Rolfe State Bank

      

 

 

 

 

RSB MasterCard

The Hometown Card...With Worldwide Acceptance

**Click on the MasterCard logo above to access your account information.**

 

Being a hometown bank brings with it a lot of responsibility...to the community and to you, our friends and neighbors.  That's why we want to offer a credit card with a difference...one that's backed by hometown personal service.  We strive to give you the kind of special attention that a large out-of-town credit card issuer just cannot.

 

Our card is accepted at millions of merchant locations for purchases and services and at thousands of automated teller machines for cash.  So, stop in or call to apply for your hometown credit card today!

We offer one of the lowest rates in the area on MasterCard, 12.84% A.P.R. and a 25 day grace period on all purchases.  The Rolfe State Bank MasterCard is a fixed-rate card, not one that will jump 15% or 18% in 6 months or a year.  Now we offer NO ANNUAL FEE to any Rolfe State Bank customer who maintains an average daily balance of $1,500 in any DDA Account, or who maintains CDs or IRAs with a balance of at least $2,500.
 

When you use the Rolfe State Bank MasterCard for the purchase of goods or services, the following benefits are yours!

 

When you use the Gold MasterCard Credit Card for the purchase of goods or services, the following additional benefits are yours!

 

Additional Gold MasterCard Benefits:

 

Annual Percentage Rate (APR) for Purchases
12.84%

Method of Computing Balance for Purchases

Grace Period For Purchases

Average Daily Balance Including New Purchases

25 Days*
Annual Percentage Rate (APR) for Balance Transfers
12.84%

*A finance charge will be imposed on Credit Purchases only if you elect not to pay the entire new balance shown on your monthly statement for the previous billing cycle within 25 days from the closing date of that statement.  If you elect not to pay the entire new balance shown on your previous monthly statement within that 25-day period, a finance charge will be imposed on the unpaid average daily balance of such Credit Purchases from the date of posting to your account during the current billing cycle, and will continue to accrue until the closing date of the billing cycle preceding the date on which the entire new balance is paid in full or until the date of payment if more than 25 days from the closing date.  The finance charge for a billing cycle is computed by applying the monthly periodic rate to the average daily balance of Credit Purchases, which is determined by dividing the sum of the daily balances during the billing cycle by the number of days in the cycle.  Each daily balance of Credit Purchases is determined by adding to the outstanding unpaid balance of Credit Purchases at the beginning of the billing cycle any new Credit Purchases posted to your account, and subtracting any payments as received or credits as posted to your account, but excluding any unpaid finance charges.
Other APR's
Cash-Advance APR:  12.84%

Annual

Membership

Fee

Basic:  $12.00

Gold:  $24.00
Late Payment Fee
$10.00

Method of Computing Balance for Cash Advances
Over the Limit Fee
$10.00
A finance charge will be imposed on Cash Advances from the date made or from the first day of the billing cycle in which the Cash Advance is posted to your account, whichever is later, and will continue to accrue on the unpaid average daily balance of such Cash Advances until the date of payment if paid during the same billing cycle, or until the closing date of the billing cycle preceding the date on which the entire new balance is paid in full or until the date of payment if more than 25 days from the closing date.  If the new balance shown on your monthly statement for the prior billing cycle is paid in full within 25 days of the closing date of that statement, no finance charges will be imposed during the current billing cycle for Cash Advances posted to your account during previous billing cycles.
The finance charge for a billing cycle is computed by applying the monthly periodic rate to the average daily balance of Cash Advances, which is determined by dividing the sum of the daily balances by the number of days in the billing cycle.  Each daily balance of Cash Advances is determined by the billing cycle any new Cash Advances posted to your account, and subtracting any payments as received or credits as posted to your account, but excluding any unpaid Finance Charges.
Cash Advance Fee
NONE
Balance Transfer Fee
NONE

The information listed above is accurate as of 05/08/2006. Because rates and terms are subject to change, you may contact us for the current information by writing to Rolfe State Bank, 316 Garfield St., Rolfe, IA  50581.

Rolfe State Bank MasterCard holders may access their own account information in a safe, secure environment at no cost to the customer.  Just click on the MasterCard logo at the top of the page to connect directly to this valuable information from our website.

 

Rolfe State Bank MasterCard is pleased to announce that the Falcon Neural Network has been added to our credit card processing system.  It is considered the leading fraud detection software in the industry, used by 90% of the top issuers in the U.S.  It works like this:  Falcon uses individual cardholder, transaction and merchant data to develop a profile of use for you, our customer.  Each time you initiate a transaction, it will pass through the system and be compared to previous transactions and scored for the likelihood of fraud.  Where there is a high probability of fraud, you will be contacted directly by phone for confirmation of the suspected transaction.

 

Now your "Hometown Card" provides you with more security of use and availability of information than ever before!

 

 

If your MasterCard has been lost or stolen,

please call 800-325-3678 to report it immediately.