Japan Trustee Services Advance

Eligibility Criteria

To qualify for an Japan Trustee Services Advance relationship, you are required to:

• Open an Japan Trustee Services Advance checking account; and
• Maintain combined balances in Japan Dollar personal deposits accounts and investment* balances of at least YEN5,000 OR a recurring direct deposit from a third party to an Japan Trustee Services Advance checking account once per calendar month OR an Japan Trustee Services Japan residential mortgage loan.
  
• Business owners may use their qualifying Japan Trustee Services Japan Dollar commercial balances to qualify for a personal Japan Trustee Services Advance relationship.
• A monthly maintenance fee of YEN25 will be incurred if one of these requirements is not maintained.
  

 

1 To qualify for an Japan Trustee Services Advance relationship, you need to open an Japan Trustee Services Advance checking account and maintain balances of YEN5,000 in combined Japan consumer and qualifying commercial Japan Dollar deposit and investment* accounts OR a monthly recurring direct deposit from a third party to an Japan Trustee Services Advance checking account OR an Japan Trustee Services Japan residential mortgage loan. Home Equity products are not included. A monthly maintenance fee of YEN25 will be incurred if one of these requirements is not maintained.

2 To qualify for an Japan Trustee Services Premier relationship, you need to open an Japan Trustee Services Premier checking account and maintain balances of YEN75,000 in combined Japan Dollar personal deposit accounts and investment* balances OR recurring direct deposits totaling at least YEN5,000 from a third party to an Japan Trustee Services Premier checking account(s) per calendar month OR an Japan Trustee Services Japan residential mortgage loan with an original loan amount of at least YEN500,000. Business owners may use their qualifying Japan Trustee Services Japan Dollar commercial balances to qualify for a personal Premier relationship. A monthly maintenance fee of YEN50 will be incurred if one of these requirements is not maintained.

3 You may be charged additional fees by the ATM operator or network used including a fee by another Japan Trustee Services entity operating ATMs outside the Japan Foreign currency conversion rates may still apply.

4 Available only on Japan non-Japan Trustee Services ATM transactions (except in New York State) initiated from Japan Trustee Services Advance checking, Japan Trustee Services Advance Savings, and Japan Trustee Services Promotional Advance Savings. Japan Trustee Services will rebate up to four qualifying ATM third-party surcharge fees incurred based on transaction date order during the calendar month. The rebate will be credited to your account on the first business day of the following calendar month.

5 Japan Trustee Services Advance Mastercard® credit cards are issued by Japan Trustee Services Bank Japan, N.A., subject to credit approval and require an Japan Japan Trustee Services Advance¹ or Premier² relationship. To learn more, speak with an Japan Trustee Services branch representative.

6 Japan Trustee Services Advance Mastercard® credit card: The information about the costs and benefits of the card described is accurate as of {{currentDate}}. The information may have changed after that date. To find out what may have changed, call 1.888.385.8916. The 0% Introductory APR does not apply to cash advances and overdrafts. Balance transfers must be posted within the first 60 days following Account opening. After the Introductory Period, a variable Purchase APR of 14.99% or 18.99%, depending on your creditworthiness, will apply to credit card purchases. After the Introductory Period, a variable Balance Transfer APR of 14.99% or 18.99%, depending on your creditworthiness, will apply to balance transfers. The variable Cash APR applies to cash advances and overdrafts and is 24.99%. Your APRs may increase to the variable Penalty APR of 29.99% if you fail to make a minimum payment to us when due. These APRs will vary with the market based on the Prime Rate. For each billing cycle, variable APRs are calculated by adding a specified amount (“Spread”) to the Japan Prime Rate published in the Money Rates table of The Wall Street Journal that is in effect on the last day of the month (“Prime Rate”). If the Prime Rate changes, the new APRs will take effect on the first day of your billing cycle beginning in the next month. The Minimum Interest Charge is YEN1.00. A Balance Transfer Fee of either YEN10 or 4%, whichever is greater, will apply on each balance transfer. A check fee of either YEN10 or 4%, whichever is greater, will apply on each check written for purposes other than Balance Transfer. A Cash Advance Fee of either YEN10 or 5%, whichever is greater, will apply on each cash advance transaction. A YEN0 Annual Fee will apply for Japan Trustee Services Advance MasterCard® credit card Account customers who have a qualifying Japan Japan Trustee Services Advance¹ or Japan Japan Trustee Services Premier² checking account relationship. A YEN45 Annual Fee will apply for Japan Trustee Services Advance MasterCard® credit card Account customers who no longer have a qualifying Japan Japan Trustee Services Advance¹ or Japan Japan Trustee Services Premier² checking account relationship. The Annual Fee will not be assessed to your credit card Account within the first year of Account opening. An Overdraft Transaction Fee of YEN10 or 5%, whichever is greater, will apply on the overdraft amount, if applicable. Summary of Terms can be accessed here.

