Positive Pay
Protecting your business account is more important than ever. As your business volume increases, it can be difficult to spot fraud for incoming and outgoing transactions.
Positive Pay is a tool that detects unauthorized transactions and notifies you of any potential threats. You’ll have full control over accepting or declining checks and ACH transactions. Enhance your account with additional security features to:
- Protect cash flow
- Save time and preserve reputation
- Prevent fraudulent and stolen checks and ACH transactions from clearing
Protect your account today and reach out to one of our Business Experts today to enroll! Call us at 801-476-3500 or contact the designated Business Relationship Manager in your area.
Reach out directly to our Business Services line at 801-476-3500 or contact the business relationship manager for your area:
Cordon Barker
Weber & Salt Lake County
801-476-5102
Gonzalo Gonzalez
Weber & Salt Lake County
801-786-8495
Latara Baker
Cache County
435-713-1812
Caitlin Mason
Davis, Morgan & Salt Lake County
801-476-5155
Reagan Woodward
Utah & Washington County
435-656-7216
Kodie Murray
Weber & Box Elder County
801-476-5103
Have a local USU Credit Union Business Services Specialist contact you:
Thank you! We have received your information. Someone will contact you soon.
VISA BASIC/VISA REWARDS AND THE AGGIE CARD
SIMPLY PLATINUM/SIMPLY PLATINUM REBATE
APPLICATION AND SOLICITATION DISCLOSURE
Interest Rates and Interest Charges
Annual Percentage Rate (APR) for Purchases
Visa Basic
11.74% - 18.00% when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
VISA Rewards and The Aggie Card
13.24% - 18.00% when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
Simply Platinum
11.75% - 18.00%, based on your creditworthiness.
Simply Platinum Rebate
14.75% - 18.00%, based on your creditworthiness.
Visa Signature
17.24%. This APR will vary with the market based on the Prime Rate.
APR for Balance Transfers
Visa Basic
11.74% to 18.00%, when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
Visa Rewards and The Aggie Card
13.24% to 18.00%, when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
Simply Platinum
11.75% to 18.00%, based on your creditworthiness.
Simply Platinum Rebate
14.75% to 18.00%, based on your creditworthiness.
Visa Signature
17.24%. This APR will vary with the market based on the Prime Rate.
APR for Cash Advances
Visa Basic
11.74% to 18.00%, when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
Visa Rewards and The Aggie Card
13.24% to 18.00%, when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
Simply Platinum Rebate
14.75% to 18.00%, based on your creditworthiness.
Visa Signature
17.24%. This APR will vary with the market based on the Prime Rate.
Visa Signature
17.24%. This APR will vary with the market based on the Prime Rate.
How to Avoid Paying Interest on Purchases
Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month.
For Credit Card Tips from the Consumer Financial Protection Bureau
To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore.
Fees
Annual Fee
- Annual Fee
None
Transaction Fees
- Balance Transfer Fee
None
- Cash Advance Fee
1.50% of the amount of each cash advance
- Foreign Transaction Fee
1.00% of each multiple currency transaction in U.S. dollars
1.00% of each single currency transaction in U.S. dollars
Penalty Fees
- Late Payment Fee
Up to $22.00
- Returned Payment Fee
Up to $22.00
How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).”
Effective Date:
The information about the costs of the card described in this application is accurate as of October 1, 2023. This information may have changed after that date. To find out what may have changed, contact the Credit Union.
For California Borrowers, the Visa Basic, Visa Rewards and The Aggie Card, Simply Platinum and Simply Platinum Rebate are secured credit cards. Credit extended under this credit card account is secured by various personal property and money including, but not limited to: (a) any goods you purchase with this account, (b) any shares you specifically pledge as collateral for this account on a separate Pledge of Shares, (c) all shares you have in any individual or joint account with the Credit Union excluding shares in an Individual Retirement Account or in any other account that would lose special tax treatment under state or federal law, and (d) collateral securing other loans you have with the Credit Union excluding dwellings. Notwithstanding the foregoing, you acknowledge and agree that during any periods when you are a covered borrower under the Military Lending Act your credit card will be secured by any specific Pledge of Shares you grant us but will not be secured by all shares you have in any individual or joint account with the Credit Union. For clarity, you will not be deemed a covered borrower if: (i) you establish your credit card account when you are not a covered borrower; or (ii) you cease to be a covered borrower.
OTHER DISCLOSURES
Late Payment Fee
$22.00 or the amount of the required minimum payment, whichever is less, if you are 15 or more days late in making a payment.
VISA BASIC/VISA REWARDS AND THE AGGIE CARD
SIMPLY PLATINUM/SIMPLY PLATINUM REBATE
APPLICATION AND SOLICITATION DISCLOSURE
Interest Rates and Interest Charges
Annual Percentage Rate (APR) for Purchases
Visa Basic
11.74% - 18.00% when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
VISA Rewards and The Aggie Card
13.24% - 18.00% when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
Simply Platinum
11.75% - 18.00%, based on your creditworthiness.
