Academy Bank 1201 Walnut St Kansas City MO 64106
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Bank Routing Number
107001481
Bank by Mail/General Mail
PO Box 26458
Kansas City, MO 64196
Deposit Only Mailbox
PO Box 26744
Kansas City, MO 64196
Phone Number
1-877-712-2265
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- Home
- Learn/Help Center
- Credit Builder Secured Visa® Credit Card FAQ
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Can the Credit Builder card be in the name of a business, or is it exclusively a personal product?
No, you cannot put the Credit Builder Secured Visa® Credit Card in the name of a business. It is exclusively a personal product designed to help individuals rebuild or establish their credit score.
Can I have a joint card with Credit Builder?
Yes, two cards can be issued if the Credit Builder savings account you establish is a joint account. For this to happen, both parties must be on the credit application.
How soon can I expect to be approved for this card?
4-5 business days is the average turnaround time.
How soon will I receive my card?
After your application is approved, you will receive your card in approximately two weeks.
Will I receive a paper credit card statement?
For the credit card, you will receive a free paper transaction statement each month that details your card activity and the payment amount due. For the savings account that’s linked to the card, you are required to enroll in e.Statements. If you choose not to enroll, you will be charged $4.50 each quarter to receive a paper statement for the savings account.
Learn more about e.Statements.
Can I add money to the Credit Builder savings account? If so, how often?
Yes, you can add money to your Credit Builder savings account. You can do so as often as you like in increments of at least $50, up to a maximum of $3,000 in the account.
How soon will my credit line increase after I make a deposit into my savings account?
Following the day of the deposit, it will take approximately 1 to 2 business days for your credit limit to increase.
How much interest does the Credit Builder savings account earn?
Currently, the interest rate is 0.05%. It follows the rate paid on other savings accounts.
Can my Credit Builder card be secured by a savings account I already have?
No, the Credit Builder program has a specific savings product that needs to be used as the collateral account.
Can money be withdrawn from the Credit Builder savings account?
No, you may not withdraw money from the savings account while your credit card is secured unless you close both the Credit Builder savings account and the Credit Builder credit card. This is because the savings account acts as collateral for your secured card.
Can I make the Credit Builder saving account a Saving Cents account?
No. If you’re interested in the Saving Cents program, we recommend you open a second savings account and link that account with Saving Cents.
Can a parent be on a card with a minor (an individual under age 18)?
No, the minimum age for a credit card is governed and determined by state laws.
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Still Have Questions?
Academy Bank accepts Telecommunications Relay Services calls during regular operating hours, including TTY Relay Service (711 calls) and Video Relay Service. Please find more detail under the related FAQ above.
Bank Routing Number
107001481
Bank by Mail
General Mail PO Box
PO Box 26458
Kansas City, MO 64196
Deposit Only Mailbox
PO Box 26744
Kansas City, MO 64196
