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Orchard Bank Online ecosmart Cards
The Orchard Bank Online ecosmart MasterCards are the perfect choice for giving back to the environment and yourself!
- The Orchard Bank ecosmart MasterCard is made using zero carbon emissions and with bio degradable material.
- Enroll your account online and choose to receive your statements electronically instead of by mail.
- Sign up for eAlerts - emails you designate to notify you of your account status and payment due dates.
- Earn 2 points for every dollar you spend with your card, and redeem for ecofriendly rewards, gift cards or cash back.
- Acceptance at millions of locations worldwide, including website purchases and reservations.
- Discounts available from MasterCard® at many of your favorite merchants when you enroll in the services at www.mcnearby.com.
- Maintain your account online anytime of the day using our helpful Account Management Tools.
- Enjoy standard Online Bill Pay at no charge, no matter how often you use it.
- Receive 100% Fraud Liability Protection automatically and set your personal customized spending alerts.
To learn more about our card selection process, Start Now.
| Introductory APR and Duration | Customary APR on Purchases and Balance Transfers | Penalty APR | Annual Fee | Other Fees to Open Account |
|---|---|---|---|---|
| n/a | Variable 14.90% or Variable 7.90% for Secured | Variable 29.49% | $0 - $60 for the first year, $35 - $79 per year thereafter | $0 - $19 Processing Fee |
*Rates are accurate as of 7/31/10. The variable Purchase APR applies to credit card purchases and is 14.90%. The variable Balance Transfer APR is 14.90% and applies to balance transfers and credit card checks, unless otherwise disclosed. The variable Cash APR is 20.90% and applies to cash advances. Your APRs may increase to the Penalty APR if you fail to make a minimum payment to us when due. The variable Penalty APR is 29.49%. A Balance Transfer Fee of 5% ($5 minimum) will apply to balance transfers and credit card checks, if available, unless otherwise disclosed. A Cash Advance Fee of 5% ($5 minimum) will apply to cash advances. The Minimum Interest Charge is $1.00. An Annual Fee between $39 and $60 for the first year and between $39 and $79 per year thereafter, and a one-time Processing Fee between $0 and $19 will apply, depending upon your creditworthiness. The Foreign Transaction Fee is 3% of the U.S. dollar amount on transactions made in a foreign currency.
If you accept a secured card offer, it come with a 7.90% variable Purchase APR, a $35 annual fee, waived the first year and no processing fee. All other terms apply. Minimum $200 security deposit required.