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Banking RegistryReal data. Clear answers.

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Forcht Bank

Product terms with exact source passages
TermValueSource
APR for purchasesintroductory rate first
Introductory, reported median duration 5 months0% variableConsumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026Website
Great creditmedian 13.75%Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026Website
Good creditmedian 13.75%Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026Website
All applicants12.75%–14.75% variableConsumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026Website
APR for balance transfersintroductory rate first0% variableConsumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026Website
APR for cash advances
Great creditmedian 13.75%Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026Website
Good creditmedian 13.75%Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026Website
All applicants12.75%–14.75% variableConsumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026Website
Penalty APRafter a late or returned payment—
Paying interestgrace period on new purchases30 days from the close of each billing cycle—
How we calculate your balanceAverage daily balance including new purchases—
Annual fee$0 to $100 — $0 for up to ten issued cards, $1.50 fee per card for 11 to 20 cards. If there are more than 20 cards issued, each of those will be $1.00 fee.Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026Website
Transaction fees
Cash advanceup to 4% — CASH ADVANCE FEE: Up to 4.0% of the amount of each cash advance with a minimum of $5.00 and a maximum of $40.00.Forcht Bank, National Association · Page Capture Aug 23, 2026 · Captured Aug 23, 2026p. 1
Balance transferup to $40 — BALANCE TRANSFER FEE: Up to 3.0% of the amount of each transfer with a maximum of $40.00.Forcht Bank, National Association · Page Capture Aug 23, 2026 · Captured Aug 23, 2026p. 1
Foreign transaction1% of the amountConsumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026Website
Penalty fees
First late fee$25Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026Website
Returned payment$35Forcht Bank, National Association · Page Capture Aug 23, 2026 · Captured Aug 23, 2026p. 1
Installment-plan feesfees attached to a converted plan$1.50, per card issued between 11 and 20. If there are over 20 cards issued, they are charged an annual fee of $1.00 per card.Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026Website
Other fees
None disclosed$0Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026Website
Over limit$0Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026Website
Purchase transaction$0Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026Website
Balance transfer termsNoConsumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026Website