Banking | Credit Card Topics

Climate First Bank: A Financial Institution Dedicated to Environmental Sustainability and Social Change

By: Jon McDonald, 4/28/2022

In a Nutshell: Climate First Bank is the first financial institution in Florida dedicated to sustainability. Its values-based approach to banking incentivizes loan customers to embrace solar panel installations and construction retrofits designed around green-building standards. The institution’s Regeneration Checking product also allows account holders to support a carbon drawdown initiative. Climate First Bank's dedication to responsible environmental, social, and governance... read more »

Truist and Operation HOPE Partner to Encourage Financial Responsibility

By: Jon McDonald, 4/11/2022

In a Nutshell: Operation HOPE has equipped more than 4 million Americans with tools and education to achieve ﬁnancial independence since 1992. Today, the organization partners with Truist, a purpose-driven financial organization, to reach more people. Through HOPE Inside, Truist offers financial counseling for everyday budgeting needs, homeownership, and small business success at more than 600 Truist branches. And Truist has pledged to help close the racial wealth gap by dramatically... read more »

Fair’s Ethical, Pro-Consumer Banking Solutions Cater to the Growing Immigrant Population

By: Brandon Rossman, 3/16/2022

In a Nutshell: Fair is a banking solution that aims to be transparent and easy to use in a new age of banking. There are no account fees, wire transfer fees, or ATM fees. Fair is a membership-based neobank, so it has no physical branches, and paperwork and services are processed online. Fair offers a spending account with a debit card and a Wealth Building Account that pays dividends of up to 4% of the account balance annually. Fair founder Khalid Parekh is no stranger to success.... read more »

First Citizens National Bank and Banzai! Partner to Foster a Strong Foundation in Financial Education Among Children

By: Brandon Rossman, 2/15/2022

In a Nutshell: Without its community, First Citizens National Bank would not be around today and still thriving 133 years after first opening its doors. First Citizens National Bank offers traditional banking services and provides students with free classes that make it fun to learn about managing their financial decisions. Resources are also available for every member of the community to learn about their credit history, how to avoid fraud, as well as several other tips for achieving... read more »

Atmos Mission-Driven Savings Accounts and Debit Cards Can Help Reduce Carbon Emissions

By: Adam West, 1/27/2022

In a Nutshell: Banks have a responsibility to satisfy customers, and they often play a significant role in determining best practices. Atmos is a financial institution that sets an example for how institutions and account holders can work together to bring about change. The Atmos debit card offers cash back rewards whenever customers spend at eco-focused businesses. It also has a high-yield savings account that allows fast, free donations to approved nonprofit organizations that work... read more »

First State Bank of St. Charles: Helping Customers Meet Credit and Life Goals Since 1867

By: Jon McDonald, 9/22/2021

In a Nutshell: First State Bank of St. Charles is a locally owned and independent institution founded in 1867 to serve the people of St. Charles, Missouri, and its surrounding areas. Today, the bank anticipates — and meets — evolving consumer needs through a diverse lineup of personal credit products, support for area nonprofits, and its long-standing commitment to small businesses. First State Bank is on a mission to spearhead growth and progress in its service areas through... read more »

Optus Bank: A Minority-Owned Financial Institution Driving Wealth and Credit Access in Underserved Communities

By: Jon McDonald, 9/15/2021

In a Nutshell: Although the history of the post-Civil War American South is in many ways a history of African American exclusion, Optus Bank stands as a marker for correcting the mistakes of the past. Founded as Victory Savings Bank by black leaders in 1920s South Carolina, today's Optus Bank is a $300 million institution with a laser focus on supporting entrepreneurship and broadening consumer credit access in underserved communities of all kinds. One of only 16 black-owned banks in... read more »

First National Bank and Trust Offers Industry-Leading Financial Products to Help Consumers Build Credit

By: Adam West, 8/11/2021

In a Nutshell: First National Bank and Trust has a nearly 140-year history of helping people and communities in Wisconsin and Illinois. The family-focused institution manages more than $1.4 billion in assets, and combines the values of a community-based bank with a full range of personal and business products and services. First National Bank also offers a free financial wellness center that encourages everyone to reach their personal goals. In towns across southern Wisconsin and... read more »

UMB Bank Offers Versatile Card Products that Encourage Financial Success for Consumers and Communities

