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Secured Visa^® Card

Build your credit history and enjoy more buying power!

If your credit history on the light side, or if you’re having a hard time getting a credit card, the Secured Visa Card from First Commercial Bank, N.A (USA) may be right for you.

You’ll get worldwide acceptance and access to cash advances; the card comes with no annual fee, and works just like a regular credit card. The difference? Your line of credit is secured by an equal amount of money held in an First Commercial Bank, N.A (USA) Statement Savings Account.

And, if you sign up for the optional TravelAwards Plus^SM program, you’ll earn valuable points whenever you make a purchase with your card. You can use your points for free or discounted travel, gift cards or certificates from local merchants – even free brand name merchandise.

Your First Commercial Bank, N.A (USA) Secured Visa Card is serviced right here in California, so you can get help at your convenience.

You’ll get benefits like:¹

• Free online access to your account
• Free e-statements
• Access to account information through AccountAbility^SM bank-by-phone service
• Save and earn rewards with TravelAwards Plus
• Worldwide acceptance
• Local servicing
• Visa’s Zero Liability policy on unauthorized transactions²
• Up to $200,000 common carrier travel accident insurance
• Auto Rental Collision Damage Waiver at no additional cost

The details:

• Fixed interest rate
• Monthly Payments
  • Flexible payment schedule: pay minimum due, statement balance, current balance or other amount
  • May be made automatically as one-time or recurring payment through online banking

More benefits for Visa Secured Cardholders:

Cash When You Need It

• Cash advances — Available at any of our branches, worldwide at ATMS displaying the Visa logo, and from more than 400,000 Visa member offices.
• Emergency Cash Disbursement and Card Replacement — Replacement within 24 hours if your card is lost in the US or Canada; elsewhere, cards can be replaced within one business day.

Protection When You Travel

• Travel insurance — When you purchase your tickets on any licensed common carrier, you and your family are covered up to $200,000 of Travel Insurance, at no additional charge to you.
• Auto Rental Insurance — Automatic coverage for the full value of your rented automobile in the event of collision, theft, or vandalism.
• Lost Visa card — Replacement within 24 hours if your card is lost in the US or Canada. Elsewhere, cards can be replaced within one business day

1. Certain restrictions, limitations, exclusions apply.

2. Certain restrictions, limitations, exclusions apply.