Foundation Credit Card

A Smart First Step Toward Building Credit

Designed for first-time credit users, the Farmers Bank & Trust Foundation Credit Card offers a $750 credit limit to help you establish credit while keeping spending manageable. Track purchases and make payments anytime through MyFarmers Online and Mobile Banking.

 

Apply for a Foundation Card























Foundation Card at a Glance

$750 Credit Limit
A manageable starting limit designed for first-time credit users.

No Annual Fee
Build credit without paying an annual card fee.

Manage It Online
View transactions and make payments through MyFarmers Online and Mobile Banking.

Potential to Move Up
Responsible card use could help you qualify for a Farmers Bank & Trust Personal Credit Card within one year.*

 

*Eligibility to move to a Farmers Bank & Trust Personal Credit Card requires at least six valid transactions and no delinquencies. Additional qualifications may apply.












Build Credit With Confidence

Your credit score is based on information in your credit report and helps lenders understand how you have managed credit. Paying on time and keeping your balances low can help you build a stronger credit history over time.

Monitor your credit score and learn what may be affecting it with My Financial Health.
Try to use only a small portion of your available credit at a time. Keeping your balance manageable, and paying it in full whenever possible, can help demonstrate responsible credit use while reducing the interest you pay.
Paying at least the minimum amount due by the due date helps you avoid late fees and protect your credit history. Consider setting up automatic payments or account alerts so a payment does not slip through the cracks. Paying the full statement balance whenever possible can also help you avoid interest charges.
Before using your card, decide how much you can comfortably repay each month. Include credit card purchases in your regular budget and track your spending through MyFarmers Online or Mobile Banking. Use the card for planned purchases, not as additional income.






Important Phone Numbers

  • 24/7 Service Number: 800-944-2726
  • Lost or Stolen Card Service Number: 866-563-1335

Cardholder Resources & Disclosures

How We Will Calculate Your Balance: We use a method called "average daily balance" (including new purchases).

Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement.

** If your Total Minimum Payment Due is not received by your Payment Due Date, a Late Payment Fee will be assessed. However, the Late Payment Fee will not exceed the total minimum payment that was due.
 
All account terms are governed by the Credit Card Agreement. Account and Agreement terms are not guaranteed for any period of time. In accordance with the Agreement and applicable law, we may change them based on information in your credit report, market conditions, business strategies, or for any reason.