Sunrise Banks, National Association
2 cardholder agreements · 730 KB
- Starting score100
- Forced arbitration (opt-out available)-12
- Class-action waiver-12
- Jury-trial waiver-8
- Change-anytime clause-8
- Fair Terms score60 · grade C
See the exact wording behind each below.
Embed this badge on your site ↓
<script src="https://cards.techtonic.llc/widget.js" data-issuer="sunrise-banks-national-association"></script>Paste it anywhere on your site. The badge links back to this page — a real, crawlable link, not an image.
You can opt out of this issuer's forced arbitration
Sunrise Banks, National Association'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:
“…the Agreement ), which includes the Pricing Schedule, explains the current terms and conditions of your Account. THIS AGREEMENT INCLUDES AN ARBITRATION PROVISION. UNLESS YOU PROPERLY REJECT THE ARBITRATION”
“…the Agreement ), which includes the Pricing Schedule, explains the current terms and conditions of your Account. THIS AGREEMENT INCLUDES AN ARBITRATION PROVISION. UNLESS YOU PROPERLY REJECT THE ARBITRATION PROVISION, IT WILL HAVE A SUBSTANTIAL EFFECT ON YOUR RIGHTS IN THE EVENT OF A DISPUTE WITH US. FOR EXAMPLE, IF WE ELECT TO REQUIRE YOU TO ARBITRATE ANY CLAIM, YOU WILL NOT HAVE THE RIGHT TO A JURY TRIAL OR THE RIGHT TO PARTICIPATE IN A CLASS ACTION IN COURT OR IN ARBITRATION. THE ARBITRATION PROVISION DOES NOT APPLY IF, AS OF THE DATE YOU SUBMIT YOUR APPLICATION OR ON THE DATE WE SEEK TO INVOKE THE ARBITRATION PROVISION, YOU ARE A MEMBER OF THE ARMED FORCES OR A DEPENDENT OF SUCH MEMBER COVERED BY THE FEDERAL MILITARY LENDING ACT. Please read this Agreement, carefully and keep it for your records. Contact us if you have any questions. DEFINITIONS Capitalized terms not otherwise defined…”
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
4 red flags · 2 filed docsDetected in the CFPB-filed cardholder agreements from Sunrise Banks, National Association. 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.
Show the exact wording ↓Hide wording ↑
“…greement (the Agreement ), which includes the Pricing Schedule, explains the current terms and conditions of your Account. THIS AGREEMENT INCLUDES AN ARBITRATION PROVISION. UNLESS YOU PROPERLY REJECT THE ARBITRATION”
“…greement (the Agreement ), which includes the Pricing Schedule, explains the current terms and conditions of your Account. THIS AGREEMENT INCLUDES AN ARBITRATION PROVISION. UNLESS YOU PROPERLY REJECT THE ARBITRATION PROVISION, IT WILL HAVE A SUBSTANTIAL EFFECT ON YOUR RIGHTS IN THE EVENT OF A DISPUTE WITH US. FOR EXAMPL…”
You can't band together with other cardholders in a class action.
Show the exact wording ↓Hide wording ↑
“…believe is incorrect. Severability If any part of this Agreement is found to be invalid, the rest of it will still remain in effect. However, if the waiver of class actions in the ARBITRATION section is invalidated in any proceeding in which you and we are involved, then the entire ARBITRATION section will be voi…”
You waive your right to have a dispute heard by a jury.
Show the exact wording ↓Hide wording ↑
“…IVER EXCEPT AS OTHERWISE PROVIDED BELOW, ALL DISPUTES WILL BE DECIDED BY BINDING & FINAL ARBITRATION. THIS AGREEMENT ALSO CONTAINS A CLASS ACTION AND JURY TRIAL WAIVER. THIS AGREEMENT IS EFFECTIVE AS WHEN YOU OPENED YOUR CARD ACCOUNT OR WHEN IT THIS AGREEMENT WAS PROVIDED TO YOU, WHICHEVER OCCURS FIRST. This Arbit…”
The issuer reserves the right to change your rates, fees and terms at any time.
Show the exact wording ↓Hide wording ↑
“…fee after receiving a billing statement. If you reject this Agreement, you are not responsible for any fees or charges. CHANGES TO YOUR AGREEMENT We may change this Agreement for any reason and at any time, subject to applicable law. This means that we can change rates and fees that apply to your Account. It also means we can add, replace, or remove pro…”
The contract lets you reject arbitration (usually within a short deadline) and keep your right to sue.
Show the exact wording ↓Hide wording ↑
“…greement (the Agreement ), which includes the Pricing Schedule, explains the current terms and conditions of your Account. THIS AGREEMENT INCLUDES AN ARBITRATION PROVISION. UNLESS YOU PROPERLY REJECT THE ARBITRATION”
“…greement (the Agreement ), which includes the Pricing Schedule, explains the current terms and conditions of your Account. THIS AGREEMENT INCLUDES AN ARBITRATION PROVISION. UNLESS YOU PROPERLY REJECT THE ARBITRATION PROVISION, IT WILL HAVE A SUBSTANTIAL EFFECT ON YOUR RIGHTS IN THE EVENT OF A DISPUTE WITH US. FOR EXAMPLE, IF WE ELECT TO REQUIRE YO…”
Checked & clear: Deferred interest · Penalty APR
Cardholder agreements
Filed with the CFPB in the 2026 Q1 bulk submission. Opens the original PDF.