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    Overdraft fees

    An overdraft fee is a penalty for using more money than you have.

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    Interest rate

    An interest rate for credit is the extra money you have to pay on top of what you borrowed. If you don’t pay your bill in full, credit card companies will charge you more than what you owe. The percentage can be different for each company.

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    FDIC

    This is a group that helps keep your money safe if something goes wrong.

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    Secured credit card

    A secured credit card is a type of credit card that lets you borrow money, but you have to deposit your own money first. If you pay your bill on time, you can get the deposit back.

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    ATM

    An ATM is a machine where you can get cash or check your bank account balance without having to go to the bank.

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    Two-factor authentication

    This is a way to keep your accounts safe. When you log in with your password, it sends a code to your phone or email to make sure it’s really you.

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    Card Suite Life

    First Security Bank’s Card Suite Lite app lets you set spending limits, track card activity in real time, freeze or unfreeze your card instantly, and review alerts so you can spot suspicious activity early.

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    Credit Report

    A credit report is a record that shows banks and lenders how responsible you are with borrowing and paying back money.

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    Credit Score

    A credit score is a three-digit number that tells lenders how good you are with borrowed money. It helps them determine whether or not they can trust you to pay back what you owe.