Detected in the CFPB-filed cardholder agreements from Hills Bank And Trust Company. Verbatim quotes below — CardSleuth flags the language; this isn't legal advice.
Forced arbitration with no opt-out found — you likely can't take this issuer to court, and there's no way to reject it.
Forced arbitration
You give up your right to sue in court — disputes are pushed into private arbitration.
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“…, either you or we question, along with applicable interest and fees. We will send you a statement of the may choose to have that dispute resolved by binding arbitration. If arbitration is amount you owe and the date payment is due. We may then report you as delinquent chosen by any party, neither you nor we will have…”
“…that if a dispute of any kind arises out of this Agreement, either you or we fees related to that amount. may choose to have that dispute resolved by binding arbitration. If arbitration is (b) If we do not believe there was a mistake: You will have to pay the amount in chosen by any party, neither you nor we will have…”
The cash advance rate was not broken out by credit tier — the issuer reported a single range.
Lowest offered17.75%
Median17.75%
Highest offered17.75%
Every fee on this card
Annual feeNone
Balance transfer feeNone
Cash advance fee3% (min $5)
Foreign transaction fee1%
Purchase transaction feeNone
Late fee$27
Over-limit feeNone
Minimum finance charge$0.50
Balance computationAverage daily balance including new purchases
Additional fees
Returned payment fee$27
Returned Convenience Check Fee$35
Rewards, benefits and features
Rewards
None reported
Services
None reported
Features
Contactless Payments
Chip card
Fee-free foreign transactions
Mobile wallet provisioning (for example, Apple Pay)
Who can get this card
AvailabilityOne State/Territory
StatesIA
Membership requirementsOpen to the public
Phone1-800-445-5725
Balance transfer
This card does not offer a balance transfer rate.
Cost to carry a balance
Interest for a year at 13.75%$412.50
Annual / periodic fees$0
Total yearly cost$412.50
Simple interest on a constant balance — a plain-language upper bound rather than an amortisation schedule. Paying in full each month within the 25-day grace period avoids the interest entirely.
Cardholder agreements
2 documents filed by Hills Bank And Trust Company in the 2026 Q1 archive.