Bangor Savings BankeverBlue Cash Back Plus MastercardRegistry illustration · issuer artwork unavailable

everBlue Cash Back Plus MastercardBangor Savings Bank · SI bank, ME · FDIC 18408

CurrentLast observed Oct 4, 2026Source date Dec 31, 2025Government datasetCredit card · Consumer · unsecured

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Purchase APR

—

Balance transfer

0% introductory · reported median duration 6 mo

then 23.49%

Cash advance APR

27.49%

p.1variable

Annual fee

p.1none

Foreign fee

p.1

Grace period

25 days

from cycle close

Product terms with exact source passages
Term	Value	As printed in the source	Source
APR for purchasesintroductory rate first	0% variableConsumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
APR for balance transfersintroductory rate first
Introductory, reported median duration 6 months	0% variableConsumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
After	23.49% variableBangor Savings Bank · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	“, your APR will be 23.49% . 2 This APR will vary with the market based on the Prime Rate.”Bangor Savings Bank · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	p. 1
APR for cash advances
Great credit	median 0.23%Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
Good credit	median 0.27%Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
Poor credit	median 0.29%Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
No credit score	median 0.29%Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
All applicants	27.49% variableBangor Savings Bank · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	“27.49% 3 This APR will vary with the market based on the Prime Rate.”Bangor Savings Bank · 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	25 days from the close of each billing cycle	—	—
Minimum interest charge	$1.50	—	—
How we calculate your balance	Average daily balance including new purchases	—	—
Annual fee	$0Bangor Savings Bank · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	“None”Bangor Savings Bank · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	p. 1
Transaction fees
Cash advance	5% of the amount, minimum $10Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
Balance transfer	3% of the amount, minimum $5Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
Foreign transaction	$0Bangor Savings Bank · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	“None”Bangor Savings Bank · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	p. 1
Penalty fees
First late fee	$29Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
Repeat late fee within six billing cycles	$40Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
Returned payment	—	no source read
Other fees
Returned Payment Fee	$29, A returned payment fee is incurred each time a payment made on an Account is not honored by the financial institution to which the payment request is made or cannot be processed.Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
Over limit	$0Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
Purchase transaction	$0Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
Balance transfer terms	YesConsumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website

everblue cash back plus credit card agreementpage 1 of 47

Bangor Savings Bank Credit Card Agreement

This Bangor Savings Bank Credit Card Agreement ('Card Agreement') is your contract with us and governs the use of your Account issued by Bangor Savings Bank. This Card Agreement includes the Pricing Disclosures that apply to your Account, our Privacy Policy, any brochure describing benefits provided by Mastercard, all disclosures and materials provided to you before and when you applied for and/or opened your Account, and any supplements or amendments to this Card Agreement. You accept this Card Agreement if you or an Authorized User activate a Card or use the Account or a Card.

PLEASE READ THIS CARD AGREEMENT CAREFULLY. THIS CARD AGREEMENT IS SUBJECT TO MANDATORY ARBITRATION PURSUANT TO THE FEDERAL ARBITRATION ACT, AND INCLUDES A WAIVER OF CLASS ACTION AND JURY TRIAL PROVISION, UNLESS YOU ARE A 'COVERED BORROWER' PROTECTED BY THE MILITARY LENDING ACT OR UNLESS YOU PROMPTLY OPT OUT OF THE ARBITRATION AGREEMENT. THE AGREEMENT TO ARBITRATE REQUIRES THAT YOU SUBMIT CLAIMS YOU HAVE AGAINST US TO BINDING AND FINAL ARBITRATION, AND FURTHER (1) YOU WILL ONLY BE PERMITTED TO PURSUE CLAIMS AND RELIEF AGAINST US ON AN INDIVIDUAL BASIS, NOT AS A PLAINTIFF, REPRESENTATIVE OR CLASS MEMBER IN ANY CLASS OR REPRESENTATIVE ACTION OR PROCEEDING, AND (2) YOU MAY NOT BE ABLE TO HAVE ANY CLAIMS YOU HAVE AGAINST US RESOLVED BY A JURY OR IN A COURT OF LAW.

Definitions. The following terms in this Card Agreement have the meanings set forth below. The definitions of other terms not included below can be found within this Card Agreement.

' Account ': Your credit card account, identified in your Pricing Disclosures.

' Authorized User ': Any person who you and we authorize to make Transactions on your Account after you give us that person's name as an authorized user.

' Balance Transfer ': The transfer of a balance from another credit account to your Account.

