Suggested for consumers with good to poor credit, this MasterCard offers a chance to rebuild credit. The application process offers you the choice of an unsecured card or a secured card. This is dependent on the bank's evaluation of your credit worthiness. If you failed to qualify for the unsecured Orchard Bank MasterCard, you could be offered the secured card. You may qualify for a credit line of a percentage of your deposit (up to a maximum unsecured line of particular amount and a total maximum credit line of another higher amount).

The credit limit for the unsecured MasterCard is competitive In the case of the secured MasterCard, your limit is based on your deposit and can be between a few hundred dollars and several thousand dollars (See terms at the issuing website). Account set up fees and participation fees will appear on your statement and reduce your available credit limit until they are paid.

The following fees and charges may apply for the Classic Orchard Bank Credit Card and the secured MasterCard:

• Annual Percentage Rate for Purchases
• Annual Percentage Rate for Cash Advances
• Annual Fee
• Processing Fee (One Time)
• Transaction Fee for Cash Advances

The secured MasterCard allows you to increase your credit limit at any time in increments of $100.00 by sending in additional deposits. The climit increases exactly by the amount of the additional deposit you send in.