How to Apply for the Elk River Bank College Rewards VISA Credit Card

If you currently have any accounts with the Bank of Elk River and are a college student wishing to build good credit, the Elk River Bank College Rewards Visa is designed for you.  With a relatively low APR (interest rate) of 12.24% to 23.24% and no annual fee, as long as you stay up to date with your payments and don’t go over your limit, this will give you the opportunity to build a good credit history (APR is subject to change).  In the tutorial below, you will be taken through all the steps necessary to apply for your Elk River Bank College Rewards Visa card.  Before entering any personal information you should consult the privacy policy of the credit card provider.


In order to be eligible for the Elk River Bank College Rewards Visa you must fulfill the following requirements:

  • be at least eighteen (18) years of age
  • have a valid US SSN
  • have a valid US street address

How to Apply

Step 1- First thing you’ll need to do in order to apply is navigate to the Bank of Elk River card summary page, find the College Rewards Visa Card and click the Learn More or Apply Now link (as seen below).


Step 2- After clicking the Learn More or Apply Now link, you will be immediately redirected to their external account handling site Elan Financial Services (EFS).  Locate the College Rewards Visa Card on this page and click the Apply Now link.


Step 3- You will now arrive directly on a form where you will have to fill all the required fields.  First, fill out the following personal information:

  • First and last name
  • Date of birth
  • SSN
  • Country of citizenship, any other countries of citizenship (if applicable) and your country of permanent residence
  • Primary (enter your mobile number if you only have your cell phone) and mobile phone number


Step 4- Provide the following:

  • Street address
  • City
  • State
  • ZIP Code
  • Time at address
  • Monthly payment (rent)


Step 5- Enter the following employment information and accounts that you have with the Elk River Bank:

  • Employment status
  • Employer (company name)
  • Occupation
  • Annual income
  • Other income (yes or no)
  • Any accounts that you already have with the Elk River Bank

Step 6- Indicate whether you would like to transfer balances from any other banks or accounts.


Step 7- Finally, indicate whether you would like to add additional cards or authorize any other card users.


Step 8- Review the page to make sure that you have properly filled all the required fields and read the Terms and Conditions.  If you accept the terms check the box indicating that this is is the case and click Submit.  You’ve now applied for your Elk River Bank College Rewards VISA Credit Card!  Good luck!