First National Bank Of Pennsylvania
5 cardholder agreements · 516 KB
- Starting score100
- Forced arbitration (opt-out available)-12
- Class-action waiver-12
- Jury-trial waiver-8
- Change-anytime clause-8
- Penalty APR-6
- Fair Terms score54 · grade D
See the exact wording behind each below.
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You can opt out of this issuer's forced arbitration
First National Bank Of Pennsylvania'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:
“…reement includes a binding Waiver of Jury Trial and Arbitration institution, or any other provider of goods or services. Provision. You may opt out of the Waiver of Jury Trial and Arbitration Provision by following the instructions in paragraph number 2 below. 5 IF YOU ARE A MEMBER OF THE ARMED FORCES ON ACTIVE DUTY OR ON (b) YOU ARE WAIVING YOUR RIGHT TO HAVE A COURT OTHER THAN A ACTIVE GUARD AND RESERVE DUTY OR A DEPENDENT AS DEFINED BY 10 SMALL CLAIMS TRIBUNAL RESOLVE ANY DISPUTE ALLEGED AGAINST US USCS 1072 (2)(A), (D), (E) OR (I) OF SUCH AN INDIVIDUAL, THIS ARBITRATION OR RELATED THIRD PARTIES; and AGREEMENT IS NOT APPLICABLE TO YOU AND SHALL NOT HAVE ANY (c) YOU ARE WAIVING YOUR RIGHT TO SERVE AS A REPRESENTATIVE, AS FORCE OR EFFECT PURSUANT TO THE MILITARY LENDING ACT. A PRIVATE ATTORNEY GENERAL, OR IN ANY OTHER REPRESENTATIVE CAPACITY, AND/OR TO PARTICIPATE AS A MEMBER OF A CLASS…”
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
5 red flags · 5 filed docsDetected in the CFPB-filed cardholder agreements from First National Bank Of Pennsylvania. 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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“…ver of Jury Trial and Arbitration institution, or any other provider of goods or services. Provision. You may opt out of the Waiver of Jury Trial and Arbitration Provision by following the instructions in paragraph number 2 below. 5 IF YOU ARE A MEMBER OF THE ARMED FORCES ON ACTIVE DUTY OR ON (b) YOU ARE WAIVING YOUR RI…”
You can't band together with other cardholders in a class action.
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“…WAIVING YOUR RIGHT TO SERVE AS A REPRESENTATIVE, AS FORCE OR EFFECT PURSUANT TO THE MILITARY LENDING ACT. A PRIVATE ATTORNEY GENERAL, OR IN ANY OTHER REPRESENTATIVE CAPACITY, AND/OR TO PARTICIPATE AS A MEMBER OF A CLASS OF Waiver of Jury Trial and Arbitration Provision CLAIMANTS, IN ANY LAWSUIT FILED AGAINST US AND/OR REL…”
You waive your right to have a dispute heard by a jury.
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“…reference purposes only. We may elect to not honor any access check which is written after the expiration date printed on that check. Arbitration and Waiver of Jury Trial We are not liable for any retention of your card by us, any other financial This Credit Card Agreement includes a binding Waiver of Jury Trial…”
The issuer reserves the right to change your rates, fees and terms at any time.
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“…t, and any person who has guaranteed payment of the account. 1. By notifying us that you want someone added to your Account as an authorized user; We reserve the right to amend this Agreement at any time, by adding, deleting, or 2. By lending your Card or account number to another; or changing provisions of this Agreement. All amendments will comply w…”
Slip up and your rate can jump to a much higher penalty APR.
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“…s This APR will vary with the market based on the Prime Rate APR for Cash Advances 22.49% This APR will vary with the market based on the Prime Rate. Penalty APR and When It Applies 24.00% This APR may be applied to your account if you make your payment more than 60 days after the payment due date. How Long Wi…”
“…the Index as outlined above, transfers, bets, lottery tickets, casino gaming chips, or bail bonds with your or due to the application of a default or Penalty APR as outlined in the Default card; & Penalty APR section below, your balances will not be considered Protected 5. Returned Payment: for any payment you…”
The contract lets you reject arbitration (usually within a short deadline) and keep your right to sue.
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“…it Card Agreement includes a binding Waiver of Jury Trial and Arbitration institution, or any other provider of goods or services. Provision. You may opt out of the Waiver of Jury Trial and Arbitration Provision by following the instructions in paragraph number 2 below. 5 IF YOU ARE A MEMBER OF THE ARMED FORCES ON ACTIVE DUTY OR ON (b) YOU ARE WA…”
Checked & clear: Deferred interest
Cardholder agreements
Filed with the CFPB in the 2026 Q1 bulk submission. Opens the original PDF.