Credit Building Tools

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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

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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.

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

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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!

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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.

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Build your credit by reporting your rent.

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

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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

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Optional Overdraft Protection

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

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Get your paycheck early with QuickPay

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

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We hate fees as much as you do

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

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