Personal Credit Card

We make it easy to choose the credit card that is right for you, with three cards to choose from. All three cards are available in two options, Low Rate Card or Preferred Points Card.

  • MasterCard® Platinum
  • World MasterCard®
  • Visa® Platinum

Personal Card – Low Rate

Benefits

  • Competitive annual percentage rate (APR).*
  • 24-hour toll-free live customer assistance available at 800-367-7576.
  • Online account information available 24/7 at www.cardaccount.net.
  • Customizable Text or Email Card Alerts for an additional level of security
  • Unlike some card offers, the APR* for purchases and cash advances is the same. We do not charge a higher rate for cash advances.
  • MasterCard® Platinum Benefits include extended warranty protection, travel accident insurance, rental car collision damage waiver protection and more. Visa® Platinum Benefit of rental car collision damage waiver protection.

Features

  • No annual fee.
  • Low introductory rate for the first six months.*
  • Competitive ongoing APR.*
  • 25-day interest-free grace period on all purchases. No grace period on cash advances.

Fees

Personal Card – Preferred Points

Benefits

  • Use your Preferred Points Card to earn points that you can redeem for rewards.  Earn one point for each dollar spent, up to 10,000 points per month.
  • MasterCard® World Benefits include concierge services, extended warranty protection, travel accident insurance, rental car collision damage waiver protection and more. Earn one point for each dollar spent up to 10,000 per month. Points can be redeemed for cash back, travel, merchandise, and retail gift cards.
  • MasterCard® Platinum Benefits include extended warranty protection, travel accident insurance, rental car collision damage waiver protection and more. Visa® Platinum Benefit of rental car collision damage waiver protection. Earn one point for each dollar spent up to 10,000 per month. Points can be redeemed for cash back, travel, merchandise, and retail gift cards.
  • 24-hour toll-free live customer assistance available at 800-367-7576.
  • Online account information available 24/7 at www.cardaccount.net.
  • Customizable Text or Email Card Alerts for an additional level of security
  • Unlike some card offers, the APR* for purchases and cash advances is the same. We do not charge a higher rate for cash advances.

Features

  • No annual fee.
  • Low introductory rate for first six months.*
  • Competitive ongoing APR.*
  • 25-day interest-free grace period on all purchases. No grace period on cash advances.
  • Cash advances can be made for up to 50% of the credit line.
  • To view or redeem rewards points, visit www.mypreferredpoints.com or call 866-678-5191.

Fees

To Apply Now

  • Download the PDF application.
  • Type the information and then print the application (you cannot save the document, so print an extra copy for yourself), or print it and then complete it using a blue or black pen. Paper applications are also available at our local branch office.
  • Fax your completed application to the Card Service Center at 972-650-7054.

Or mail your completed application to:

Card Service Center
PO Box 569120
Dallas, TX 75356-9120

*Please see application for information about current APRs and fees.

 

Benefits:

The VISA® CHIP (EMV) Debit Card is available to individuals or businesses who have a deposit account with Plumas Bank. Your CHIP (EMV) Debit Card has chip based technology that features an embedded microchip to provide enhanced security and protection against fraud.  

The card can be used at any Automated Teller Machine (ATM) displaying the VISA, STAR, PLUS, and JEANIE Symbols. When you use your VISA® CHIP (EMV) Debit Card, funds are automatically deducted from your checking account.

Here are a few of the benefits of your Plumas Bank VISA® Debit Card:

 


Enhanced Security and Fraud Protection

Your CHIP (EMV) Debit Card provides additional security when used at a chip-enabled terminal. Data stored on the chip is more difficult to counterfeit.

Global Acceptance

You'll enjoy greater acceptance when traveling, as chip cards are common in over 130 countries around the world, including Canada, Mexico, and Europe

Safe and secure.
For regular ATM transactions you use a four digit Personal Identification Number (PIN) to identify yourself. For VISA® Debit Cards transactions at a merchant that accepts Visa Debit Cards, your signature serves as identification.

Zero Liability

Zero Liability Protection means you are protected against fraudulent transactions if you notify us in a timely manner.  If you tell us within 2 business days after you learn of the loss or theft of your credentials, you can lose no more than $50, subject to Zero Liability protection. If you do not tell us within 60 days after you learn of the loss or theft of your credentials, you may lose up to $500; after 60 days it will be at Bank discretion to credit your account. We will determine whether an error occurred within 10 business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45 days to investigate your complaint or question. If we decide to do this, we will credit your account within 10 business days for the amount of the possible fraudulent activity, until the investigation is complete.  If you tell us orally, we may require that you send us your complaint or question in writing within 10 business days. If the complaint is not received in writing within 10 business days, it will be at Bank discretion whether to credit your account.

 

24-Hour access to your account
You can use your Plumas Bank VISA® Debit Card at any Plumas Bank ATM to obtain cash, make deposits, or transfer funds between Plumas Bank accounts. The card can also be used at any VISA, STAR, PLUS or JEANIE ATM to obtain cash. The Visa® Debit Card can also be used at any merchant that accepts VISA®.


 

Fees:

Plumas Bank customers using their ATM or VISA® Debit Card at other ATM machines without the VISA, STAR, PLUS or JEANIE symbols will be charged a $2.00 foreign ATM fee and the ATM owner will also charge a fee, these fee amounts vary by machine. The fee for using a foreign ATM machine is disclosed prior to completing your transaction.

Maximum Daily Withdrawal Limits: The maximum daily withdrawal limit for a Plumas Bank VISA® Debit Card is $500 cash and $2,500 for Point of Sale (POS) purchases at merchant locations and telephone and internet purchases.


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