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Credit Cards

Our personal credit card offers you the best of both worlds: convenience and community. You can travel the world knowing that your Bank of Canton credit card can be used anywhere Visa® is accepted.  You can also take pride in the fact that no matter where you are, you'll be helping those in need because a portion of your net purchases and cash advances is donated to a Canton-based charity.  To learn more about how Town of Canton credit card proceeds are changing lives, visit news.

How it works

• Variable APR for purchases, balance transers, and cash advances with no annual fee
• 24-hour customer support
• Cardholders also receive bonus travel dividends, discounts on auto rentals and insurance discounts, reimbursements for hotel & motel burglaries, and complimentary luggage insurance, travel reservation and concierge services

 

Access these features online

• Account summary
• Electronic statement features
• Expense reports
• Statement summary
• E-mail alerts

ACCESS YOUR BANK OF CANTON CREDIT CARD ACCOUNT   

Interest Rates and Interest Charges

Annual Percentage Rate (APR) for Purchases	9.74%; This APR will vary with the market based on the prime rate (as of 01/31/2012).*
APR for Balance Transfers	9.74%; This APR will vary with the market based on the prime rate (as of 01/31/2012).*
APR for Cash Advances	9.74%; This APR will vary with the market based on the prime rate (as of 01/31/2012).*
Penalty APR and When it Applies	None.
How to Avoid Paying Interest on Purchases	Your due date is at least 25 days on average after the close of each billing cycle. We will not charge you interest on purchases if you pay your entire balance by the due date (Grace Period) each month.
Minimum Interest Charge	If you are charged interest, the charge will be no less than $0.00.
For Credit Card Tips from the Consumer Financial Protection Bureau	To learn more about factors to consider when applying for or using a credit card, visit the web site of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore .

 

Fees

Annual Fee	None.
Balance Transfer Fee	3.0% of the amount transferred ($10.00 Minimum/$40.00 Maximum).
Cash Advance Fee	3.0% of the amount advanced ($4.00 Minimum).
Foreign Transaction Fee	1.0% of each transaction in U.S. dollars.
Late Payment Fee	Equal to the greater of $1.00 or 10.0% of the unpaid portion of the past due amount is imposed, but not to exceed $10.00.
Returned Payment Fee	Up to $20.00

 

How We Will Calculate Your Balance: We use a method called ‘average daily balance” (including new purchases). *An explanation of this method is provided in your account agreement.

 

*The Prime rate used in determining the APRs used on your Account each billing cycle will be the highest US Prime Rate published in the Money Rates section of The Wall Street Journal on the first day of each billing cycle. The margin added to the prime rate for purchases, balance transfers and cash advances is 6.49%.

 

For information about rates, fees, and other costs, please see Terms and Conditions.

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Investment and insurance products and services are offered through INFINEX INVESTMENTS, INC. Member FINRA/SIPC. B.O.C. Financial Services is a trade name of Bank of Canton. Infinex is not affiliated with the bank. Products and services made available through Infinex are not insured by the FDIC or any other agency of the United States and are not deposits or obligations of nor guaranteed or insured by any bank or bank affiliate. These products are subject to investment risk, including the possible loss of value.

B.O.C. Life Solutions, LLC is a wholly-owned subsidiary of The Bank of Canton. The information provided on this website page is not legal advice, but general information on financial matters that involve commonly encountered legal issues. The Bank of Canton is not a law firm and its employees are not lawyers and cannot be a substitute for an attorney or law firm. The Bank of Canton cannot provide legal advice and can only provide informational services at your specific direction and request. The Bank of Canton and B.O. C. Life Solutions are not tax advisors. Please consult your tax advisor.