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Credit Building & Repair

Credit Building & Repair

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MONEY SMART CHECKING

Set the course for financial success with a checking account that can give you a hand. With no minimum deposit to open and an automatic transfer to savings, Money Smart Checking will have you improving your financial picture in no time.

ACCOUNT DETAILS1

  • No minimum deposit to open
  • FREE debit or ATM card with up to six FREE out-of-network ATM reimbursements each statement cycle2
  • Mobile debit alerts3
  • Dollar-A-Day Savings Service–automatically transfer $1 (or more) each day from your checking account to your savings account
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MONEY SMART SAVINGS

Get your savings on track with an interest-bearing savings account that will make planning for the future easy. Money Smart Savings is the perfect account to pair with your Money Smart Checking account.

ACCOUNT DETAILS4

  • No minimum deposit to open
  • Interest-bearing savings account
  • FREE debit or ATM (with linked checking account) card with up to 18 FREE out-of-network ATM reimbursements per calendar quarter5
  • Second chance account

Not all lending tools are created equal. We've designed solutions that can give you a better way to borrow.

EVERYDAY LOAN

The Everyday Loan is a fixed rate loan with a quick approval decision. Loans are available in amounts up to $2,500. Plus, our rates are lower than most credit cards or other fast-cash loans. So, when unexpected costs come out of nowhere, there’s no need to panic.

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MONEY SMART CD LOAN

You can take out a loan for as little as $500, or more based on your ability to pay, then use the borrowed funds to open a certificate of deposit (CD) for the same amount. Just make fixed monthly payments on the loan, and when the loan is paid off, the CD with earned interest is yours!

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SECURED MASTERCARD

Build your credit the smart way with a Secured Credit Card. This card allows you to request your credit limit by providing a deposit that is then paid back to you when you maintain a good payment history.

CARD DETAILS7

  • Request your own credit limit by providing a single deposit between $300 and $5,000 (multiple of $50) when you apply, subject to credit approval
  • You may qualify for an unsecured card and have your deposit automatically refunded to you in as little as 11 months, subject to credit approval
  • Secured Cards can be used anywhere major credit cards are accepted
  • Visit your local branch today to learn more about rates and fees
  • Low $19 annual fee8

Please see the Summary of Credit Terms provided at time of application for important information on rates, fees, costs, conditions and limitations. For the Secured credit card, a balance transfer fee7 of 5% applies to each balance transfer that you make (minimum $10). 

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CREDIT CARDS

Give yourself some credit

CUBS OR WHITE SOX CHECKING

Show your pride, rep your side

SAVINGS

Save for life's big moments…

1. Available to Money Smart Financial Training participants (1 session required). If the customer is on ChexSystems and does not complete 1 session/module the customer may open a Money Smart Savings® account. 2. The bank does not charge its customers a monthly card usage fee. No transaction charge at any ATM in the Allpoint, MoneyPass, or Sum surcharge-free networks. Other banks outside the network may impose ATM surcharges at their machines. Up to six (6) surcharge fees assessed by owners of other ATMs outside the network will be reimbursed each statement cycle. Reimbursement does not include the 1.10% International Service fee charged for certain foreign transactions conducted outside the continental United States. 3. Third party message, data, and/or internet fees may apply. Use of Online Banking is required for access to Mobile banking. Mobile/Internet connectivity is required. 4. Transaction limitations may apply. 5. The bank does not charge its customers a monthly card usage fee. No transaction charge at any ATM in the Allpoint, MoneyPass, or Sum surcharge-free networks. Other banks outside the network may impose ATM surcharges at their machines. Up to eighteen (18) surcharge fees assessed by owners of other ATMs outside the network will be reimbursed each calendar quarter. Reimbursement does not include the 1.10% International Service fee charged for certain foreign transactions conducted outside the continental United States. 6. The Annual Percentage Rate (APR) is a fixed rate that’s based on the Prime Rate reported in the Money Rates section of the Wall Street Journal (the “WSJ Prime”) plus a margin, at the time the loan is made. For example, on 4/9/18 WSJ Prime was 4.75% resulting in the APR disclosed. See the bank for details. Applicant must meet underwriting guidelines. 7. Cards are issued by First Bankcard®, a division of First National Bank of Omaha, pursuant to a license from MasterCard International Incorporated. MasterCard and the MasterCard Brand Mark are registered trademarks of MasterCard International Incorporated. 8. Additional information about rates and fees: All APRs will vary with the market based on the Prime Rate. The APR for purchases and balance transfers will be a variable 20.99%. The APR for cash advances will be a variable 26.49%. The Minimum Interest Charge is $1.75. The Transaction Fee for Cash Advances or for certain “Cash Equivalent Transactions” is the greater of $15 or 5% of the transaction. The Foreign Transaction Fee is 3% of each transaction in U.S. dollars. Rates are accurate as of April 2018.