Midland States BankVisa CommUNITY CardRegistry illustration · issuer artwork unavailable

Visa CommUNITY CardMidland States Bank · SM bank, IL · FDIC 1040

CurrentLast observed Oct 3, 2026Source date Oct 3, 2026Official issuerCredit card · Business · Visa

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Purchase APR

—

Balance transfer

—

Cash advance APR

—

Annual fee

Not disclosed

Foreign fee

—

Grace period

Not disclosed

Product terms with exact source passages
Term	Value	As printed in the source	Source
APR for purchases	—	no source read
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	Not disclosed	no source read
Annual fee	Not disclosedMidland States Bank · Page Capture Oct 3, 2026 · Captured Oct 3, 2026	no source read	Website
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

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.

Midland States Bank
Page Capture Oct 3, 2026 · Captured Oct 3, 2026
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Midland States Bank
Page Capture Oct 3, 2026 · Captured Oct 3, 2026 · record official-issuer:page:url:ee102ed6197058f5d43bc2b4edac3206ebe52b8316d6e07efd697ddc1340715f
“For established 501c3/c4 nonprofits and municipalities:”
Additional source detail; structured values remain unknown. For established 501c3/c4 nonprofits and municipalities:
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Midland States Bank
Page Capture Oct 3, 2026 · Captured Oct 3, 2026 · record official-issuer:page:url:ee102ed6197058f5d43bc2b4edac3206ebe52b8316d6e07efd697ddc1340715f
“Credit Limits $500-$250,000”
Additional source detail; structured values remain unknown. The source gives a product-specific credit-limit range; it is not an approval guarantee.
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Midland States Bank
Page Capture Oct 3, 2026 · Captured Oct 3, 2026 · record official-issuer:page:url:ee102ed6197058f5d43bc2b4edac3206ebe52b8316d6e07efd697ddc1340715f
“Single monthly statement of all charges to help track spending, streamline accounting procedures, increase efficiencies”
Additional source detail; structured values remain unknown. The source promises a single monthly statement; no billing-period semantics are inferred.
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Midland States Bank
Page Capture Oct 3, 2026 · Captured Oct 3, 2026 · record official-issuer:page:url:ee102ed6197058f5d43bc2b4edac3206ebe52b8316d6e07efd697ddc1340715f
“Rewards⁴ and non-rewards programs available”
Additional source detail; structured values remain unknown. Rewards and non-rewards are both available; no numeric earn or redemption value is disclosed.
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Midland States Bank
Page Capture Oct 3, 2026 · Captured Oct 3, 2026 · record official-issuer:page:url:ee102ed6197058f5d43bc2b4edac3206ebe52b8316d6e07efd697ddc1340715f
“Non-revolving”
Additional source detail; structured values remain unknown. Non-revolving is retained as a source fact; it does not by itself select a different registry product type.
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Midland States Bank
Page Capture Oct 3, 2026 · Captured Oct 3, 2026 · record official-issuer:page:url:ee102ed6197058f5d43bc2b4edac3206ebe52b8316d6e07efd697ddc1340715f
“Corporate liability, no personal guarantee”
Additional source detail; structured values remain unknown. Corporate liability and no personal guarantee are stated; complete liability terms remain undisclosed.
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Midland States Bank
Page Capture Oct 3, 2026 · Captured Oct 3, 2026 · record official-issuer:page:url:ee102ed6197058f5d43bc2b4edac3206ebe52b8316d6e07efd697ddc1340715f
“Comprehensive online management reporting tool can track spending on a monthly, quarterly, or Year-to-Date (YTD) basis”
Additional source detail; structured values remain unknown. Online management reporting is stated for monthly, quarterly and YTD views.
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Midland States Bank
Page Capture Oct 3, 2026 · Captured Oct 3, 2026 · record official-issuer:page:url:ee102ed6197058f5d43bc2b4edac3206ebe52b8316d6e07efd697ddc1340715f
“⁴ The Elan Rewards Program is subject to change. Rewards are earned on eligible net purchases. Net purchases are purchases minus credits and returns. Not all transactions are eligible to earn rewards, such as Advances, Balance Transfers and Convenience Checks. Upon approval, see your Cardmember Agreement for details. You may not redeem Rewards, and you will immediately lose all of your Rewards, i…”
Additional source detail; structured values remain unknown. ⁴ The Elan Rewards Program is subject to change. Rewards are earned on eligible net purchases. Net purchases are purchases minus credits and returns. Not all transactions are eligible to earn rewards, such as Advances, Balance Transfers and Convenience Checks. Upon approval, see your Cardmember Agreement for details. You may not redeem Rewards, and you will immediately lose all of your Rewards, if your Account is closed to future transactions (including, but not limited to, due to Program misuse, failure to pay, bankruptcy, or death). Rewards expire five years from the end of the quarter in which they are earned.
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Midland States Bank
Page Capture Oct 3, 2026 · Captured Oct 3, 2026 · record official-issuer:page:url:ee102ed6197058f5d43bc2b4edac3206ebe52b8316d6e07efd697ddc1340715f
“The creditor and issuer of these cards is Elan Financial Services, pursuant to a license from Visa U.S.A. Inc.”
Additional source detail; structured values remain unknown. The page names Elan Financial Services as creditor and issuer under a Visa license. Keep this as quoted source evidence until an approved legal-issuer registry identity is independently established.
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Midland States Bank
Page Capture Oct 3, 2026 · Captured Oct 3, 2026 · record official-issuer:page:url:ee102ed6197058f5d43bc2b4edac3206ebe52b8316d6e07efd697ddc1340715f
“CommUNITY Card”
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Midland States Bank
Page Capture Oct 3, 2026 · Captured Oct 3, 2026 · record official-issuer:page:url:ee102ed6197058f5d43bc2b4edac3206ebe52b8316d6e07efd697ddc1340715f
“Visa”
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History

dates on sources or when they were captured

Oct 3, 2026: Annual fee, Balance transfer terms, Card terms

Offered through: Midland States Bank
Legal issuer: Not established by retained evidence
Regulator: FDIC certificate 1040
Branches: 60 in IL, MO
Sources: Official issuer · 0 documents · 0 pages cited

Documents

No republished document is bound to this product. See the sources above for the evidence behind these terms.

Visa CommUNITY CardMidland States Bank · SM bank, IL · FDIC 1040

Rates and fees