Consumer Credit Cards

We make it easy to choose the credit card that is right for you – Low Rate or Preferred Points Rewards. It’s the only card you need for everything you need to do.

Personal Card – Low Rate

 Features

  • No annual fee.
  • Low introductory rate for the first six months.1
  • Competitive ongoing APR. 1
  • 25-day interest-free grace period on all purchases. No grace period on cash advances.

Benefits

  • 24-hour toll-free live customer assistance available at 800-367-7576.
  • Online account information available 24/7 at cardaccount.net.
  • Car rental insurance coverage and a host of extraordinary Mastercard®
  • Unlike some card offers, the APR1 for purchases and cash advances is the same. We do not charge a higher rate for cash advances.
  • Apply Pay is available on your iPhone 6 and other compatible Apple devices to shop and check out wherever the Apply Pay logo is displayed.  All our MasterCard® and Visa®  consumer cards can be easily linked to an Apple device to “tap and pay” at hundreds of retailers.

 Extraordinary benefits with Mastercard®  including:

  • Airport Concierge
  • ID Theft Protection
  • Global Services
  • Cell Phone Coverage*
  • Travel & Lifestyle Services*
  • Online shopping/delivery discounts*

Fees

  • Other fees may be charged and fees are listed on the application.

Personal Card –World / Preferred Points Rewards 

Features

  • Earn points that you can redeem for rewards. Earn one point for each dollar spent, up to 10,000 points per month.
  • Low introductory rate for first six months. 1
  • Competitive ongoing APR. 1
  • No annual fee.
  • 25-day interest-free grace period on all purchases. No grace period on cash advances.

 Benefits

  • Redeem your rewards points for cash-back awards, retail gift cards, travel and a wide variety of merchandise including cameras, home theater systems, portable DVD players, sporting equipment, jewelry, luggage, electronics, video game equipment, gift cards and more.
  • To view or redeem rewards points, visit mypreferredpoints.com or call 866-678-5191.
  • 24-hour toll-free live customer assistance available at 800-367-7576.
  • Online account information available 24/7 at www.cardaccount.net
  • Car rental insurance coverage and a host of extraordinary Mastercard® benefits.
  • Unlike some card offers, the APR 1 for purchases and cash advances is the same. We do not charge a higher rate for cash advances.

Fees

  • Other fees may be charged and fees are listed on the application.

To Apply Now

  • Download the PDF application from the right call out on this page to get started.
  • Type the information and then print the application (you cannot save the document, so print an extra copy for yourself), or print it and then complete it using a blue or black pen. Paper applications are also available at our local branch office.
  • Bring your completed application to a branch office or use ‘Secure Forms’ in Bank 34 Online Banking.
  • For questions, please call or visit your local Bank 34.

 

 

Bank 34 has partnered for credit card services with TIB, The Independent BankersBank, N.A.

Certain restrictions apply detailed in the applicable benefits brochure received with new credit card. 

*Mastercard World cardholders only

1 Please see application for information about current APRs and fees.