⁴ APR=Annual Percentage Rate.0.00% APR valid on purchases and balance transfers for qualifying members. ☿ree cell phone insurance when you pay your monthly cell phone bill with your Financial Partners debit card. For complete details on the terms and conditions, please refer to the APEX Rewards Terms and Conditions. ✒50 APEX Points per month when you complete 15 or more debit card signature transactions totaling a minimum of $1,000.