First Choice Bank
1 cardholder agreement · 267 KB
- Starting score100
- Forced arbitration (opt-out available)-12
- Class-action waiver-12
- Jury-trial waiver-8
- Fair Terms score68 · grade C
See the exact wording behind each below.
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You can opt out of this issuer's forced arbitration
First Choice Bank's agreement lets you reject arbitration and keep your right to sue — usually within a short window after opening the account. You have to send it in writing. Here's the language from the filed agreement:
“…TO REJECT, SEE SECTION A. FIRST CHOICE BANK, KINGSTON, NEW JERSEY CREDIT CARD AGREEMENT FOR SECURED CARDS THIS AGREEMENT INCLUDES A BINDING ARBITRATION PROVISION (SECTION HH) WHICH, IF NOT REJECTED TIMELY AND PROPERLY BY YOU (SEE SECTION HH(13)), MAY REPLACE YOUR RIGHT TO GO TO COURT AS WELL AS OTHER RIGHTS YOU MAY HAVE, INCLUDING THE RIGHT TO A JURY AND THE RIGHT TO PARTICIPATE IN A CLASS ACTION OR SIMILAR PROCEEDING IN COURT OR ARBITRATION. YOUR REJECTION OF ARBITRATION WILL NOT HAVE ANY IMPACT ON YOUR RIGHT TO CREDIT OR THE TERMS OF THIS AGREEMENT. Table of Contents A. Definitions and General Terms; Right to Reject Agreement ....................................................... B. Other Defined Terms .................................................................................................................... C. Using Your Account to Obtain Credit..............................…”
Read the exact mailing address in the clause above, then use our opt-out letter template and full guide →
Contract X-Ray — what's buried in the fine print
3 red flags · 1 filed docDetected in the CFPB-filed cardholder agreements from First Choice Bank. Verbatim quotes below — CardSleuth flags the language; this isn't legal advice.
You give up your right to sue in court — disputes are pushed into private arbitration.
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“…FEES OR CHARGES. TO REJECT, SEE SECTION A. FIRST CHOICE BANK, KINGSTON, NEW JERSEY CREDIT CARD AGREEMENT FOR SECURED CARDS THIS AGREEMENT INCLUDES A BINDING ARBITRATION PROVISION (SECTION HH) WHICH, IF NOT REJECTED TIMELY AND PROPERLY BY YOU (SEE SECTION HH(13)), MAY REPLACE YOUR RIGHT TO GO TO COURT AS WELL AS OTHER…”
You can't band together with other cardholders in a class action.
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“…........ 3. Starting Arbitration ................................................................................................................. 4. No Class Actions..................................................................................................................... 5. Location and Costs ..........…”
You waive your right to have a dispute heard by a jury.
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“….. FF. Notice and Cure .......................................................................................................................... GG. Waiver of Right to Trial by Jury ............................................................................................... HH. Arbitration Provision ...........................…”
The contract lets you reject arbitration (usually within a short deadline) and keep your right to sue.
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“…CHARGES. TO REJECT, SEE SECTION A. FIRST CHOICE BANK, KINGSTON, NEW JERSEY CREDIT CARD AGREEMENT FOR SECURED CARDS THIS AGREEMENT INCLUDES A BINDING ARBITRATION PROVISION (SECTION HH) WHICH, IF NOT REJECTED TIMELY AND PROPERLY BY YOU (SEE SECTION HH(13)), MAY REPLACE YOUR RIGHT TO GO TO COURT AS WELL AS OTHER RIGHTS YOU MAY HAVE, INCLUDING THE RIGHT TO…”
Checked & clear: Deferred interest · Change-anytime clause · Penalty APR
Cardholder agreements
Filed with the CFPB in the 2026 Q1 bulk submission. Opens the original PDF.