The late charge will be applied after the grace period of 10 calendar days from the loan payment due date.

You will receive an online confirmation that the transfer is complete, along with a Reference Number, after you select the "Confirm Transfer" button. We use real-time account access, and therefore as soon as you confirm the transaction, it will process. Internal transfers, excluding credit card and mortgage payments, are immediate. Mortgage and credit card accounts, which will not reflect a transfer until the next business day because payments are only processed overnight for these two types of accounts. External transfers may take up to three days to post. We recommend visiting the Account Summary or History page to verify the transfer has taken place.

You will need to open and maintain a VIP Savings Account with a minimum deposit of $5.00 throughout the time your credit card is open. This savings account establishes your membership with Landmark. We invite you to learn more about our credit cards and apply online.