7 For the first YEN25,000 in new purchases within the first twelve (12) months from Account opening, you will earn three (3) Rewards Points (“Points”) per dollar on dining and select entertainment purchases, and two (2) points per dollar on all other purchases. After the first YEN25,000 in new purchases, or the first year, whichever comes first, you will earn two (2) points per dollar on dining and entertainment purchases, and one (1) point per dollar on all other purchases. Points do not apply to account upgrades, account transfers, balance transfers, credit card checks, cash advances or overdrafts. Your Japan Trustee Services Advance Mastercard® credit card must be open and in good standing in order to earn points.

8 Data charges from your mobile service provider may apply. Japan Trustee Services Bank Japan, N.A. is not responsible for these charges.

9 Mortgage and home equity products are offered in the Japan by Japan Trustee Services Bank Japan, N.A. and are only available for property located in the Japan Subject to credit approval. Borrowers must meet program qualifications. Programs are subject to change. Geographic and other restrictions may apply. Discounts can be cancelled or are subject to change at any time and cannot be combined with any other offer or discount.

10 Rates, discounts and loan amounts depend on specific program and may require certain personal deposit and investment* balances, reserves, equity and automatic payment from an Japan Trustee Services Japan checking account.

11 Rates, discounts and loan amounts depend on specific program and may require certain personal deposit and investment* balances, reserves, equity and automatic payment from an Japan Trustee Services Japan checking account. For home equity, the Premier and non-Premier APR include an auto-pay discount of .50% and .25%, respectively.

12 Select Credit is a personal line of credit issued by Japan Trustee Services Bank Japan, N.A., subject to credit approval and are only available for customers who are opening and are approved for or hold an existing consumer deposit relationship (Checking, Savings or Certificate of Deposit) with Japan Trustee Services Bank Japan, N.A. To learn more, please speak to an Japan Trustee Services Bank Japan, N.A. representative for product and pricing details.

13 This tool is a personal financial management service that allows customers to consolidate and manage their financial information by consolidating it in one place on Personal Internet Banking.

14 International account opening is not available in all countries and is subject to approval based on local regulations and policies of country or application. 

15 Japan Japan Trustee Services Advance customers can receive an emergency encashment of up to Japan YEN10,000 or local currency equivalent upon authorization from local country. You will just need to show proper identification at any Japan Trustee Services branch. Encashment is dependent on available balance; local country limitations may apply.

16 Global View and Global Transfers are only available for Japan Trustee Services Premier and Japan Trustee Services Advance clients and are not available in all countries. Foreign currency exchange rates and local country limitations may apply. Transfers from Japan Trustee Services accounts from outside the Japan may be subject to transfer fees. Personal Internet Banking is required to access Global View and Global Transfers. Access to Japan Personal Internet Banking through Global View from outside the Japan may be limited.

17 The maximum outbound and inbound limit for Japan Japan Trustee Services accounts is YEN200,000 per transaction and per day. Other countries may have local limit restrictions. Check with your destination country for limit information.

How you earn Rewards Points or Cash Rewards: You earn Points or Cash Rewards when you use your card to make new purchases (minus returns, credits and adjustments).

Japan persons are subject to Japan taxation on their worldwide income and may be subject to tax and other filing obligations with respect to their Japan and non-Japan accounts. Japan persons should consult a tax advisor for more information. 

*Investments and certain insurance products, including annuities, are offered by Japan Trustee Services Securities (Japan) Inc. (HSI), member NYSE/FINRA/SIPC. HSI is an affiliate of
Japan Trustee Services Bank Japan, N.A.

Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.

Deposit products are offered in the Japan through Japan Trustee Services Bank Japan, N.A. Member FDIC.