Detected in the CFPB-filed cardholder agreements from United Bank. Verbatim quotes below — CardSleuth flags the language; this isn't legal advice.
Jury-trial waiver
You waive your right to have a dispute heard by a jury.
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“…f Purchases is less than $5.00 then such New Balance for Advances and Purchases will be due. Your credit card includes a applicable law. You agree to waive the right to trial by jury, to the extent allowed by applicable law. Pay Ahead feature which permits you to carry over amounts paid in excess of the Minimum Payment Due to be u…”
The purchase rate was not broken out by credit tier — the issuer reported a single range.
Lowest offered21.49%
Median21.49%
Highest offered21.49%
Balance transfer APR
Promotional window: ? months
The transfer rate was not broken out by credit tier — the issuer reported a single range.
Lowest offered21.49%
Median21.49%
Highest offered21.49%
Cash advance APR
The cash advance rate was not broken out by credit tier — the issuer reported a single range.
Lowest offered19.49%
Median19.49%
Highest offered19.49%
Every fee on this card
Annual feeNone
Balance transfer feeNone
Cash advance feeNone
Foreign transaction feeNone
Purchase transaction feeNone
Late fee$25
Over-limit feeNone
Minimum finance chargeNone
Balance computationAverage daily balance including new purchases
Additional fees
Card Replacement Fee$10
Expedited Card Fee$50
Rewards, benefits and features
Rewards
Travel-related rewards
Other rewards
Services
Automobile rental insurance
Features
Chip card
Fee-free foreign transactions
Mobile wallet provisioning (for example, Apple Pay)
Issuer note: Gift cards, merchandise, pay with points, fuel points
Who can get this card
AvailabilityOne State/Territory
StatesGA
Membership requirementsYes
RequirementGeographic Restrictions Beyond Place of Residence
Geographic: The bank's assessment area and contiguous counties.
Phone770-567-7211
Balance transfer calculator
Stay put — 12 mo at 24%$600
Transfer fee (0%)$0
Promo interest at 21.49%$537.25
You save$62.75
Assumes you pay the balance down evenly across the 12-month promotional window, so the average outstanding balance is about half the transfer. Rates revert to 21.49% afterwards.
Cost to carry a balance
Interest for a year at 21.49%$644.70
Annual / periodic fees$0
Total yearly cost$644.70
Simple interest on a constant balance — a plain-language upper bound rather than an amortisation schedule. Paying in full each month within the 30-day grace period avoids the interest entirely.
Cardholder agreements
1 document filed by United Bank in the 2026 Q1 archive.