Credit card offer is currently available online to residents of Hawaii, Guam and the CNMI. Purchase APRs: 16.24% for Personal Accounts; 14.24% for Priority Banking Accounts. These APRs will vary with the market based on the U.S. Prime Rate. Convenience Check Fee and Over-the-counter Cash Advance Fee: Either $5 or 3% of the amount of each check, whichever is greater (maximum fee $50). ATM Cash Advance Fee: Either $3 or 3% of the amount of each Cash Advance, whichever is greater (maximum fee $50). Over Credit Limit Fee: Up to $15 (only if you opt-in; N/A for World accounts). Returned Payment Fee: Up to $35. Penalty APR: 18%; this Penalty APR will apply until you make six consecutive minimum payments when due.