Credit Card Disclosure

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Effective as of December 24, 2019


This EarnedCard Mastercard Disclosure (the “Disclosure”) forms part of the Credit Card Agreement for EarnedCard Mastercard (the "Agreement") and sets forth the rates and fees for your credit card. The Disclosure contains important information related to your EarnedCard credit card issued by Oriental Bank (the “Bank”).

Rate and Fees Table

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Note: The Earned Mastercard is not be eligible for balance transfers or cash advances.


How We Will Calculate Balances: We use a method called “average daily balance” (including new transactions). See the Agreement for more details.


Billing Rights: Information on your rights to dispute transactions and how to exercise those rights are included in the Agreement. See Your Billing Rights section for full details.


How Can I Avoid Paying Interest Charges? We will not charge interest on any transactions that post to your Purchase balance. This term may be modified with prior notice to you in accordance with law.


Change in Terms: The Bank reserves the right to change these terms with prior notice to you in accordance with law or as set forth in the Agreement. See the Amendments section for more details.

IMPORTANT INFORMATION ABOUT OPENING A NEW ACCOUNT: To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify and record information that identifies each person who opens an account. When you open an account, we will ask for your name, address, date of birth and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents.

Earned, LLC’s Standard and Annual Services: Earned, LLC (“Earned”) may provide you with Standard Services, which include the use of Earned’s mobile application to automatically process unpaid wages, with such information being provided to Bank in order to enable Bank to determine if you are eligible for over-limit spending. Earned charges $7 per month for Standard Services. Earned also offers a reduced package of services through its Annual Services membership which also includes the use of the mobile application to determine your eligibility to over-limit spending. Annual Services members upload timecard images, which are typically processed in three (3) business days. These Services are provided by Earned pursuant to the terms and conditions set forth in its Terms of Service, which further describes the Standard and Annual Services. All fees for the Standard Services are charged and collected by Earned pursuant to the Terms of Service. Bank does not provide Standard or Annual Services and does not endorse the Standard or Annual Services or require you to subscribe to the Standard or Annual Services as a condition to obtaining or maintaining the card.