kentucky
Louisiana
Maine
Maryland
Massachusetts
Michigan
Minnesota
Mississippi
Missouri
Montana
Nebraska
Nevada
New Hampshire
New Jersey
New Mexico
New York
North Carolina
North Dakota
Ohio
Oklahoma
Oregon
Pennsylvania
Rhode Island
South Carolina
South Dakota
Tennessee
Texas
Utah
Vermont
Virginia
Washington
West Virginia
Wisconsin
Wyoming
Zip
How Long (yrs)
*
Previous Address
*
City
*
State
None
Alabama
Alaska
Arizona
Arkansas
California
Colorado
Connecticut
Delaware
Florida
Georgia
Hawaii
Idaho
Illinois
Indiana
Iowa
Kansas
Kentucky
Louisiana
Maine
Maryland
Massachusetts
Michigan
Minnesota
Mississippi
Missouri
Montana
Nebraska
Nevada
New Hampshire
New Jersey
New Mexico
New York
North Carolina
North Dakota
Ohio
Oklahoma
Oregon
Pennsylvania
Rhode Island
South Carolina
South Dakota
Tennessee
Texas
Utah
Vermont
Virginia
Washington
West Virginia
Wisconsin
Wyoming
*
Zip
*
How Long (yrs)
*
Employer
(self-employed? attach latest tax return)
*
Position/Occupation
*
Work Phone
*
Date Employed
*
Employer Address
*
City
*
State
None
Alabama
Alaska
Arizona
Arkansas
California
Colorado
Connecticut
Delaware
Florida
Georgia
Hawaii
Idaho
Illinois
Indiana
Iowa
Kansas
Kentucky
Louisiana
Maine
Maryland
Massachusetts
Michigan
Minnesota
Mississippi
Missouri
Montana
Nebraska
Nevada
New Hampshire
New Jersey
New Mexico
New York
North Carolina
North Dakota
Ohio
Oklahoma
Oregon
Pennsylvania
Rhode Island
South Carolina
South Dakota
Tennessee
Texas
Utah
Vermont
Virginia
Washington
West Virginia
Wisconsin
Wyoming
*
Zip
*
Monthly Gross Income
$
*
Previous Employer
*
How Long (yrs)
*
Previous Employer Address
*
City
*
State
None
Alabama
Alaska
Arizona
Arkansas
California
Colorado
Connecticut
Delaware
Florida
Georgia
Hawaii
Idaho
Illinois
Indiana
Iowa
Kansas
Kentucky
Louisiana
Maine
Maryland
Massachusetts
Michigan
Minnesota
Mississippi
Missouri
Montana
Nebraska
Nevada
New Hampshire
New Jersey
New Mexico
New York
North Carolina
North Dakota
Ohio
Oklahoma
Oregon
Pennsylvania
Rhode Island
South Carolina
South Dakota
Tennessee
Texas
Utah
Vermont
Virginia
Washington
West Virginia
Wisconsin
Wyoming
*
Zip
Source of Additional Income
(income from alimony, child support or separate maintenance need not be revealed if it is not to be considered in determining creditworthiness)
Amount Per Month
$
*
Nearest Relative Not Living With You
*
Phone
*
Relationship
*
Relative’s Address
*
City
*
State
None
Alabama
Alaska
Arizona
Arkansas
California
Colorado
Connecticut
Delaware
Florida
Georgia
Hawaii
Idaho
Illinois
Indiana
Iowa
Kansas
Kentucky
Louisiana
Maine
Maryland
Massachusetts
Michigan
Minnesota
Mississippi
Missouri
Montana
Nebraska
Nevada
New Hampshire
New Jersey
New Mexico
New York
North Carolina
North Dakota
Ohio
Oklahoma
Oregon
Pennsylvania
Rhode Island
South Carolina
South Dakota
Tennessee
Texas
Utah
Vermont
Virginia
Washington
West Virginia
Wisconsin
Wyoming
*
Zip
Co-Applicant
Authorized User Only
(do not check if applying jointly)
*
Last Name