' Billing Cycle ': The period of time between each date when we create a Statement for your Account.

' Business Day ': Monday through Friday, except for federal holidays, and any other holiday on which banks in Maine are permitted to be closed. All references to 'days' mean calendar days unless otherwise provided.

' Card ': One or more cards or other devices (including an Account number) that we issue or otherwise provide to access your Account to obtain credit.

' Cash Advance ': Use of your Card or Account to get cash or what we consider a cash equivalent. Examples include: a transfer of funds via the Automated Clearing House ('ACH') to a deposit account initiated by us at your request; ATM withdrawals from a U.S. ATM that honors Mastercard credit cards; over-the-counter withdrawals obtained at a financial institution; money orders; wire transfers; traveler's checks; foreign currency; lottery tickets; gaming chips and other methods used for gambling, wagers and other betting transactions; cryptocurrency; and person-to-person money transfers.

' Closing Date ': The last day of each Billing Cycle.

' New Balance ': The total outstanding and unpaid balance you owe on your Account as of the Closing Date of each Billing Cycle.

' Online Banking ': The banking services provided and made available by us through a website or mobile application that we make available, pursuant to our BANGOR ONLINE INTERNET BANKING AGREEMENT and any other terms and conditions governing your use of our website, mobile application, virtual cards, or other electronic means of access to banking services we provide to you. For the avoidance of doubt, Online Banking does not include any third-party application, website, virtual wallet, or other service through which you access our banking services but which is not provided by or on behalf of Bangor Savings Bank.

1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37 38 39 40 41 42 43 44 45 46 47No page of this document is cited by this card

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.

Bangor Savings Bank
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 1
“, your APR will be 23.49% . 2 This APR will vary with the market based on the Prime Rate.”
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Bangor Savings Bank
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 1
“27.49% 3 This APR will vary with the market based on the Prime Rate.”
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Bangor Savings Bank
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 1
“None”
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Bangor Savings Bank
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 1
“None”
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Bangor Savings Bank
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 1
“If you are charged interest, the charge will be no less than $1.50.”
Additional source detail; structured values remain unknown. This agreement passage is retained verbatim. The pricing interpretation does not replace the complete card-terms declaration.
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Bangor Savings Bank
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 1
“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 New Balance by the Payment Due Date each month. We will begin charging interest on Cash Advances and Balance Transfers on the transaction date.”
Additional source detail; structured values remain unknown. This agreement passage is retained verbatim. The pricing interpretation does not replace the complete card-terms declaration.
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CFPB survey — historical cohort statistics

Reported medians describe observed cohorts at the survey date; they are not contractual APR ranges.

Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:bangor-savings-bank:everblue-cash-back-plus-mastercard
Fields: Balance Transfer Offered?, Median Length of Balance Transfer APR, Purchase APR Index, Transfer APR max, Transfer APR median, Transfer APR min, Variable Rate Index
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Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Oct 4, 2026 · record cfpb:tccp:v2:2025-12-31:bangor-savings-bank:everblue-cash-back-plus-mastercard:bc5d4e29c1607510d8f45e94da4fc429095ac5addfdc780bac7a09b9274fafc1
Fields: Balance Transfer Offered?, Median Length of Balance Transfer APR, Purchase APR Index, Transfer APR max, Transfer APR median, Transfer APR min, Variable Rate Index
Read exact source ↗
Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:bangor-savings-bank:everblue-cash-back-plus-mastercard
Fields: Advance APR good, Cash Advance APR Offered?, Purchase APR Index, Variable Rate Index
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Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Oct 4, 2026 · record cfpb:tccp:v2:2025-12-31:bangor-savings-bank:everblue-cash-back-plus-mastercard:bc5d4e29c1607510d8f45e94da4fc429095ac5addfdc780bac7a09b9274fafc1
Fields: Advance APR good, Cash Advance APR Offered?, Purchase APR Index, Variable Rate Index
Read exact source ↗
Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:bangor-savings-bank:everblue-cash-back-plus-mastercard
Fields: Advance APR great, Cash Advance APR Offered?, Purchase APR Index, Variable Rate Index
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Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Oct 4, 2026 · record cfpb:tccp:v2:2025-12-31:bangor-savings-bank:everblue-cash-back-plus-mastercard:bc5d4e29c1607510d8f45e94da4fc429095ac5addfdc780bac7a09b9274fafc1
Fields: Advance APR great, Cash Advance APR Offered?, Purchase APR Index, Variable Rate Index
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Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:bangor-savings-bank:everblue-cash-back-plus-mastercard
Fields: Advance APR no score, Cash Advance APR Offered?, Purchase APR Index, Variable Rate Index
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Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Oct 4, 2026 · record cfpb:tccp:v2:2025-12-31:bangor-savings-bank:everblue-cash-back-plus-mastercard:bc5d4e29c1607510d8f45e94da4fc429095ac5addfdc780bac7a09b9274fafc1
Fields: Advance APR no score, Cash Advance APR Offered?, Purchase APR Index, Variable Rate Index
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Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:bangor-savings-bank:everblue-cash-back-plus-mastercard
Fields: Advance APR poor, Cash Advance APR Offered?, Purchase APR Index, Variable Rate Index
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Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Oct 4, 2026 · record cfpb:tccp:v2:2025-12-31:bangor-savings-bank:everblue-cash-back-plus-mastercard:bc5d4e29c1607510d8f45e94da4fc429095ac5addfdc780bac7a09b9274fafc1
Fields: Advance APR poor, Cash Advance APR Offered?, Purchase APR Index, Variable Rate Index
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Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:bangor-savings-bank:everblue-cash-back-plus-mastercard
Fields: Intro APR max, Intro APR median, Intro APR min, Introductory APR Offered?, Median Length of Introductory APR, Purchase APR Index, Variable Rate Index
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Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Oct 4, 2026 · record cfpb:tccp:v2:2025-12-31:bangor-savings-bank:everblue-cash-back-plus-mastercard:bc5d4e29c1607510d8f45e94da4fc429095ac5addfdc780bac7a09b9274fafc1
Fields: Intro APR max, Intro APR median, Intro APR min, Introductory APR Offered?, Median Length of Introductory APR, Purchase APR Index, Variable Rate Index
Read exact source ↗
Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:bangor-savings-bank:everblue-cash-back-plus-mastercard
Fields: Balance Transfer Fee ($), Balance Transfer Fee (%), Balance Transfer Fee Calculation, Balance Transfer Fee Types, Balance Transfer Fees?, Minimum Balance Transfer Fee Amount
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Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Oct 4, 2026 · record cfpb:tccp:v2:2025-12-31:bangor-savings-bank:everblue-cash-back-plus-mastercard:bc5d4e29c1607510d8f45e94da4fc429095ac5addfdc780bac7a09b9274fafc1
Fields: Balance Transfer Fee ($), Balance Transfer Fee (%), Balance Transfer Fee Calculation, Balance Transfer Fee Types, Balance Transfer Fees?, Minimum Balance Transfer Fee Amount
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Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:bangor-savings-bank:everblue-cash-back-plus-mastercard
Fields: Cash Advance Fee ($), Cash Advance Fee (%), Cash Advance Fee Calculation, Cash Advance Fee Types, Cash Advance Fees?, Minimum Cash Advance Fee Amount
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Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Oct 4, 2026 · record cfpb:tccp:v2:2025-12-31:bangor-savings-bank:everblue-cash-back-plus-mastercard:bc5d4e29c1607510d8f45e94da4fc429095ac5addfdc780bac7a09b9274fafc1
Fields: Cash Advance Fee ($), Cash Advance Fee (%), Cash Advance Fee Calculation, Cash Advance Fee Types, Cash Advance Fees?, Minimum Cash Advance Fee Amount
Read exact source ↗
Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:bangor-savings-bank:everblue-cash-back-plus-mastercard
Fields: Late Fee ($), Late Fee Policy Details, Late Fee Types, Late Fees?
