Managing your account information

Your credit card number is the 16-digit credit card number located on the back of your card.

Your account number is a separate 16-digit number that identifies your credit account with Customers Bank throughout the lifetime of your relationship with us. This number will start with a “9”.

Credit card numbers have the possibility of changing (for example if your card is lost or stolen you will receive a new credit card number) however, your account number will always remain the same.

Sign up for convenient online account access by via the Customers Bank Credit Card App or via the Customer Web Portal at cards.customersbank.com . The Customers Bank credit card App provides comprehensive functionality to manage your credit card account.

Get a summary of your current account status, including balance, available credit, and payment information.

In the App you can:

• View detailed transaction information and statements
• Analyze spending
• Set-up account alerts
• Schedule online payments (one-time and recurring),
• Manage payment accounts
• Update contact info
• Submit a dispute and view dispute history
• Submit account inquiries on transactions, authorizations (for example, the reason why a purchase was denied)
• View and access Customers Bank Credit Rewards
• Freeze card
• View disclosures

Open the Customers Bank Credit Card app in your mobile device. On the home page, scroll to “Spending Habits”. You will see circles labeled with one or more spending categories based on your recent purchases for the current month. To learn more about your spending history, choose a circle and tap to open.   A new page will open where you can view more detail on your spending habits in that category. The app will compare your spend for the current month, the last month and the peak month.  You can also click “All Transactions” and see the individual transactions for that category.

Alerts are account notifications that you can customize based on your credit usage and purchase behavior. Notifications can be set for transactions and payments.

Customers Bank does not charge for text alerts, however, standard message and data rates may apply from your mobile carrier.

You will be notified via email that your statement is ready. Click “See my Statement” within the email.

You can view and print your statement in the Customers Bank credit card app. From the home screen click on your Profile icon in the upper right corner. Within you Profile, scroll down to “Customers Bank Details” to find your statement.  You can view and print past statements in the app at any time by selecting “share” in the upper right corner of the screen.

There are a few ways you can make credit card payments:

The fastest way to make your credit card payment is to log into your credit card account either online at cards.customersbank.com or via the Customers Bank Credit Card app and select “Pay” to initiate a payment. You can make same day payments or set up automatic recurring payments. Payments not received by 5:00 pm PT/ 8:00 pm ET or on a day that is not a business day will be credited to your account as of the next business day. Please be sure to verify your payment account details before submitting your payment. Other options for payments are:

• Call (866) 405-0824 to make a payment by phone.

NOTE: We do not accept paper checks

Open the Customers Bank Credit Card app in your mobile device. On the home page, scroll to “Pay” and tap to open the page. Paying your balance off in full and by the due date can ensure that you do not pay any interest or fees. However, you also have the option to select a payment amount of your choice by either moving the check mark on the payment dial or clicking “Enter Amount” to type the amount you wish to pay.

We may apply your payments in the order we select, subject to applicable law. However, in general, we will apply payments to interest and fees before principal and, if you make a payment in excess of the required minimum payment, we will apply the excess amount first to your balances with the highest Annual Percentage Rate. In all cases, we will apply payments and credits in accordance with applicable law. Available credit created as a result of payments posted to your account may not be available for up to seven (7) days, or longer if circumstances warrant an additional hold, or if we deem ourselves at risk for any reason.

Yes, you can change your payment due date by calling Customer Service (866) 405-0824 to change the payment due date as long as your payment due date has not been changed more than twice within the previous 12 months. You cannot make this change on the App or online.

If you are late on a payment and your balance is past due, you will not be able to make any purchase or cash advance transactions until you have paid the balance due. Late fees and interest will apply.

Open the app in your mobile device. On the home page, tap on the ‘Pay’ section to open and to view your current balance and make a payment. To view payment history, tap the “$” symbol in the upper right corner of this page.