*
First Name
*
Middle Name
*
SSN
*
Date of Birth
*
Phone
Please Check One
Own
Rent
Other
*
Current Address
*
City
*
State
None
Alabama
Alaska
Arizona
Arkansas
California
Colorado
Connecticut
Delaware
Florida
Georgia
Hawaii
Idaho
Illinois
Indiana
Iowa
Kansas
Kentucky
Louisiana
Maine
Maryland
Massachusetts
Michigan
Minnesota
Mississippi
Missouri
Montana
Nebraska
Nevada
New Hampshire
New Jersey
New Mexico
New York
North Carolina
North Dakota
Ohio
Oklahoma
Oregon
Pennsylvania
Rhode Island
South Carolina
South Dakota
Tennessee
Texas
Utah
Vermont
Virginia
Washington
West Virginia
Wisconsin
Wyoming
*
Zip
*
How Long (yrs)
*
Previous Address
*
City
*
State
None
Alabama
Alaska
Arizona
Arkansas
California
Colorado
Connecticut
Delaware
Florida
Georgia
Hawaii
Idaho
Illinois
Indiana
Iowa
Kansas
Kentucky
Louisiana
Maine
Maryland
Massachusetts
Michigan
Minnesota
Mississippi
Missouri
Montana
Nebraska
Nevada
New Hampshire
New Jersey
New Mexico
New York
North Carolina
North Dakota
Ohio
Oklahoma
Oregon
Pennsylvania
Rhode Island
South Carolina
South Dakota
Tennessee
Texas
Utah
Vermont
Virginia
Washington
West Virginia
Wisconsin
Wyoming
*
Zip
*
How Long (yrs)
*
Employer
(self-employed? attach latest tax return)
*
Position/Occupation
*
Work Phone
*
Date Employed
*
Employer Address
*
City
*
State
None
Alabama
Alaska
Arizona
Arkansas
California
Colorado
Connecticut
Delaware
Florida
Georgia
Hawaii
Idaho
Illinois
Indiana
Iowa
Kansas
Kentucky
Louisiana
Maine
Maryland
Massachusetts
Michigan
Minnesota
Mississippi
Missouri
Montana
Nebraska
Nevada
New Hampshire
New Jersey
New Mexico
New York
North Carolina
North Dakota
Ohio
Oklahoma
Oregon
Pennsylvania
Rhode Island
South Carolina
South Dakota
Tennessee
Texas
Utah
Vermont
Virginia
Washington
West Virginia
Wisconsin
Wyoming
*
Zip
*
Monthly Gross Income
$
Credit Information
Home Mortgage
Yes
No
*
Name Under Which Account is Carried
*
Account No
*
Balance
$
*
Monthly Payment
$
Rent
Yes
No
*
Monthly Payment
$
Bank Credit Card
Yes
No
*
Bank Name
*
Bank Address
*
City
*
State
None
Alabama
Alaska
Arizona
Arkansas
California
Colorado
Connecticut
Delaware
Florida
Georgia
Hawaii
Idaho
Illinois
Indiana
Iowa
Kansas
Kentucky
Louisiana
Maine
Maryland
Massachusetts
Michigan
Minnesota
Mississippi
Missouri
Montana
Nebraska
Nevada
New Hampshire
New Jersey
New Mexico
New York
North Carolina
North Dakota
Ohio
Oklahoma
Oregon
Pennsylvania
Rhode Island
South Carolina
South Dakota
Tennessee
Texas
Utah
Vermont
Virginia
Washington
West Virginia
Wisconsin
Wyoming
*
Zip
*
Name Under Which Account is Carried
*
Account No
*
Balance
$
*
Monthly Payment
$
Paying additional monthly items (child support, etc.)?
Yes
No
*
Monthly Payment
$
Interest Rate and Interest Charges
Annual Percentage Rate(APR) for Purchases
8.99%
APR for Balance Transfers
8.99%
APR for Cash Advances
13.99% (including Convenience Checks)
Penalty APR and When It Applies
13.99%
The Penalty APR is applied if your account becomes delinquent 60 days.
