Disclosures, Account Agreements and Terms & Conditions
Other Personal Disclosures
*If you do not qualify for a Visa Signature card, you will be considered for a Select Rewards card with the same 2,500 bonus points, triple rewards, unlimited 1% cash back, 0% introductory APR for six months and no annual fee.
**The 0% introductory APR does not apply to Cash Advances and is valid for the first six billing cycles on Purchases and Balance Transfers. Thereafter, the APR may vary, and as of 05/2011, the undiscounted variable APR for Purchases and Balance Transfers is 9.99%–20.99% (depending on your credit history).The variable APR for Purchases and Balance Transfers then in effect will apply to any outstanding balances after the promotional period ends. For updated rate information, call 866-951-1389. The variable APR for Cash Advances is 23.99%. Cash Advance Fee: 4%, $10 minimum. Convenience Check Advance Fee: 3%, $5 minimum. Cash Equivalent Fee: 4%, $20 minimum. Balance Transfer fees will apply, which are 3%, $5 minimum. There is a $2 minimum finance charge where interest is due. Foreign Transaction Fee: 2% of each foreign purchase transaction or foreign ATM advance transaction in U.S. Dollars. 3% for foreign purchase transaction or foreign ATM advance transaction in a Foreign Currency. The Late Payment Fee is up to $35.
The creditor, issuer and service provider is Elan Financial Services.
Gift card can be used anywhere MasterCard is accepted in the United States. Gift card cannot be used at automated teller machines (ATMs). A $2.50 purchase fee will be applied to each gift card purchase. Other fees apply. See Terms and Conditions for additional details. MasterCard is a registered trademark of MasterCard International Incorporated. MasterCard Gift Card is issued by MetaBank™, Member FDIC, pursuant to license by MasterCard International Incorporated. Associated Bank, N.A. is not affiliated with MetaBank.
Go Direct is sponsored by the U.S. Department of the Treasury and the Federal Reserve Banks. Go Direct is a registered trademark of the United States Department of the Treasury, Financial Management Service.
Personal Banking - Certificate of Deposit Account Registry Service
Certificate of Deposit Account Registry Service and CDARS® are registered service marks of Promontory Interfinancial Network, LLC.
Waiting periods, limitations and exclusions may apply.
Contract Administration Services
Contract administration services are provided by Associated Trust Company, N.A. to Associated Bank, N.A. Associated Trust Company, N.A. is an affiliate of Associated Banc-Corp.
The funds in the investment account are not FDIC insured. Securities products offered are NOT deposits or obligations of, insured or guaranteed by Associated Banc-Corp or any other bank or affiliate, are NOT insured by the FDIC or any agency of the United States, and involve INVESTMENT RISK, including POSSIBLE LOSS OF VALUE.
No-Load Mutual Funds
These are no-load institutional class mutual funds, with no 12b-1, shareholder service or sales charges. Associated Trust Company, N.A. provides administrative services, for which your HSA Investment Account will be charged an account fee of $7.50 and a service fee of $0.90 per $1,000 (9 basis points) of investment balance per quarter.
Trust and Insurance
Insurance products are offered by licensed agents of Associated Financial Group, LLC ("AFG"). Fiduciary, administrative and planning services are provided by Associated Trust Company, N.A. ("ATC"). Investment management services are provided to ATC by Kellogg Asset Management, LLC® ("KAM"), an SEC-registered investment adviser. • Insurance and securities products offered are NOT deposits or obligations of, insured or guaranteed by Associated Banc-Corp ("AB-C") or any bank or affiliate, are NOT insured by the FDIC or any agency of the United States, and involve INVESTMENT RISK, including POSSIBLE LOSS OF VALUE. • AFG, ATC and KAM are all affiliates of AB-C. Associated Private Client Services and Associated Institutional Trust Services are marketing names Associated Banc-Corp uses for products and services offered by ATC and KAM.
*For children under 18 years of age, the first $1,700 of earnings is taxed at the minor’s tax rate, and any amount over $1,700 is taxed at the adult’s tax rate.
Legal and Tax Advice
Neither Associated Banc-Corp nor any of its affiliates give tax or legal advice. Consult with your tax and/or legal advisor for information specific to your situation.