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.
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:
Need emergency cash? Use your card at a designated automatic teller machine or present it to a bank displaying a Visa® sign.
Speak with a representative during business hours to get help with your account.
Manage your account 24/7 right from your mobile device and check your Available Credit, Current Balance, recent transactions and more.
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.
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.
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 is a provider of credit card and financial services to college students and college graduates nationwide. 1FBUSA is also the provider of CollegeData, a free online college advisory website.
1st Financial Bank specializes in credit cards and has been helping students build credit for over 30 years. With a 1FBUSA credit card, you’ll have access to benefits like credit building, zero liability, mobile app banking, payment flexibility, and more. Many of our customers voice their satisfaction and remain with us for many years.
In order to open a 1st Financial Bank credit card account, students can fill out a 1FBUSA credit card application form. 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.
If your 1FBUSA card is lost or stolen and you need to request a new one, call customer service at 1-800-733-1732. A representative will walk you through a series of questions and complete a lost/stolen report. You will then be issued a replacement card.
Your 1st Financial Bank account number can be found on the front of your credit card. If you are having trouble locating your credit card, please contact customer service at 1-800-733-1732.
1FBUSA periodically reviews its customers’ accounts and may increase your credit limit from time to time. You can also call customer service at 1-800-733-1732 to learn how you can qualify for a credit limit increase.
"This card has dramatically helped me increase my credit score!"
"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."
"This card has been great for building my credit. After making my payments on time the first few months my credit was doubled!"
"My credit card helped my partner and I buy gas for our card and some basic necessities for our new home."
"I used it to fill up my gas tank! I love that I am building my credit at a young age."
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.*
* 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.
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.
Learn more about student money matters on 1st Financial Bank's Blog!
Check out the 1st Financial Bank USA (1FBUSA) Student Loan Repayment and Affordability Calculator, which can help 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).