Product terms with exact source passages
Term	Value	As printed in the source	Source
APR for purchases	15.60%Academy Bank, National Association · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	“15.60%”Academy Bank, National Association · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	p. 1
APR for balance transfers	15.60%Academy Bank, National Association · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	“15.60%”Academy Bank, National Association · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	p. 1
APR for cash advances	15.60%Academy Bank, National Association · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	“15.60%”Academy Bank, National Association · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	p. 1
Penalty APRafter a late or returned payment	—	no source read
Paying interestgrace period on new purchases	—	no source read
Annual fee	—	no source read
Transaction fees
Cash advance	—	no source read
Balance transfer	—	no source read
Foreign transaction	—	no source read
Penalty fees
Late payment	—	no source read
Returned payment	—	no source read

UnSecured Credit Card Account Opening Disclosure and Agreement 15.60%page 1 of 8

ACADEMY BANK, N.A. UNSECURED CREDIT CARD ACCOUNT-OPENING DISCLOSURE STATEMENT

INTEREST RATES AND INTEREST CHARGES ANNUALPERCENTAGERATE (APR)FOR PURCHASES · 15.60% APR FOR BALANCETRANSFERS · 15.60% APR FOR CASH ADVANCES · 15.60% PENALTY APR · 24.99% This APR may be applied to your account if you Fail to make OR satisfy the required minimum monthly payment within 60 days of the respective due date. How Long Will the Penalty APR Apply? : If your APR is increased for either reason, the Penalty APR will apply until you make six consecutive minimum payments when due. If you do not make these six consecutive minimum payments, we may keep the Penalty APR on your account indefinitely PAYING INTEREST · Each due date will be at least 25 days after the close of each billing cycle. We will not impose interest charges on purchases or balance transfers if you pay your entire balance in full by the due date each month. We will begin charging interest on cash advances on the transaction date. FOR CREDIT CARD TIPSFROM THECONSUMERFINANCIAL PROTECTIONBUREAU · 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 ANNUALFEE · None TRANSACTIONFEES ▪ BALANCETRANSFER FEE ▪ CASHADVANCEFEE ▪ CURRENCYCONVERSION TRANSACTIONFEE ▪ INTERNATIONALTRANSAC- TION FEE · None 2% of amount advanced, up to $100.00 None None PENALTYFEES ▪ LATEPAYMENTFEE ▪ RETURNEDPAYMENTFEE ▪ OVER THELIMIT FEE · Up to $15.00 Up to $25.00 None OTHERFEES ▪ CARD REPLACEMENTFEE ▪ COPYINGFEE ▪ PIN REPLACEMENTFEE ▪ SPECIAL PROCESSING FEE · $5.00 per card replaced prior to the normal reissue date. $4.00 per-page fee for copies of transaction documents or statements, unless we are required to provide them when resolving a billing dispute. $2.00 $35.00 per card for expedited processing and delivery, if available and offered.

How We Will Calculate Your Balance: We use a method called, 'average daily balance' (including new purchases and balance transfers). See the 'Card Agreement' for more details.

Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement.

The disclosures above are accurate as of the printing date of March 16, 2019 and are subject to change thereafter.

Please contact us for any information on any changes, call 877-712-2265 or by writing us at the following address: Academy Bank, N.A. Attn: Credit Card Department PO Box 26458 Kansas City, MO 64196

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Archived Aug 23, 2026Open full document

Sources and dates

Contractual terms come from retained issuer disclosures. Historical cohort statistics come from the CFPB survey and do not change the issuer's terms.

Issuer disclosures and source details

Exact passages support the published terms or show additional details that remain unresolved.

Academy Bank, National Association
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 1
“15.60%”
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Academy Bank, National Association
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 1
“15.60%”
Read exact source ↗
Academy Bank, National Association
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 1
“15.60%”
Read exact source ↗

History

dates on sources or when they were captured

Aug 23, 2026: Balance transfer APR, Cash advance APR, Purchase APR

Offered through: Academy Bank
Legal issuer: Not established by retained evidence
Regulator: FDIC certificate 19600
Branches: 80 in AR, AZ, CO, KS, MO
Sources: Official issuer · 2 documents · 1 page cited

Documents

UnSecured Credit Card Account Opening Disclosure and Agreement 15.60%effective date not parsed
UnSecured Credit Card Account Opening Disclosure and Agreement 9.99%effective date not parsed

N.A. UNSECURED CREDIT CARDAcademy Bank · N bank, AR · FDIC 19600

Rates and fees