VeraBank World Mastercard

Originally established as the Citizens National Bank, today VeraBank is dedicated to serve as the preferred financial services provider in its marketplace.

With its deep community bank roots and independent spirit, VeraBank offers

• outstanding service
• relevant products and efficient channels
• the best and brightest bankers in its communities

Ultimate customer satisfaction and care sets VeraBank from the others, as explained by the guiding principles established from its very inception.

In the old days in this part of the country, if you had a cow, a sow, and a hen, you could survive.

From the cow came the milk and butter; from the sow the bacon, lard, and hams; and from the hen, eggs.

As East Texas became more and more affluent, we reminded ourselves and our customers – “Don’t forget the cow, the sow, and the hen.”

Read the terms and benefits below carefully to judge whether the VeraBank Mastercard should be part of your financial well-being.

Introductory Offer

• 2.90% APR on purchases and balance transfers during the first 6 months

Rewards

• Get one point for every eligible $1 spent on your credit card
• Flexible Rewards Options
  • Travel
  • Cash
  • Merchandise
  • Retail Gift Cards

Interest Rates as Annual Percentage Rate (APR)

• Purchases paid in full within 25 days of statement date: 0%
• Balances on statements after 25 days: 15.24%
• Balance Transfers: 15.24%
• Cash Advances: 15.24%

Fees

• Annual Fee: none
• Balance transfers: 3% ($10 min)
• Cash Advances: 3% ($10 min)
• Foreign transaction: 2%
• Late penalty: $25

Free Benefits

• Zero-liability on unauthorized use of the card
• Card lock if it’s lost or stolen
• Enroll in automatic payment feature to avoid late charges
• Text or email alerts on purchases, balances, due dates, and more
• Add authorized users for free, but they don’t pay for their charges
• Warranty extension where applicable
• Auto collision waiver damage
• Travel and emergency assistance (service fees may apply)
• Travel accident insurance
• Roadside assistance
• 24/7 customer service

For application and important details visit the VeraBank credit card web page.