APR for Cash Advances: 16.00% to 18.00%, rate will depend on the state in which the credit card account is domiciled. For accounts domiciled in the Georgia office, the APR for Cash Advances is 16.00%. In all other states, the APR for Cash Advances is 18.00%. Cash Advance Fee: Either $5 or 3% of the amount of each cash advance, whichever is greater. Foreign Transaction Fee: Either $2 or 3% of U.S. dollar amount of each transaction, whichever is greater; None for credit card accounts domiciled in the bank’s New York office. Returned Payment Fee: Up to $20.