Convenient Services

Visa Credit Card

Great News! We are pleased to announce a new partnership with TCM Bank, a company that provides specialized credit card services only offered through community banks. Through TCM, State Bank of Danvers has a new and improved Platinum VISA credit card available exclusively for our customers!

Our VISA® Platinum Credit Card Offers Great Benefits!

  • No Annual Fee*
  • 0% Intro APR on Balance Transfers for the first twelve billing cycles*
  • Reward points for merchandise and travel
  • Tickets good on any airline with no blackout dates
  • Travel Accident Insurance
  • Personal service from people you know
Card Type Purchase APR Balance Transfer APR Annual Fee
Visa Platinum
with Rewards

0% Intro APR for the first 12
billing cycles

9.24% - 23.24% Variable APR
after that*

0% Intro APR for the first 12
billing cycles

9.24% - 23.24% Variable APR 
after that.

None. *

 Rewards Platinum - unlimited reward points that don’t expire. Earn one point per dollar on net purchases and redeem them for merchandise, rental cars, travel and much more. Visit cRewardsCard.com for details. 

Apply For Visa® Platinum Credit Card Now

*See the card application's Important Disclosures for current terms, rates and fees. Credit cards are subject to credit approval. Cards are issued by TCM Bank, N.A.

Option 1: Trigger terms with disclosure

If you would like to display trigger terms such as No Annual Fee or a 0% Introductory APR, you must disclose additional rate information in a clear and conspicuous manner. For example:

Our Platinum credit cards offer hometown convenience, worldwide acceptance and great benefits.

Three great options all from the bank you know best.

Rewards Platinum Earn one point per dollar on net purchases and

redeem them for merchandise, rental cars, travel and more. Visit cRewardsCard.com for details.4

Cash Rewards Platinum - earn 1% cash back on all net purchases. Cash rewards never expire.4

Platinum Edition - no penalty APR and low interest rates*.

Enjoy the following features with all of the above options:

• No Annual Fee*

• 0% Intro APR* on Purchases and Balance Transfers for 12 months. After that, a variable APR, currently 9.24% - 23.24% will apply.*

• Mobile Payments for a safe and secure way to pay

• Free FICO® Score1

• Fraud Monitoring and Zero Fraud Liability

• SecurLOCKTM Email and Text Fraud Alerts

• Cell Phone Protection2

• Travel Accident Insurance3

• ID Navigator Powered by NortonLifeLock5

Apply Now (link to application platform provided by TCM)

*0% Intro Annual Percentage Rate applies to purchases and balance transfers for the first 12 billing cycles after account opening. When this period ends, your APR will vary based on the highest U.S. Prime Rate published in the Wall Street Journal on the last business day of the calendar month prior to your statement closing date (“Last Business Day”) and apply it beginning with the first billing period following the Last Business Day. We add a margin to the Prime Rate to determine variable APRs. APRs shown here are based on a 3.50% Prime Rate. For each billing period, the APR may increase or decrease with the Prime Rate. Rewards Platinum APRs are currently between 10.24% and 20.24%, Platinum Edition APRs are currently between 9.24% and 19.24%, and Cash Rewards Platinum APRs are currently between 13.24% and 23.24%. Rates are accurate as of May 1, 2022 and are subject to change. To find out what may have changed, contact us or check our website for current rates. If you make a late payment or make a payment that is returned unpaid during the introductory period we may end your introductory APR and apply the standard purchase and balance transfer APR. Balance transfer fees are either $5 or 3% of each balance transferred, whichever is greater. Cash advance fees are either $5 or 3% of each cash advance, whichever is greater. Foreign transaction fees, for merchants located outside of the U.S., are (a) 1% of the U.S. dollar amount of the transaction, if converted from a foreign currency, or (b) 1% of the U.S. dollar amount of the transaction, if made in U.S. dollars. Subject to credit approval. This card is issued by TCM Bank, N.A.

1FICO is a registered trademark of Fair Isaac Corporation in the United States and other countries. FICO® Scores are updated monthly. You may not see your FICO® Score right away. Some exclusions apply. Cardholders receiving employee pricing are not eligible.

2Certain terms, conditions and exclusions apply. In order for the coverage to apply, you must charge your eligible cellular wireless bill to your covered TCM Bank-issued card. To learn more about this benefit visit the FAQ section at www.cardbenefitservices.com or call 1-866-894-8569.

3Coverage applies when -the entire cost of the fare (less redeemable certificates, vouchers, or coupons) has been charged to the card. Your account must be in good standing. Restrictions to coverage may apply.

4In order to access rewards, your account must be open and in good standing.

5No one can prevent all identity theft.

Option 2: Trigger Terms with Disclosure and Detailed Features

If you would like to display trigger terms such as No Annual Fee or a 0% Introductory APR, you must disclose additional rate information in a clear and conspicuous manner. For example:

Our Platinum credit cards offer hometown convenience, worldwide acceptance and great benefits.

Three great options all from the bank you know best.

Rewards Platinum Earn one point per dollar on net purchases and redeem them for merchandise, rental cars, travel and more. Visit cRewardsCard.com for details.4

Cash Rewards Platinum - Cash rewards never expire. Earn 1% cash back on all net purchases.4

Platinum Edition - No penalty APR and low interest rates*.

Enjoy the following features with all of the above options:

No Annual Fee*

0% Intro APR* on Purchases and Balance Transfers for 12 months. After that, a variable APR, currently 9.24% - 23.24% will apply.*

Mobile Payments - a safe and secure way to pay with Apple Pay®, Google Pay™, or Samsung Pay™.

