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Terms:
Balance Transfers and Convenience Checks APR: 0% fixed is effective for the first twelve billing cycles after you open your account.
Balance Transfer and Convenience Check Charge: During the first twelve billing cycles: 3% of the amount of each transfer or check, $5 minimum, $50 maximum. After the first twelve billing cycles: 3% of the amount of each transfer or check with a minimum fee of $5.
