Build credit historyv with all three major credit bureaus with a minimum deposit of $50


Whether it’s groceries, shopping, or dining, we’ll immediately credit you the cash back you’ve earned.ii
With qualifying direct deposits, overdraw $20 per month on your card without fees. The amount will increase the longer you keep your banking service with Kikoff, up to $200 per month.iii


You shouldn’t have to wait for the money you’ve earned. Set up direct deposit and have your paycheck ready to use up to 2 days early.iv
Use your physical Kikoff secured card to withdraw cash without fees at any of the 55,000 Allpoint ATMsvi worldwide.

Kikoff Inc. is a financial technology company, not a bank. Banking Services provided by Coastal Community Bank, Member FDIC. The Kikoff Mastercard® is issued by Coastal Community Bank pursuant to a license by Mastercard International Incorporated. All other product names, logos, brands, trademarks, and registered trademarks are property of their respective owners.
(i) All company, product, and service names used in this website are for identification purposes only. Use of these names, trademarks, and brands does not imply endorsement.
(ii) The Kikoff Secured Credit Card Merchant Cash Back Program is governed by the Kikoff Merchant Cashback Program Addendum and provided by Coastal Community Bank, Member FDIC.
(iii) Direct deposit required to unlock overdraft protection. Overdraft limit is determined by card usage and other risk factors.
(iv) Early access to direct deposit funds depends on the timing of the payer’s submission of deposits and is not guaranteed.
(v) The Kikoff Secured Credit Card reports to Equifax, Experian and TransUnion on a monthly basis. Minimum deposit of $50 is required to be reported to the credit bureaus.
(vi) Fee-Free ATMs get fee-free transactions at any Allpoint ATM. Otherwise, out-of-network ATM withdrawal fees may apply.
Endless ways to build credit, all in one place
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Kikoff is a credit-building service designed to help you build credit safely and responsibly. Our products are designed to target the 5 major credit score factors.
Kikoff offers multiple products.
On average, customers with credit scores under 600 increase their credit scores by 84 points[a], with consistent on-time payments during the account lifetime. Many Kikoff customers have been able to qualify for better car loans, mortgages, credit cards, personal loans, and more.
Keep in mind, credit building is a long-term habit – like eating healthy or working out – so the most important thing is to make good financial habits: make your payments on-time, keep your utilization low, and practice good financial habits.
[a] Average first-year credit score impact of +84 points (VantageScore 3.0) between Jan-2023 & Jan-2024 for Kikoff Credit Account users who started with a score below 600; who paid on-time; and who had no delinquencies or collections added to their credit profile during the period. Late payments may negatively impact your credit score. Individual results may vary.