Free FICO® Score1 - view your FICO® Score for free and monitor your credit

Fraud Monitoring and Zero Fraud Liability - we monitor your account for fraudulent charges and your liability for unauthorized transactions is $0.

SecurLOCKTM Email and Text Fraud Alerts - receive alerts regarding suspicious charges on your account

Cell Phone Protection2 - protect your phone from theft or damage when you pay your bill with this card2

Travel Accident Insurance3 - you’re covered up to $150,000 when you use this card to purchase travel tickets

ID Navigator Powered by NortonLifeLock5 - stay informed of potential threats to your identity

Apply Now (link to application platform provided by TCM)

*0% Intro Annual Percentage Rate applies to purchases and balance transfers for the first 12 billing cycles after account opening. When this period ends, your APR will vary based on the highest U.S. Prime Rate published in the Wall Street Journal on the last business day of the calendar month prior to your statement closing date (“Last Business Day”) and apply it beginning with the first billing period following the Last Business Day. We add a margin to the Prime Rate to determine variable APRs. APRs shown here are based on a 3.50% Prime Rate. For each billing period, the APR may increase or decrease with the Prime Rate. Rewards Platinum APRs are currently between 10.24% and 20.24%, Platinum Edition APRs are currently between 9.24% and 19.24%, and Cash Rewards Platinum APRs are currently between 13.24% and 23.24%. Rates are accurate as of May 1, 2022 and are subject to change. To find out what may have changed, contact us or check our website for current rates. If you make a late payment or make a payment that is returned unpaid during the introductory period we may end your introductory APR and apply the standard purchase and balance transfer APR. Balance transfer fees are either $5 or 3% of each balance transferred, whichever is greater. Cash advance fees are either $5 or 3% of each cash advance, whichever is greater. Foreign transaction fees, for merchants located outside of the U.S., are (a) 1% of the U.S. dollar amount of the transaction, if converted from a foreign currency, or (b) 1% of the U.S. dollar amount of the transaction, if made in U.S. dollars. Subject to credit approval. This card is issued by TCM Bank, N.A.

1FICO is a registered trademark of Fair Isaac Corporation in the United States and other countries. FICO® Scores are updated monthly. You may not see your FICO® Score right away. Some exclusions apply. Cardholders receiving employee pricing are not eligible.

2Certain terms, conditions and exclusions apply. In order for the coverage to apply, you must charge your eligible cellular wireless bill to your covered TCM Bank-issued card. To learn more about this benefit visit the FAQ section at www.cardbenefitservices.com or call 1-866-894-8569.

3Coverage applies when -the entire cost of the fare (less redeemable certificates, vouchers, or coupons) has been charged to the card. Your account must be in good standing. Restrictions to coverage may apply.

4In order to access rewards, your account must be open and in good standing.

5No one can prevent all identity theft.

Option 3: No trigger terms

Our Platinum credit cards offer hometown convenience, worldwide acceptance and great benefits.

Three great options all from the bank you know best.

Rewards Platinum - unlimited reward points. Earn one point per dollar on net purchases and redeem them for merchandise, rental cars, travel and more. Visit cRewardsCard.com for details.3

Cash Rewards Platinum - earn 1% cash back on all net purchases. Cash rewards never expire.3

Platinum Edition - no penalty APR and competitive rates.*

Enjoy the following features with all of the above options:

Competitive Rates*

Mobile payments like Apple Pay® and Google Pay™ for a safe and secure way to pay

Free FICO® Score1

Cell Phone Protection2

Fraud Monitoring and Zero Fraud Liability

  • TM Email and Text Fraud Alerts

ID Navigator Powered by NortonLifeLock4

Apply Now (link to application platform provided by TCM)

*See the card application’s Important Disclosures for current terms, rates and fees. This card is issued by TCM Bank, N.A. Subject to credit approval.

1FICO is a registered trademark of Fair Isaac Corporation in the United States and other countries. FICO® Scores are updated monthly. You may not see your FICO® Score right away. Some exclu­sions apply. Cardholders receiving employee pricing are not eligible.

2Certain terms, conditions and exclusions apply. In order for the coverage to apply, you must charge your eligible cellular wireless bill to your covered TCM Bank-issued card. To learn more about this benefit or to file a claim visit the FAQ section at www.cardbenefitservices.com or call 1-866-894-8569.

3In order to access rewards, your account must be open and in good standing.

4No one can prevent all identity theft.

Safe Deposit Boxes - we have the following sizes of safe deposit boxes available
2 x 5 $10.00 per year
3 x 5 $15.00 per year
5 x 5 $25.00 per year
3 x 10 $30.00 per year
5 x 10 $50.00 per year
10 x 10 $75.00 per year
Subtract $10.00 from your yearly Safe Deposit Box charge if you have a Premier, NOW, Money Market or Super Savings Account. 
  • Debit Cards
  • ATM
  • Wire Transfer Service
  • Notary Public Service
  • ACH Origination
  • Account Balancing and Research
  • Fax Service
  • Night Depository
  • Cashier's Checks
  • Personal Money Orders

TCM Standard Disclosures

Travel Accident Insurance
Coverage applies when the entire cost of the fare (less redeemable certificates, vouchers, or coupons) has been charged to the card. Your account must be in good standing. Restrictions to coverage may apply.

Standard Issuer Statement
This card is issued by TCM Bank, N.A. Subject to credit approval.