By: Adam West, 6/17/2021

In a Nutshell: Since 1913, UMB Bank has grown from a small community-based institution into a regional powerhouse with $33 billion in assets and operates 91 branches. The bank’s innovative card products fit a variety of rewards preferences and use cases. And its extensive collection of financial education resources help consumers build and secure their financial future. Today, UMB Bank continues to exceed customer expectations with digital banking tools keeping the commitment to... read more »

Aspiration: A Financial Institution Fighting Climate Change via Bank Accounts and Cards

By: Matt Walker, 6/7/2021

In a Nutshell: Customers open checking or savings accounts, apply for credit cards, and take out loans with their financial institutions of choice every day. But they may not stop to consider how the institutions are using their funds. In fact, some big banks help support the fossil fuel industry and other industries that work against climate change. Aspiration offers banking services and credit and debit cards that are guaranteed to fight climate change. Customers can actually offset... read more »

OneUnited Bank Takes on the Racial Wealth Gap by Providing Access to Education and Credit Products

By: Matt Walker, 4/21/2021

In a Nutshell: Racial inequality is evident in the U.S. not only in the power structures in place, but in the racial wealth gap. OneUnited Bank takes on these inequities by offering affordable financial products and services aimed at members of the Black community. From its BankBlack Checking Account to the Solidarity Card, OneUnited Bank is leveraging technology and expertise to empower the Black community through the world of finance. Financial literacy is also a key element to the... read more »

Tompkins Bank of Castile: Financial Wellness via Banking, Credit, and Educational Services

By: Matt Walker, 4/12/2021

In a Nutshell: Tompkins Bank of Castile has been serving customers in Western New York since 1869, and throughout its history it has always remained engaged in its local community. This proved particularly important during the COVID-19 pandemic. The bank was able to pivot to its existing digital channels and promote them to customers so they could still gain access to the high-quality services they were used to. The institution offers a full range of modern banking products and... read more »

OnJuno’s Digital Banking, Interest-Bearing Checking, and Debit Cards Help People Save

By: Matt Walker, 3/4/2021

In a Nutshell: Advances in technology have made it possible for companies to provide consumers with banking products and services that weren’t available just 10 years ago. OnJuno is one of these companies. The digital banking platform offers a checking account with interest rates that far exceed the average for other checking accounts, and even many savings accounts. OnJuno customers gain convenience as well as access to a significant cash back program with the OnJuno debit card. The... read more »

Provident Bank Offers a Suite of Credit Cards and Financial Services to Meet a Wide Range of Needs

By: Matt Walker, 1/29/2021

In a Nutshell: When it comes to your personal finances, not just any bank will do. Consumers deserve a dependable, secure, and supportive institution to handle their money and address their financial needs. And that’s just what Provident Bank does for residents of New Jersey, Eastern Pennsylvania, and Queens County, NY. The bank offers a wide range of financial products and services, including credit cards to meet the needs of nearly any business or consumer. Through its partnership... read more »

Byline Bank Helps Customers Establish and Build Credit via Cards and Financial Literacy

By: Matt Walker, 1/20/2021

In a Nutshell: Byline Bank supports customers in the Chicago and Milwaukee metro areas with a range of quality financial products and services, including a credit card suite that includes a secured card to help people establish or rebuild their credit. The bank also engages with the community on a wide variety of financial literacy efforts, taking important lessons into schools, nonprofits, and retirement homes. Byline Bank is also a top SBA lender and is passionate about supporting... read more »

WSFS Bank: One of the Nation’s Oldest Banks Offers Credit Cards & Others Products for a Modern World

By: Matt Walker, 1/6/2021

In a Nutshell: As one of the oldest banks in the U.S., WSFS Bank doesn’t rest on its laurels but instead embraces innovation and technology. The bank, which operates in Delaware, New Jersey, and Pennsylvania, provides a modern suite of financial products and services, including credit cards for a variety of consumers and businesses. And as its motto -- We Stand For Service -- states, WSFS Bank serves customers and communities in many ways. Customer service is a constant priority, but... read more »

TD Bank’s Credit Cards and Other Resources Aimed at Giving Customers Financial Stability

By: Matt Walker, 12/15/2020

In a Nutshell: It’s safe to say that 2020 has brought a lot of surprises to folks around the world, and the U.S. is no exception. Besides the obvious health challenges, the COVID-19 pandemic also delivered unprecedented economic challenges. Luckily, institutions like TD Bank have remained resilient for their customers. The bank, which has always branded itself as a customer-oriented and convenient institution, provides a credit card suite -- that ranges from secured credit cards with... read more »

