Refund Policy

Initial Fees Refund Disclosure

You may still reject this plan, provided that you have not yet used the Account or paid INTEREST CHARGES, Fees or Other Charges after receiving a Monthy Billing Statement. If you do reject the plan, you are not responsible for any INTEREST CHARGES, Fees or Other Charges.



Security Deposit Refund Disclosure

If your account required a security deposit, please note that this is not a fee and that all deposits are fully refundable as long as you pay your account balance in full and close your account.




*Obtaining Your Card: The USA PATRIOT Act is a federal law that requires all financial institutions to obtain, verify and record information that identifies each person who applies for a card account. What this means for you: When you apply for a card account, we will ask for your name, address, date of birth and other information that will allow us to reasonably identify you. We may also ask to see your driver's license or other identifying documents at any time.

FIT, Verve, Cerulean, and Matrix - MasterCard® and the MasterCard acceptance mark are service marks used by Mid America Bank & Trust Company under license from MasterCard International. Cards are issued by Mid America Bank & Trust Company and serviced by Continental Finance Company.

Reflex and Surge - MasterCard® and the MasterCard acceptance mark are service marks used by Celtic Bank under license from MasterCard International. Cards are issued by Celtic Bank and serviced by Continental Finance Company.