Get More with Mastercard® and American Express®

We’re changing credit card providers to provide additional features and flexibility. With the switch to Elan Credit Card Services, we will now offer MasterCard® as well as American Express®. We are pleased to offer all the benefits associated with two of the largest credit card issuers- without the high rates and fees typically charged!

 

Mark Your Calendar

  • New Cards are arriving in the mail from August 27 to September 10
  • September 14- Last day to make payments
  • September 20- Last day Atira cards will work
  • September 25- Existing balances post to new account
  • September 26- First statements from Elan
  • September 27- Rewards points balance will be posted

 

Activation is Easy

 

  1. Check the mail.
  2. Call the Cardmember Service number on the card.
    • Consumer card: 1-800-558-3424
  3.      Sign the back of the card
  4.      Destroy the old card
  5.      Use the new card

 

Update Automated Account Services

  • Change any automatic charges and/or payments to the new card number. Ex. Gym membership, prescription medication, utility bills
  • Update payee information (Name, Address, Card Number) with your online bill pay

 

Conversion Features

  • Same rates
  • Balance transfer
  • Seamless transfer of reward points
  • Cash Advances 
    • Not available for American Express
  • New rewards
    • Cashback (100 points = $1.00)
    • Gift cards (Starbucks, Amazon, Visa)
    • Airline travel
    • Brand name merchandise (laptops, tv’s, appliances)
  • Online access: www.myaccountaccess.com
    • Review last six statements
    • Make a payment
    • Set up Auto Pay
    • Sign up for account alerts and paperless statements
    • Download transaction data
    • Change PIN
    • Contact Cardmember Service
    • Review rewards program
  • Payment Options
    • Auto-Pay
    • Online 
      • www.myaccountaccess.com
    • Phone
      • 1-800-558-3424 (Personal)
      • 1-866-552-8855 (Business)
    • Mail
      • Cardmember Service 
      • PO Box 790408
      • St Louis, MO 63179-0408

 

 

The Fine Print

*Consumer Credit Cards: Platinum: The 0% introductory APR applies to purchases and balance transfers and is valid for the first 15 billing cycles. The introductory APR does not apply to cash advances. Thereafter, the APR may vary and as of 06-13-18, the undiscounted variable APR for Purchases and Balance Transfers is P+8.74%-P+17.74% (based on your creditworthiness). Annual fee: $0. Real Rewards and Cash Rewards: The 0% introductory APR applies to purchases and balance transfers and is valid for the first 6 billing cycles. The introductory APR does not apply to cash advances. Thereafter, the APR may vary and as of 06-13-18, the undiscounted variable APR for Purchases and Balance Transfers is P+10.74%-P+19.74% (based on your creditworthiness). Annual fee: $0. Premier Rewards: The APR may vary and as of 06-13-18, the undiscounted variable APR for Purchases and Balance Transfers is P+10.74%-P+19.74% (based on your creditworthiness). Annual fee: $0 introductory annual fee the first year. After that, $99. Foreign Transaction fee is 0%. Secured: The APR may vary and as of 06-13-18, the undiscounted variable APR for Purchases and Balance Transfers is P+17.74%. Annual fee: $35. Platinum, Real Rewards, Cash Rewards, and Secured: The Foreign Transaction fee is 2% of each foreign purchase transaction or foreign ATM advance transaction in U.S. Dollars, and 3% of each foreign purchase transaction or foreign ATM advance transaction in a Foreign Currency. All Cards: The variable APR for Cash Advances is P+20.74%. Cash Advance fee: 4% of each advance amount, $10 minimum. Cash Equivalent fee: 4% of each cash amount, $20 minimum. Balance Transfer fee: 3% of each transfer amount, $5 minimum. Convenience Check fees: 3% of each check amount, $5 minimum. There is a $2 minimum interest charge where interest is due. We apply your minimum payment to balances with lower APRs first, including promotional APRs. Amounts paid over the minimum payment will be applied in the order of highest to lowest APR balances. We may change APRs, fees and other Account terms in the future based on your experience with Elan Financial Services and its affiliates as provided under the Cardmember Agreement and applicable law. The creditor and issuer of these cards is Elan Financial Services, pursuant to separate licenses from Visa U.S.A. Inc., American Express and Mastercard International Incorporated. American Express is a federally registered service mark of American Express.

*Business Credit Cards: Business Card: The 0% introductory APR applies to purchases and balance transfers and is valid for the first 15 billing cycles. The introductory APR does not apply to cash advances. Thereafter, the APR may vary and as of 06-13-18, the undiscounted variable APR for Purchases and Balance Transfers is P+8.74%-P+17.74% (based on your creditworthiness). Annual fee: $0. Business Cash and Business Real Rewards: The 0% introductory APR applies to purchases and balance transfers and is valid for the first 6 billing cycles. The introductory APR does not apply to cash advances. Thereafter, the APR may vary and as of 06-13-18, the undiscounted variable APR for Purchases and Balance Transfers is P+10.74%-P+19.74% (based on your creditworthiness). Annual fee: $0. Business Rewards PLUS: The APR may vary and as of 06-13-18, the undiscounted variable APR for Purchases and Balance Transfers is P+10.74%-P+19.74% (based on your creditworthiness). Annual fee: $0 for the first year. After that, $99. Foreign Transaction fee is 0%. Business Card, Business Cash and Business Real Rewards: The Foreign Transaction fee is 2% of each foreign purchase transaction or foreign ATM advance transaction in U.S. Dollars, and 3% of each foreign purchase transaction or foreign ATM advance transaction in a Foreign Currency. All Cards: The variable APR for Cash Advances is P+20.74%. Cash Advance fee: 4% of each advance amount, $10 minimum. Cash Equivalent fee: 4% of each cash amount, $20 minimum. Balance Transfer fee: 3% of each transfer amount, $5 minimum. Convenience Check fees: 3% of each check amount, $5 minimum. There is a $2 minimum interest charge where interest is due. We apply payments to balances with lower APRs, including promotional APRs before balances with higher APRs. We may change APRs, fees and other Account terms in the future based on your experience with Elan Financial Services and its affiliates as provided under the Cardmember Agreement and applicable law. **CommUNITY and Company Cards: Convenience Check fee: 4% of each check amount, $10 minimum. Cash Advance fee: 4% of each advance amount, $10 minimum. Cash Equivalent fee: 4% of each cash amount, $20 minimum. Balance Transfer fee: 4% of each transfer amount, $10 minimum. Late Payment Fee: 3% of outstanding balance amount or $39 minimum, whichever is greater. Both non rewards and reward products are pay-in-full products with 0% APR. Rewards CommUNITY and Company: Annual fee is $99. Foreign Transaction fee is 0%. Non rewards CommUNITY and Company: Annual fee is $0. Foreign transaction fee is 2% of each foreign purchase transaction or foreign ATM advance transaction in U.S. Dollars, and 3% of each foreign purchase transaction or foreign ATM advance transaction in a Foreign Currency. CommUNITY and Company Cards: We may change fees and other Account terms in the future based on your experience with Elan Financial Services and its affiliates as provided under the Cardmember Agreement and applicable law. The creditor and issuer of these cards is Elan Financial Services, pursuant to separate licenses from Visa U.S.A. Inc., and Mastercard International Incorporated. STND