How long will the Penalty APR Apply?
The Penalty Annual Percentage Rate will apply until you make six consecutive minimum payments when due.
Paying Interest
Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases (excluding Cash Advances and Convenience Checks) if you pay your entire balance by the due date each month.
Minimum Interest Charge
NONE
For Credit Card Tips from Federal Reserve Board
To learn more about factors to consider when applying for or using a credit card, visit the website of the federal board at
http://www.FederalReserve.gov/CreditCard
Fees
Annual Fees
NONE
Transaction Fees
• Cash Advances
• Convenience Checks
• Balance Transfers
• Purchases
• International Transaction
2% of the amount advanced
2% of the check amount
3%
NONE
May be subject to applicable currency exchange fees through your Visa carrier
Penalty Fees
• Late Payment Fee
• Returned Payment Fee
• Overlimit Fee
Up to $35
Up to $35
Up to $35 (if opted-in)
Other Fees
• Expedited Card Issuance
• Replacement Card Fee
$15
$35
How will we 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.
Application of Late Fee:
You will be charged a late fee if a payment is not received within 10 days of the payment due date. The above disclosures are accurate at the date of printing (April 23, 2014). For changes that may have been made after printing, please call 870-612-3400 or 1-888-780-8391.
Military Lending Act Notice:
Federal law provides important protections to members of the Armed Forces and their dependents relating to extensions of consumer credit. In general, the cost of consumer credit to a member of the Armed Forces and his or her dependent may not exceed an annual percentage rate of 36 percent. This rate must include, as applicable to the credit transaction or account: The costs associated with credit insurance premiums; fees for ancillary products sold in connection with the credit transaction; any application fee charged (other than certain application fees for specified credit transactions or accounts); and any participation fee charged (other than certain participation fees for a credit card account).
Please call toll-free at 888-780-8391 to hear this disclosure orally, or for us to provide information describing how minimum payments are calculated.
Signature(s)
PLEASE READ THE FOLLOWING CAREFULLY BEFORE SIGNING:
This statement is submitted to obtain credit and I / We certify that all information herein is true and complete. I / We agree that inquiries may be made to verify information and that credit references or verification may be given based on inquiries from other parties. This offer is subject to the credit policies of this institution. I / We agree to be bound by the terms and conditions of the bank card agreement, a copy of which will be mailed to the applicant if this application is granted, receipt of such agreement and acceptance of such terms to be conclusively presumed by the applicant’s use. If this is a joint application, the undersigned shall be jointly and severally liable for any and all credit extended from time to time.
*
Applicant Signature
*
Date
*
Co-Applicant Signature
*
Date
We intend to apply for Joint Credit
Transfer of Balance Request
Upon approval, I wish to transfer my present balance on the credit card account(s) listed below to my new credit card account.
Yes
No
*
Credit Card Account No.
*
Amount To Be Transferred
$
*
Please attach a copy of your most recent statement(s)
Submit
Online Banking
Online Banking Login
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HOME
PERSONAL BANKING
Checking Accounts
Savings Accounts
Lending Services
Certificate of Deposit
Credit Cards
Debit Cards
Zelle®
Electronic Banking Services
E Statements
GenGold®
Overdraft Coverage Options
Swipe and Save
Veterans Benefits
Order Checks
Open Account
Verify New Account
BUSINESS BANKING
Checking Accounts
Savings Accounts
Treasury Management Services
Pinnacle Business Credit Card
Business Debit Card
Lending Services
Online and Mobile Banking
GenGold®
eStatements
MORTGAGE
INSURANCE
TRUST
BROKERAGE
About
About Us
Bloom With Us Initiative
History and Heritage
Reports
Statement of Conditions
Locations
Officers
Board of Directors
News & Articles
Customer FAQs
Customer Features
Careers
Locations & Rates
Calculators
Verify New Account
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