Orchard Bank Classic Mastercards®
Orchard Bank Classic Mastercards® provide you with the opportunity to establish better credit, while enjoying all the conveniences of a traditional credit card.
Because we report to all 3 major credit bureaus, your good payment record builds your credit rating each month, and with your ability to choose your own payment date, you can be assured that your payment will come due after your paycheck arrives.
Orchard Bank Classic Mastercards® are accepted at millions of locations worldwide, including Internet stores and reservations desks across the country. In addition, you can get discounts from many of your favorite merchants when you enroll in the services offered at www.mcnearby.com.
It’s easy to manage your finances any time of the day or night with our Account Management Tools and Online Bill Pay.
When you enroll for online management, you can even request email or text messages to remind you of your upcoming payment due date and let you know when you’re approaching your available balance limit.
Keeping track of your spending is easy. Our system allows you to sort your credit card transactions by date, amount, description or category, and we store 12 month’s worth of transactions for you – making it easy to review your activity for the past year and catch any of those deductible transactions that you’ll need for tax time.
Of course you can view transactions since your last statement, and speak to a trained Customer Service Representative when you have questions.
You can view and download up to a year’s worth of PDF statements, and download your transactions directly into MS Money or Quicken – saving you from that time consuming data entry and assuring that you didn’t miss an expense.
Interest rates range from a variable 14.9% to 19.9%, with a default rate of a variable 29.49% Annual fees range from $35 to $79, and the processing fee to open your account ranges from $0 to $49.
