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Visa and MasterCard:  A Credit Card Service We are Very Proud to Offer Our Customers!

In 1991, the TSB Bank established a VISA and MasterCard program.  Our hometown credit cards provide a valuable service we are very proud to offer to our customers.  Because of new regulations, TSB Bank has re-evaluated and updated our credit card terms, with the effective date of July 16, 2010.  Below are the terms for our VISA and MasterCard programs.

Card Terms Effective July 16, 2010
Annual Percentage Rate (APR) for Purchases, Balance Transfers, and Cash Advances

Variable Rate of:


determined by adding


to the Prime Rate*

Ceiling of


Late Payment Fee $15.00
Return Payment Fee $15.00
Over-the-Credit Limit Fee


You will not be allowed to go over the credit limit established by TSB.

How to Avoid Paying Interest on Purchases Your due date is at least 25 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 of each month.

* The "Prime Rate" is the highest prime rate published in the Money Rates column of the Wall Street Journal on the first Tuesday of the prior month.

Cash-back credit = Scorecard: up to 1% back on yearly retail credit card purchases.

Establish credit: Paying credit card balances on time is a great way to establish good credit.


  • Questions answered and problems handled through TSB, by a person, not an automated voice-response system!
  • If you lose your card, or realize your card has been stolen, don't panic, just call TSB Bank and we will take care of the rest.

If you don't have a TSB Credit Card, apply for one now and then pass the word about the advantages of having one!

Online Credit Card Statement - View your TSB Bank Credit Card statement online!

Verified by Visa - TSB Bank Visa branded credit cards can be enrolled in the Verified by Visa program to increase your online purchasing security.

MasterCard® SecureCode™ - SecureCode is a service that helps protect MasterCard card accounts against unauthorized Internet transactions by using identity information established between you and TSB.  Once you activate the service, your card cannot be used at a participation Internet merchant without authentication.

The overall objective of SecureCode is to improve the security of payment transactions in the electronic commerce environment.  It is designed to improve your confidence in Internet purchases, as well as reduce disputes and fraudulent activity related to the use of MasterCard payment cards.

SecureCode information for TSB Bank's Debit Card program can be found here.