Digital solutions developed and designed to meet your needs, not the banks'.
Focus Prepaid Visa Debit Card
In partnership with US Bank, we're able to offer the Focus Prepaid Visa Debit Card.
EASY TO GET
No credit or Chex Systems review required
NO MINUMUM BALANCE REQUIRED
NO MONTHLY FEES
Less expensive than most checking accounts
NO PENALTY FEES
For overdrafts or bounced checks
Convenience. Simplicity. Value.
CFR Card Fee Schedule
GET PAID FASTER
Use direct deposit for pay, financial aid, benefits, or even tax refunds.
Get notified when money hits your account.
No more lost checks in the mail.
No more waiting in line (or loosing money) to cash a check.
use wherever visa is accepted
Make purchases at stores, online, by mail-order, or over the phone.
get cash when you need it
80,000+ FREE US Bank, Allpoint, or MoneyPass ATM's, "cash-back" with purchases, and teller withdrawals.
linked savings account
Build savings with built-in automatic transfers.
pay bills online & on time
keep track of your money
Alerts by text or email. Automated phone inquiry or online website. Use the app!
Credit-Builder Credit Card
Building or reestablishing credit can be challenging. We’re here to help. Through our partnership with Self Help Credit Union, we offer a secured credit credit card that helps lower the risk.
NO FICO SCORE REQUIREMENT
NO ANNUAL FEE
$250 TO OPEN
ITIN OR SSN ACCEPTED
How it works
Apply for the Secured Card
From $250-$2,000, you choose the amount you want to use to secure your credit line.
Receive & Activate
Once you receive your card, activate to start using wherever MasterCard credit cards are accepted.
Track & pay on time
Monitor your spending (try to stay below 30% utilization) and pay the bill on-time and in full.
Through our partnership with Self Help Credit Union we offer the Fresh Start Loan. Think of it as a loan on layaway -- you pick a loan amount and set-up an payment plan. The payments go to a savings account and are reported to the credit agencies. Once you've paid the final payment, your loan is unlocked.
How it works
Apply for a fresh start loan
Apply to borrow
$500-$2,000; terms 6-24 months. Your money is safe and secure.
Pay off your loan in the specified amount of time
Choose the amount and terms that work best for your budget.
Each monthly payment builds credit history and adds to your savings
Your monthly payments are reported to the credit reporting agencies.
Unlock your savings
Once you've paid off your loan, you receive the full amount of the loan, plus interest.