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1st Financial Bank USA & Building Credit WISELY!

Welcome to CollegeData’s financial literacy page dedicated to articles and 1st Financial Bank USA (1FBUSA) videos and resources to help you learn how to manage your money and build credit wisely during and after college.

1FBUSA has provided the CollegeData® service for over 20 years. In the same way we hope that CollegeData will be valuable to you as you prepare for college, we hope 1FBUSA will be helpful to you as you begin to learn financial independence and responsibility.

But first... what is a credit card?

Watch the video in this section to learn credit card basics and hear tips from a real student on how to use a credit card wisely in college!

Click "Apply Now" for rates, fees, and other important terms and conditions about 1FBUSA’s Student Credit Card and to apply.

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Scroll down to access videos that cover the following topics and click here to access videos about credit cards for college students, and ways to build credit responsibly and use credit wisely:

Benefits of banking with 1fbusa

We’re proud to say that many satisfied customers stay with us for years. Our customers enjoy the following benefits:

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Cash Access

Need emergency cash? Use your card at a designated automatic teller machine or present it to a bank displaying a Visa® sign.

Customer Service

Speak with a representative during business hours to get help with your account.

Mobile App

Manage your account 24/7 right from your mobile device and check your Available Credit, Current Balance, recent transactions and more.

Text Banking

Quickly and easily request and receive account information via text message, such as your Available Credit, Current Balance, and more -- without having to log into your account.

No Foreign Currency Conversion Fees

We do not charge a fee to convert foreign purchases and cash advances you make with your credit card to United States dollars.

Payment Flexibility

You can pay your balance in full each month, or pay the minimum payment due, or any amount in between – you choose.

Security and Convenience

Use your card at any of the millions of participating merchants around the world to purchase books, meals, gas, clothing, tickets, and more.

Zero Liability

Your card protects you with Zero Liability for Unauthorized Use – which means that “if you didn’t buy it, you don’t pay for it.”

FREQUENTLY ASKED QuESTIONS

1st financial bank usa reviews

Here’s what new cardholders have said when we asked them how using their 1FBUSA Student Credit Card helped them:

5-stars

"This card has dramatically helped me increase my credit score!"

Nigel

5-stars

"It has helped me a lot since it has taught me how to take care of my money and how I spend it on. In addition, it helps me be wary about the difference between credit and debit cards, of which I have both of, and when it would be best to choose one over the other in some situations."

Alexandra

5-stars

"This card has been great for building my credit. After making my payments on time the first few months my credit was doubled!"

Kennedy

4-stars

"My credit card helped my partner and I buy gas for our card and some basic necessities for our new home."

Rachel

5-stars

"I used it to fill up my gas tank! I love that I am building my credit at a young age."

Brooke
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Choosing the right college is one of the most important life and financial decisions you’ll make.

1FBUSA believes students who choose colleges wisely will also want to learn how to use a credit card wisely.

We want to be your bank of choice to support you along the way.

REady to apply

Are you a College-Bound or College Student seeking a student credit card as you transition to and through college?

Click “Apply Now” for rates, fees and other important terms and conditions about 1FBUSA’s Student Credit Card and to apply.*

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* To open a credit card account in your own name, you must be at least 18 years old (or, if you live in Alabama or Nebraska, you must be at least 19 years old) and either a college student already enrolled in college or a student preparing to attend a 2-year or 4-year college.

Money matters

Start to build a good credit history by making payments on your account in a timely manner and by never exceeding your credit limit. Learn more by watching the video in this section.

Managing your money in college isn’t always easy. Read the articles below about managing your money wisely and saving for your future.

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7-tips-student-loans
8-ways-stretch-college-dough
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Learn more about student money matters on 1st Financial Bank's Blog!

1FBUSA BLOG

Check out the 1st Financial Bank USA (1FBUSA) Student Loan Repayment and  Affordability Calculator, which canhelp you figure out what your loan payments will be based on the terms of your loan, including interest rate, and can also give you an idea of how much your expected future salary will go toward paying off your loan(s).

Student-Loan-Calculator