If you were initially denied for a credit builder account, you can re-apply after 24 hours. However, we recommend that you read the adverse action notice and address the reason for your denial before re-applying.

Please note that your denial was not due to your traditional credit history or credit score. Our bank partner uses ChexSystems, a database of past retail banking history, to determine eligibility for credit builder account. ChexSystems is a nationwide specialty consumer reporting agency under the Federal Fair Credit Reporting Act (FCRA) that collections information on consumers' closed checking and savings accounts. If you would like to learn more about your ChexSystems report, you can reach out to them directly.

If while viewing your report, you discover errors, you have the right to dispute any inaccurate information contained in your ChexSystems report. Once these items are cleared from the ChexSystems report, you are welcome to re-apply for a credit builder account.