Express Credit Line Rate and Fee Disclosure



Express Credit Line

Subaccount Name Approximate Term Account Opening Disclosure Daily Periodic Rate
Interest Rate and Interest Charges
Annual Percentage
Rate (APR)
Express Credit Line Under $2,500 up to 36 months 17.88% 0.048986%
Express Credit Line $2,500 and over up to 60 months __EXPRESS_CREDIT_LINE_APR__ 0.038027%
Penalty Fees

  • Late Payment
  • Returned Payment


Minimum Payment: Your minimum payment will never be less than $50. Bank On Your Own Express Credit Line minimum payment will never be less than $20.

How We Will Calculate Your Balance: We will use a balance computation method called daily balance. See your account Agreement for more details.

Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account Agreement.

Late Payment Fee: A late charge of $25 will be added to your loan if the payment is more than 10 days delinquent.

Returned Payment Fee: If your payment is returned to us, you wil be charged $28 for each returned payment.