Simply Platinum Rebate
14.75% - 18.00%, based on your creditworthiness.
Visa Signature
17.24%. This APR will vary with the market based on the Prime Rate.
APR for Balance Transfers
Visa Basic
11.74% to 18.00%, when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
Visa Rewards and The Aggie Card
13.24% to 18.00%, when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
Simply Platinum
11.75% to 18.00%, based on your creditworthiness.
Simply Platinum Rebate
14.75% to 18.00%, based on your creditworthiness.
Visa Signature
17.24%. This APR will vary with the market based on the Prime Rate.
APR for Cash Advances
Visa Basic
11.74% to 18.00%, when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
Visa Rewards and The Aggie Card
13.24% to 18.00%, when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
Simply Platinum Rebate
14.75% to 18.00%, based on your creditworthiness.
Visa Signature
17.24%. This APR will vary with the market based on the Prime Rate.
Visa Signature
17.24%. This APR will vary with the market based on the Prime Rate.
How to Avoid Paying Interest on Purchases
Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month.
For Credit Card Tips from the Consumer Financial Protection Bureau
To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore.
Fees
Annual Fee
- Annual Fee
None
Transaction Fees
- Balance Transfer Fee
None
- Cash Advance Fee
1.50% of the amount of each cash advance
- Foreign Transaction Fee
1.00% of each multiple currency transaction in U.S. dollars
1.00% of each single currency transaction in U.S. dollars
Penalty Fees
- Late Payment Fee
Up to $22.00
- Returned Payment Fee
Up to $22.00
How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).”
Effective Date:
The information about the costs of the card described in this application is accurate as of October 1, 2023. This information may have changed after that date. To find out what may have changed, contact the Credit Union.
For California Borrowers, the Visa Basic, Visa Rewards and The Aggie Card, Simply Platinum and Simply Platinum Rebate are secured credit cards. Credit extended under this credit card account is secured by various personal property and money including, but not limited to: (a) any goods you purchase with this account, (b) any shares you specifically pledge as collateral for this account on a separate Pledge of Shares, (c) all shares you have in any individual or joint account with the Credit Union excluding shares in an Individual Retirement Account or in any other account that would lose special tax treatment under state or federal law, and (d) collateral securing other loans you have with the Credit Union excluding dwellings. Notwithstanding the foregoing, you acknowledge and agree that during any periods when you are a covered borrower under the Military Lending Act your credit card will be secured by any specific Pledge of Shares you grant us but will not be secured by all shares you have in any individual or joint account with the Credit Union. For clarity, you will not be deemed a covered borrower if: (i) you establish your credit card account when you are not a covered borrower; or (ii) you cease to be a covered borrower.
OTHER DISCLOSURES
Late Payment Fee
$22.00 or the amount of the required minimum payment, whichever is less, if you are 15 or more days late in making a payment.
Disclosures
INTEREST RATES AND INTEREST CHARGES
Annual Percentage Rate (APR) for Purchases, Cash Advances and Balance Transfers
Business VISA without Rewards Credit Card
11.50%
Business VISA with Rewards Credit Card
13.50%
Business VISA Cash Back Credit Card
18.00%
How to Avoid Paying Interest on Purchases
Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month.
Minimum Interest Charge
None
For Credit Card Tips from the Federal Reserve Board
To learn more about factors to consider when applying for or using a credit card, visit the website of the Federal Reserve Board at http://www.consumerfinance.gov.
FEES
Annual Fee
None
Transaction Fees
Balance Transfer Fee
None
Cash Advance Fee
1.50% of each cash advance
Foreign Transaction Fee
1.00% of each multiple currency transaction in U.S. dollars
0.80% of each single currency transaction in U.S. dollars
Transaction Fee for Purchases
None
Penalty Fees
Late Payment Fee
Up to $22.00 if you are 16 or more days late in making a payment
Over-the-Credit Limit Fee
None
Returned Payment Fee
$22.00
Other Fees
Card Replacement Fee
Up to $5.00
Document Copy Fee
$5.00
Rush Fee
Up to $55.00
Research Charge Fee
Up to $20.00 per hour
Balance Transfers. We may permit you to transfer the balance of an account that you owe to another creditor to your account with us. If we approve a balance transfer, finance charges will be calculated and will accrue according to the same method as for cash advances.
Method for Computing the Balance for Purchases. Average Daily Balance (Including New Purchases)
Minimum Payment. Your monthly payment will 2.50% of your total new balance, or $25.00, whichever is greater plus outstanding unpaid fees and charges, all prior unpaid payments and any amount that exceeds your credit limit.