Sterling State Bank Delivers Credit Solutions with a Personal Touch to Communities and Small Businesses

By: Adam West, 11/16/2020

In a Nutshell: Sterling State Bank has taken a personalized approach to delivering financial services in southern Minnesota for more than 60 years. Since the day they opened their doors in 1958, they have been locally owned and operated and now manages seven branches with more than $350 million in assets. The institution offers individual and business credit solutions that provide financial options to everyone in the communities it serves. And with more corporate banks treating... read more »

Rewire Offers Seamless Money Transfers and a Debit Card for Easy Access to Global Banking Services

By: Adam West, 11/12/2020

In a Nutshell: Rewire is a neobank for migrants that offers a seamless way to make cross-border money transfers in Europe, among many other services. Customers receive a free international bank account number (IBAN) and a free Mastercard debit card that works like a conventional domestic bank account. Migrant workers often occupy two financial worlds — they pay bills where they're living, but they also often help support people back in their home country. Rewire brings financial... read more »

Countybank Donates Where it Counts and Helps Its Communities Navigate COVID-19

By: Adam West, 10/8/2020

In a Nutshell: By virtue of its history as a locally owned institution founded during the Great Depression, Greenwood, South Carolina-based Countybank fields many requests from area organizations in need of support. The bank's plan to prioritize giving takes all its financial centers into account, draws on its associates' personal experiences and passions, and always seeks to combine corporate and associate involvement. The result is a strategy for "giving with impact" that maximizes... read more »

A Recent Study Highlights How Predictive Analytics Help Avoid Overdraft Issues While Curbing Attrition for Banks

By: Matt Walker, 9/30/2020

In a Nutshell: In 2017, Americans paid around $34 billion in overdraft fees. The hefty fees often hit consumers unexpectedly and can lead to dissatisfaction or even attrition. “Analyzing Bank Overdraft Fees with Big Data,” explores consumer behavior that causes the fees, just how the fees impact customers and banks, and how banks can better address the issue for the benefit of all. The paper was written by New York University Professor Xiao Liu, and Alan Montgomery and Kannan... read more »

Australia’s Judo Bank Steps Up to Support Businesses During the COVID-19 Pandemic

By: Matt Walker, 8/6/2020

In a Nutshell: As Australia’s first SME-focused challenger bank, Judo Bank offers quality business banking services geared toward Australian-owned businesses. And in the face of the COVID-19 pandemic, the bank is doubling down on its mission to support those businesses by offering flexibility and personalized services to help them weather the storm. The institution’s focus on relationship banking sets it apart from larger institutions with an approach that forges a strong... read more »

Tata Consultancy Services Prepares Banks to Navigate Four Stages of Recovery Following the COVID-19 Pandemic

By: Adam West, 7/20/2020

In a Nutshell: Tata Consultancy Services (TCS) is a consultancy firm that works with most top financial service providers providing them a full breadth of services. To help them plan for a post-COVID workplace, the firm recently released a study on the implications of the global pandemic on the financial services industry that outlined plans to handle four distinct stages of recovery: the Crisis stage, Transition stage, Post-COVID, and Future Proofing. The Coronavirus pandemic has... read more »

Capitol Bank Provides Essential Community Support and Helps Businesses and Consumers in Southern Wisconsin Meet New Challenges

By: Adam West, 7/7/2020

In a Nutshell: Capitol Bank has served Wisconsin's capital city of Madison and its surrounding area for 25 years. The institution was built on relationship-based banking and a longstanding commitment to financial and volunteer support for local causes. Today, Capitol Bank is stepping up with creative new ways to ensure financial security during challenging times as life and work patterns adjust to the new normal. And the bank goes above and beyond to help essential workers and area... read more »

The Swiss Banking Industry’s First Cryptocurrency: Dukascoin Gamifies Tokenomics to Entice New Clients

By: Jon McDonald, 6/23/2020

In a Nutshell: Dukascoin (DUK) is the cryptocurrency brainchild of Swiss bank and brokerage firm Dukascopy, and the first cryptocurrency issued by a strictly regulated bank. Everyone who opens a Dukascopy Multi-Currency Account (MCA) and those who refer new clients will receive five Dukascoins. The bank will receive 10 Dukascoins per signup to guarantee the liquidity of the token. Clients can immediately sell their tokens in the internal marketplace or purchase more to join a... read more »

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