Important Account Disclosures

Click below to view Important Account Disclosures:

• VISA Debit and ATM Card Disclosure opens in a new window
• VISA Credit Card Disclosure Agreement
• Consumer Important Account Information (Terms, Conditions, Funds Transfer, Funds Availability)opens in a new window
• Business Account Important Account Informationopens in a new window
• Online Banking Agreement and Disclosure

• • General Terms and Conditionsopens in a new window
  • “E-Statements Service

• Fee Scheduleopens in a new window

“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 credit products sold in collection with the credit transaction; an applicable 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).”

This is in response to the Transparency in Coverage (TiC) Rule. The TiC Final Rule was issued November 12, 2020. This is a rule issued by The Department of Health and Human Services, the Department of Labor, and the Department of the Treasury (collectively, “the Departments”) and requires healthcare plans and insurers (“payers”) to disclose their in-network and out-of-network commercial medical rates in a machine-readable file on a public facing webpage. A machine-readable file is a document with content that can be readily processed by computers and displayed in a standardized format for members to access. To comply with this rule, Humana published machine-readable files to their public-facing Plan and Issuer Price Transparencyopens in a new window webpage on July 1, 2022. Once on this webpage, individuals can access both the in-network and an out-of-network files.

We do business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act.

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