Coastal Community BankSeen™ Secured MasterCardRegistry illustration · issuer artwork unavailable

Seen™ Secured MasterCardCoastal Community Bank · SM bank, WA · FDIC 34403

CurrentLast observed Aug 23, 2026Source date Aug 23, 2026Official issuerCredit card · Consumer

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Purchase APR

35.99%

p.1fixed

Balance transfer

—

Cash advance APR

—

Annual fee

—

Foreign fee

—

Grace period

—

Product terms with exact source passages
Term	Value	As printed in the source	Source
APR for purchases	35.99%Coastal Community Bank · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	“35.99%”Coastal Community Bank · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	p. 1
APR for balance transfers	—	no source read
APR for cash advances	—	no source read
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	up to $41 — Late Payment Fee: We may charge you a Late Payment Fee if you fail to pay at least the Minimum Payment Due by the due date each month. The maximum fee which may be charged is listed in your Schedule.Coastal Community Bank · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	“Late Payment Fee up to $41.”Coastal Community Bank · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	p. 1
Returned payment	—	no source read

secured_card_member_agreement_effective 11.01.25page 1 of 18

The Seen™ Secured MasterCard is issued by Coastal Community Bank ('we', 'us', 'our'), Member FDIC, pursuant to license by MasterCard © International Incorporated.

SUMMARY OF CREDIT TERMS AND CONDITIONS

INTEREST RATES AND INTEREST CHARGES Annual Percentage Rate (APR) for Purchases · 35.99% How to Avoid Paying Interest on Purchases · Your due date is at least 26 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. 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 · $25 Your annual fee may be assessed before you begin using your card and will reduce the amount of credit you initially have available. For example, if your initial credit limit is $100, your initial available credit will be $75. Penalty Fees • Late Fee · $41

HOW WE WILL CALCULATE YOUR BALANCE: We use the 'Average Daily Balance method (including Current Purchases).' See the Cardmember Agreement for additional information.

NOTE: This Account is not eligible for Balance Transfers or Cash Advances.

LATE FEE: If you fail to make your required minimum payment by the due date, you will be assessed a Late Fee up to $30. If you fail to make your required minimum payment by the due date a second time in the same six consecutive billing cycles, you will be assessed a Late Payment Fee up to $41. The Late Fee charged will not exceed the dollar amount of the late or missed payment or a limit imposed by applicable state law.

HOW WE WILL CALCULATE YOUR MINIMUM PAYMENT: The Minimum Payment Due in a Billing Cycle, shown on the Statement for the immediately preceding Billing Cycle is the sum of: (a) the greater of $25 or 2% of the New Balance on the prior Statement; plus (b) interest that posted on the prior Statement; plus (c) the amount by which the New Balance on the prior Statement exceeds the Credit Limit; plus (d) all past due amounts, all rounded up to the nearest whole dollar.

1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18Pages 1 and 7 are cited

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.

Coastal Community Bank
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 1
“35.99%”
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Coastal Community Bank
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 1
“Late Payment Fee up to $41.”
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Coastal Community Bank
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 7
“There is no grace period on Balance Transfers and Cash Advances. We will charge interest on Balance Transfers and Cash Advances from the date of the transaction.”
Additional source detail; structured values remain unknown. This agreement passage is retained verbatim. The pricing interpretation does not replace the complete card-terms declaration.
Read exact source ↗
Coastal Community Bank
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 7
“There is no grace period on Balance Transfers and Cash Advances. We will charge interest on Balance Transfers and Cash Advances from the date of the transaction.”
Additional source detail; structured values remain unknown. This agreement passage is retained verbatim. The pricing interpretation does not replace the complete card-terms declaration.
Read exact source ↗

History

dates on sources or when they were captured

Aug 23, 2026: Late payment fee, Purchase APR

Offered through: Coastal Community Bank
Legal issuer: Not established by retained evidence
Regulator: FDIC certificate 34403
Branches: 14 in WA
Sources: Official issuer · 1 document · 2 pages cited

Documents

secured_card_member_agreement_effective 11.01.25effective date not parsed

Seen™ Secured MasterCardCoastal Community Bank · SM bank, WA · FDIC 34403

Rates and fees