¹Out of network ATM withdrawal and over the counter advance fees may apply. The secured Credit Builder card issued by Stride Bank, N.A. Banking services and debit card provided by The Bancorp Bank N.A. The money you move into Credit Builder’s secured account is the amount you can spend on the card and that money can be used to pay off your monthly balances.Ĭhime is a financial technology company, not a bank. Perks and benefits: Build your credit without paying interest or an annual fee, or undergoing a credit check.