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Credit Cards

VISAJefferson Security Bank issues Visa credit cards to our customers. You can apply for a regular or gold card for your personal use or perhaps your business would like to apply for a corporate card. Our Visa credit card has no annual fee and has other benefits like extended warranty protection, automatic travel accident insurance at no charge and a Rewards Program. As a member of the Cirrus Network, our Visa card can be used at over 300,000 ATM locations worldwide. Cash Advances are also available at over 200,000 member branch locations worldwide. Our Jefferson Security Bank credit card offers all the benefits and worldwide acceptance of other cards, plus our special hometown service. Our card is for our customers, not everyone else in the country.

Jefferson Security Bank credit card holders can access their account information at www.MyCardStatement.com.

As a locally owned, independent bank, it is our desire to offer the best range of banking products to our customers.  We work hard to handle your financial affairs; we know you and we are right here whenever you need us.

Credit Disclosure

Annual Percentage Rate for Purchases (Fixed) 15.00%
Annual Percentage Rate for Cash Advances (Fixed) 15.00%
Annual Percentage Rate for Balance Transfers (Fixed) 15.00%
Annual Membership Fee None
Late Payment Fee $10.00
Transaction Fee for Cash $2.00
Balance Transfer Fee N/A
Over-the-Credit-Limit Fee NoneĀ 
Grace Period for re-payment of balances for purchases 25 Days

Method of Computing the Balance for Purchases – Average Daily Balance Including New Purchases*

*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 previous statement closing date and on new 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.

A finance charge will be imposed on Cash Advances from the date of the cash advance, or the first day of the billing cycle in which the Cash Advance is posted, whichever is later, and will continue to accrue until payment in full is made. Cash advances will be calculated in the same manner as explained for Credit Purchases.

RIGHT OF SETOFF. I grant to Lender a contractual possessory security interest in, and hereby assign, convey, deliver, pledge, and transfer to Lender all my right, title and interest in and to, my accounts with Lender (whether checking, savings, or some other account), including without limitation all accounts held jointly with someone else and all accounts I may open in the future, excluding however all IRA and Keogh accounts, and all trust accounts from which the grant of a security interest would be prohibited by law. I authorize Lender, to the extent permitted by applicable law, to charge or setoff all sums owing on this Note against any and all such accounts.

Because rates and terms are subject to change, you may contact us for the current  information by writing to:

Jefferson Security Bank, P.O. Box 35, Shepherdstown, WV 25443

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