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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 transfers $1 (or more) each day from your checking account to your savings account
Saving money in a jar

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 card (with linked checking account) 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.

Everyday Loan rate examples

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

Find the perfect card for the way you use credit. Our credit cards offer benefits and features to meet a variety of financial needs. Take a look at what each card has to offer and decide which one is right for you. 

Click here for more information and to apply online.

Online account access provides the quickest and easiest way to:

  • Activate your credit card
  • Make payments
  • Transfer balances
  • Request credit limit increases
  • View statements…and much more

Simply access your account by clicking here.

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To learn more about rates and fees contact your personal banker.

CREDIT CARDS

Give yourself some credit

TOTAL ACCESS CHECKING

Be free of ATM fees

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, ATM Access, 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, ATM Access, 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 6/25/18 WSJ Prime was 5.00% resulting in the APR disclosed. See the bank for details. Applicant must meet underwriting guidelines.

Credit Cards are issued by First Bankcard®, a division of First National Bank of Omaha.