The Germantown Trust & Savings Bank is a business credit card from Germantown Trust & Savings Bank. Application typically pulls a hard report from Experian. The annual fee is No annual fee.. This product does not report routine activity to your personal credit (only on default if a personal guarantee is required). Underwritten by Elan Financial Services (US Bank program). Bureau pull varies by state: TransUnion (~52%), Experian (~25%), Equifax (~24%).