Transportation Alliance Bank, INC. Dba Tab Bank
6 cardholder agreements · 861 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.
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You can opt out of this issuer's forced arbitration
Transportation Alliance Bank, INC. Dba Tab 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:
“…ILL APPLY TO YOU UNLESS (1) YOU ARE A MEMBER, OR A DEPENDENT OF A MEMBER, OF THE ARMED FORCES ON THE DATE YOU OPEN THIS ACCOUNT, OR (2) YOU REJECT THE ARBITRATION PROVISION AS PROVIDED IN SECTION 33. IF APPLICABLE, THE ARBITRATION PROVISION WILL SIGNIFICANTLY AFFECT YOUR RIGHTS IF A DISPUTE ARISES BETWEEN YOU AND US. FOR EXAMPLE, YOU WILL NOT BE ABLE TO BRING OR PARTICIPATE IN A CLASS ACTION RELATING TO MATTERS ARISING UNDER THIS AGREEMENT. 1. Definitions: The following terms as used in this Agreement mean the following: "Annual Percentage Rate" or "APR" means the rate, disclosed as a percentage, used to calculate interest charges for your Account. "Card" means any credit card, Account number, virtual account or other access device issued by us to you, or any other form of access device that can be used to access credit on your Account. "Credit Limit" means the maximum amount of credit t…”
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 · 6 filed docsDetected in the CFPB-filed cardholder agreements from Transportation Alliance Bank, INC. Dba Tab 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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“…nt of the Account. Please keep a copy of the Agreement for your records and read it carefully. Arbitration Notice: SECTION 33 OF THIS AGREEMENT IS AN ARBITRATION PROVISION WHICH WILL APPLY TO YOU UNLESS (1) YOU ARE A MEMBER, OR A DEPENDENT OF A MEMBER, OF THE ARMED FORCES ON THE DATE YOU OPEN THIS ACCOUNT, OR (2) YOU RE…”
You can't band together with other cardholders in a class action.
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“…TION 33. IF APPLICABLE, THE ARBITRATION PROVISION WILL SIGNIFICANTLY AFFECT YOUR RIGHTS IF A DISPUTE ARISES BETWEEN YOU AND US. FOR EXAMPLE, YOU WILL NOT BE ABLE TO BRING OR PARTICIPATE IN A CLASS ACTION RELATING TO MATTERS ARISING UNDER THIS AGREEMENT. 1. Definitions: The following terms as used in this Agreement mean the following: "Annual Pe…”
You waive your right to have a dispute heard by a jury.
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“…. YOU EXPRESSLY WAIVE YOUR RIGHT TO INITIATE OR PARTICIPATE IN A CLASS ACTION RELATED TO THIS AGREEMENT PURSUANT TO UTAH CODE ANN. ?? 70C- 3-104. 29. Waiver of Jury Trial: You acknowledge that the right to trial by jury is a constitutional right but may be waived in certain circumstances. To the extent permitted…”
The issuer reserves the right to change your rates, fees and terms at any time.
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“…, before outstanding balances with lower APRs, if any. The method we use to allocate payments may result in your paying higher periodic interest. 14. Amendments: Subject to applicable law, we may change the terms of this Agreement for any reason or no reason, and in any respect, by adding, deleting or modifying any provision, including APRs, fees, the calculation of Minimum Payment Due and ot…”
The contract lets you reject arbitration (usually within a short deadline) and keep your right to sue.
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“…ON WHICH WILL APPLY TO YOU UNLESS (1) YOU ARE A MEMBER, OR A DEPENDENT OF A MEMBER, OF THE ARMED FORCES ON THE DATE YOU OPEN THIS ACCOUNT, OR (2) YOU REJECT THE ARBITRATION PROVISION AS PROVIDED IN SECTION 33. IF APPLICABLE, THE ARBITRATION PROVISION WILL SIGNIFICANTLY AFFECT YOUR RIGHTS IF A DISPUTE ARISES BETWEEN YO…”
Checked & clear: Deferred interest · Penalty APR
Cardholder agreements
Filed with the CFPB in the 2026 Q1 bulk submission. Opens the original PDF.