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Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Oct 4, 2026 · record cfpb:tccp:v2:2025-12-31:bangor-savings-bank:everblue-cash-back-plus-mastercard:bc5d4e29c1607510d8f45e94da4fc429095ac5addfdc780bac7a09b9274fafc1
Fields: Late Fee ($), Late Fee Policy Details, Late Fee Types, Late Fees?
Read exact source ↗
Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:bangor-savings-bank:everblue-cash-back-plus-mastercard
Fields: Late Fee Six Month Billing Cycle
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Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Oct 4, 2026 · record cfpb:tccp:v2:2025-12-31:bangor-savings-bank:everblue-cash-back-plus-mastercard:bc5d4e29c1607510d8f45e94da4fc429095ac5addfdc780bac7a09b9274fafc1
Fields: Late Fee Six Month Billing Cycle
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Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:bangor-savings-bank:everblue-cash-back-plus-mastercard
Fields: Other Fee Amount, Other Fee Explanation, Other Fee Name
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Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Oct 4, 2026 · record cfpb:tccp:v2:2025-12-31:bangor-savings-bank:everblue-cash-back-plus-mastercard:bc5d4e29c1607510d8f45e94da4fc429095ac5addfdc780bac7a09b9274fafc1
Fields: Other Fee Amount, Other Fee Explanation, Other Fee Name
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Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:bangor-savings-bank:everblue-cash-back-plus-mastercard
Fields: Over Limit Fee ($), Over Limit Fee Types, Over Limit Fees?, Overlimit Fee Detail
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Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Oct 4, 2026 · record cfpb:tccp:v2:2025-12-31:bangor-savings-bank:everblue-cash-back-plus-mastercard:bc5d4e29c1607510d8f45e94da4fc429095ac5addfdc780bac7a09b9274fafc1
Fields: Over Limit Fee ($), Over Limit Fee Types, Over Limit Fees?, Overlimit Fee Detail
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Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:bangor-savings-bank:everblue-cash-back-plus-mastercard
Fields: Minimum Purchase Transaction Fee Amount, Purchase Transaction Fee ($), Purchase Transaction Fee (%), Purchase Transaction Fee Calculation, Purchase Transaction Fee Type, Purchase Transaction Fees
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Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Oct 4, 2026 · record cfpb:tccp:v2:2025-12-31:bangor-savings-bank:everblue-cash-back-plus-mastercard:bc5d4e29c1607510d8f45e94da4fc429095ac5addfdc780bac7a09b9274fafc1
Fields: Minimum Purchase Transaction Fee Amount, Purchase Transaction Fee ($), Purchase Transaction Fee (%), Purchase Transaction Fee Calculation, Purchase Transaction Fee Type, Purchase Transaction Fees
Read exact source ↗
Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:bangor-savings-bank:everblue-cash-back-plus-mastercard
Fields: Annual Fee, Balance Computation Method, Balance Computation Method Details, Balance Transfer Grace Period, Card Features, Contact Information Types, Fee Explanation, Fee Varies?, Grace Period, Grace Period Offered?, Institution Name, Issued by Top 25 Institution, Minimum Finance Charge (Dollars), Minimum Finance Charge?, Monthly Fee, Periodic Fee Type, Periodic max, Periodic min, Product Name, Report Date, Requirements for Opening, Secured Card, Targeted Credit Tiers, Telephone Number for Consumers, Website for Consumer, Weekly Fee
Read exact source ↗
Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Oct 4, 2026 · record cfpb:tccp:v2:2025-12-31:bangor-savings-bank:everblue-cash-back-plus-mastercard:bc5d4e29c1607510d8f45e94da4fc429095ac5addfdc780bac7a09b9274fafc1
Fields: Annual Fee, Balance Computation Method, Balance Computation Method Details, Balance Transfer Grace Period, Card Features, Contact Information Types, Fee Explanation, Fee Varies?, Grace Period, Grace Period Offered?, Institution Name, Issued by Top 25 Institution, Minimum Finance Charge (Dollars), Minimum Finance Charge?, Monthly Fee, Periodic Fee Type, Periodic max, Periodic min, Product Name, Report Date, Requirements for Opening, Secured Card, Targeted Credit Tiers, Telephone Number for Consumers, Website for Consumer, Weekly Fee
Read exact source ↗

CFPB Good (620–719) and Great (720+) definitions ↗

History

dates on sources or when they were captured

Aug 23, 2026: Annual fee, Balance transfer APR, Cash advance APR, Foreign transaction fee
Dec 31, 2025: Balance transfer APR, Balance transfer fee, Balance transfer terms, Card terms, Cash advance APR, Cash advance fee, Late payment fee, Other fee, Over limit fee, Purchase APR, Purchase transaction fee

Offered through: Bangor Savings Bank
Legal issuer: Not established by retained evidence
Regulator: FDIC certificate 18408
Branches: 73 in ME, NH
Sources: Government dataset · 4 documents · 0 pages cited

Documents

everblue cash back plus credit card agreementeffective date not parsedName declaration: Bangor Savings Bank everblue® Cash Back Plus Mastercard · page 10
everblue cash back plus pricing addendumeffective date not parsed
everblue credit card agreementeffective date not parsedName declaration: Bangor Savings Bank everblue® Cash Back Plus Mastercard · page 10
everblue low rate credit card agreementeffective date not parsedName declaration: Bangor Savings Bank everblue® Cash Back Plus Mastercard · page 10

everBlue Cash Back Plus MastercardBangor Savings Bank · SI bank, ME · FDIC 18408

Rates and fees