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Credit Building Tools


Extra is the first debit card that builds your credit history and earns reward points just like a credit card all with your existing bank account.

The Extra Difference

  • Build your credit (without debt)

  • Keep your bank account

  • No interest or surprises


Get instantly approved after verifying your identity. No bank account, credit card or credit score needed. Kikoff will deposit your cash ($12) instantly. Log in to Payback $1 each month to demonstrate your credit. With just one click each month, you’ll be building credit. Highly recommended.



​Invest in yourself by opening up your secured credit card. Put down the deposit today and start building your better credit score future.


This one is way different from the others, but still a great choice especially for account diversification. This is a CD (certificate of deposit) that reports to ALL THREE CREDIT BUREAUS, and you get the money back after it matures in one year!


Build credit while you save money. Low monthly payments build your credit and grow your savings at the same time, unlocking new opportunities. Payment history makes up 35% of your credit score! Credit Strong can help you build new, positive payment history and save money every month.


Build your credit by reporting your rent.

Rent Reporters will help you build and improve your credit so you can jumpstart your financial future.


Description: Easy Approval, Establish Credit As You Shop, $5,000.00 unsecured revolving line of credit, A Low 19.9% APR -Flexible Payments. Average of 10 to 50 point increase in credit scores the 1st month of reporting.

Premium Banking with $0 monthly fees


Optional Overdraft Protection

Feel safe knowing you won't be caught off guard - We've got you covered.


Get your paycheck early with QuickPay

With QuickPay Direct Deposit you can get your paycheck up to 2 days earlier.


We hate fees as much as you do

$0 monthly service fee, Fee-Free MoneyPass® ATMS, No minimum balance

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