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CCSB Business Credit Cards
  
   


 Carroll County State Bank Business Credit Cards

 Carroll County State Bank is committed to being your "Hometown Bank" We are proud to serve the community of Carroll and the surrounding area. We are especially proud to offer a truly unique "Hometown" credit card, a first of its kind for the Carroll area. Please see the product details below and choose your method to apply for one of these exclusive Carroll County State Bank credit cards.

Product Offering

 

 
 
Business Card
■ 0% introductory rate for the first 12 months **
■ No annual or balance transfer fees
■Purchase security and extended protection
■ Travel and emergency assistance
■ Generous credit line
■ Online account access  and detailed statements at www.managemycreditcard.com
■ Additional cards available after account set up.
■ Simplified expense management
■ Easy way to manage cash flow and separate personal and business expenses
Business Rewards Card
■ 0% introductory rate for the first 12 months **
■ $35 annual fee per card
■ No balance transfer fees
■Purchase security and extended protection
 ■ Generous credit line
■Travel and emergency assistance
■ Online account access  and detailed statements at www.managemycreditcard.com
 ■ Additional cards available after account set up
Included Rewards Program
 ■ Earn 1 point for every $1 in net purchases
■ Redeem points for airline tickets, gift certificates, even cash
■ Receive a free airline ticket after 25,000 points
Intro Rate 0% for first 12 months on purchases and balance transfers ** 0% for first 12 months on purchases and balance transfers **
Purchase APR Prime +  5.99% Prime + 7.99%
Cash APR Prime + 10.99%
Floor of 19.99%		 Prime + 10.99%
Floor of 19.99%
Cash Fee 3.5% or $5.00 3.5% or $5.00
Nuisance Fees - Late, Overlimit, NSF $35 $35
Additional Benefits ■ $400,000 Travel accident insurance
■ Individual or Consolidated billing
 		 ■ $400,000 Travel accident insurance
■ Individual or Consolidated billing
■Business Rewards ($0 first year; $35 per card annually thereafter)  
How to apply -
  • Paper application to fill out and mail:
    Please stop in at one of the CCSB branches for a application

    Mail to:
    Card Center
    387 Fountain Square Plaza
    Cincinnati, OH 45273-9276

    or fax 513-358-3485

1. Cardholder must meet these 3 conditions: 1. The cardholder must have exercised reasonable care in safeguarding his or her card from risk of loss or theft; 2. The cardholder must not have reported two or more incidents of unauthorized use within the preceding 12 months; 3. The account must be in good standing.

2. ** Business and Business Rewards:
Upon qualification. Introductory rate is for the first 12 billing cycles and applies to purchases and balance transfers. After the introductory period, the APR will be variable. The APR for Purchases and Cash Advances is based on the WSJ Prime Rate plus a margin, and the rate is calculated monthly by adding the margin applicable to the account to the WSJ Prime Rate. As of 06/09, the WSJ Prime Rate is 3.25%. APRs are a competitive 9.24% for Business and 11.24% for Business Rewards. Cash Advance APR: 19.99% minimum; 24.99% maximum. 19.99% APR as of 06/09. Delinquency APR: 23.99%. Minimum finance charge: $1.00. Cash advance fee: $5.00 or 3.50% of the total dollar amount, whichever is greater.
 

Foreign currency transaction fee: 3% of the U.S. dollar amount of each Foreign Transaction that posts to your account. See application for details.