UMB BankVisa® SecuredRegistry illustration · issuer artwork unavailable

Visa® SecuredUMB Bank · N bank, AZ · FDIC 8273

CurrentLast observed Aug 23, 2026Official issuerCredit card · Consumer

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Purchase APR

—

Balance transfer

—

Cash advance APR

—

Annual fee

$29

p.1a year

Foreign fee

—

Grace period

—

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	—	no source read
Annual fee	$29UMB Bank, National Association · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	“$29”UMB Bank, National Association · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	p. 1
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

Visa Secured Card Cardholder Agreementno reader text

The generated reader text for this document did not verify, so it is not shown.

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.

UMB Bank, National Association
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 1
“$29”
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UMB Bank, National Association
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 1
“If you are charged interest, the charge will be no less than $0.50 .”
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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UMB Bank, National Association
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 1
“Your due date is at least 21 days after the close of each billing cycle. We will not charge you interest on Purchases if you pay your entire balance by the due date each month. Generally, 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.
Read exact source ↗
UMB Bank, National Association
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 1
“Your due date is at least 21 days after the close of each billing cycle. We will not charge you interest on Purchases if you pay your entire balance by the due date each month. Generally, 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.
Read exact source ↗

History

dates on sources or when they were captured

Aug 23, 2026: Annual fee

Offered through: UMB Bank
Legal issuer: Not established by retained evidence
Regulator: FDIC certificate 8273
Branches: 209 in AZ, CA, CO, IA, IL, KS, MN, MO, NE, NM, OK, TX, UT, WI
Sources: Official issuer · 2 documents · 0 pages cited

Documents

Visa Secured Card Cardholder Agreementeffective date not parsed
Visa Secured Card Pricing Addendumeffective date not parsed

Visa® SecuredUMB Bank · N bank, AZ · FDIC 8273

Rates and fees