Better than a Bank Account
100% approval guaranteed Checking Account
$0 upfront fees with direct deposit * No overdraft fees

Our Prepaid MasterCard cards work like a checking account. Keep your money safe in one of our prepaid card accounts instead of carrying it around in cash. All our prepaid accounts are FDIC insured, like a checking account, to ensure the safety of your money.

Our prepaid accounts all come with a prepaid card containing the debit logo. Our prepaid cards are like bank issued debit cards but better. Not only can you make purchases and withdraw cash with our prepaid card, but you never have to worry about overdrafts because you can only spend what is in your account.

Get credit for your bill pay transactions.

* Build your payment history when you use AccountNow Bill Pay.
* Demonstrate your credit worthiness when applying for housing, credit, insurance, employment, and phone.
* It's simple - use AccountNow Bill Pay to pay all your bills such as rent, utilities, cable, insurance, and more.
* It's FREE when you activate AccountNow Bill Pay!

This is how it works:

1. Activate AccountNow Bill Pay and add the FREE AccountNow Credit Builder service.
2. Every time you make a bill payment with AccountNow Bill Pay, we will send your bill payment information to PRBC®, a national credit reporting agency.
3. Build a bill payment history to demonstrate your credit worthiness when applying for housing, credit, insurance, employment, phone, and utility hook-up by doing what you already do today - - paying your rent, electric, cable, insurance, and phone bills on time.
4. Only Bill Pay transactions will be shared with PRBC. Regular debit transactions using your AccountNow Prepaid MasterCard will not be reported to PRBC.
5.  Home loan associations like Freddie Mac, Fannie Mae and Citicorp Mortgage use bill payment information as part of their decision-making process for home loans.

Borrow Money† with iAdvance and Build Credit History

* Your payments are reported to the credit bureaus, so you can build your credit history.
* You may borrow again - in weeks!
* Repayment is conveniently deducted from your next direct deposit.

UltraScore

UltraScore™ was developed to help you maximize your credit score in two important ways - by showing you how to read and interpret your credit report and by showing you how your credit score is calculated. By providing a detailed and comprehensive analysis of your credit report, UltraScore™ will enable you to:

• Understand the components of a credit score and how it’s calculated.
• Understand how to read and interpret your credit file, and understand the differences between mortgage, installment and credit accounts.
• Understand how certain bill paying habits may be adversely affecting your credit score.
• Receive a customized action plan to improve your credit and identify credit accounts that need immediate attention and why.
• Understand the impact of the amount of credit you are currently using.

Our Credit Education and Resource Center offer a wide variety of educational services, credit tips and additional resources and services to help you take the steps necessary to enhance your credit score and manage your financial life. Here is just of sample of the information available to you with UltraScore™:

• Understand how to protect yourself from identity theft
• Protect your financial information online
• Useful information to help you effectively manage your finances
• Understand the negative impact of low credit scores
• See how your credit score affects your interest rates on credit cards and mortgages
• Prepare and maintain a monthly budget
• Project new home or refinance interest rates
• And much, much more
  

UltraScore™ offers several years of combined experience developing personalized solutions for clients adversely affected by low credit scores. UltraScore™ has set the industry standard as a cutting edge company offering outstanding customer service at a superb price, with unparalleled performance and customer dedication.

Although UltraScore™ has been designed to enhance and maximize your credit score; it is not a substitute for credit restoration. UltraScore™ will not remove inaccurate, obsolete, or erroneous information from your credit report. If you are interested in further maximizing your credit profile, and would like more information on our credit restoration service, click the “Credit Restoration” tab above on this Web site.