About Credit Strong

Credit Strong is a division of Austin Capital Bank, a 5-star rated independent community bank and member of the FDIC. We have grown to be one of the preeminent community banks in Central Texas and a national leader in responsible financial services innovation.



Over 50,000 account holders

Safe & Secure


Member of FDIC, so you know your savings & financial information are safe.



Member of "Inc.5000" for 3 years running

Why choose Credit Strong?


Credit Strong is a direct division of a 5-star rated FDIC insured bank, so you know your personal and credit information is secure and your money is safe. Click here to learn more about the bank behind Credit Strong.

Connected & Secure

We don’t have ‘Bank Level’ security. We have BANK security.


As a bank, we work directly with all three major bureaus. Monitor your FICO score 24/7 and track your progress.


Choose from flexible pricing that fits range of budgets and timelines.

FICO Score

90% of top lenders use FICO Scores when making lending decisions. No surprises or point gaps.


We’re here to help you succeed. As an independent community bank, we aim to bring trust and transparency to the finance world one strong step at a time.

Austin Capital Bank

Austin Capital Bank is a Federal Deposit Insurance Corporation (FDIC) insured Texas State Savings bank with headquarters in Austin, Texas.

Founded in January of 2006, we have grown to be one of the preeminent community banks and a national leader in responsible financial services innovation.

Austin Capital Bank serves its customers and partners from a position of strength. We steward our bank with integrity and meticulous attention to detail, for our customers, partners, and stakeholders. We are consistently one of the best performing financial institutions in Texas and the country and regularly rated at the top of our industry. Here are just a few examples:

*All ratings as of December 31, 2017

In addition to operating from a position of financial strength, Austin Capital Bank is a high performance and rapidly growing financial institution and has been as recognized in the Inc. 5000 list of most rapidly growing privately held companies in the United States.

FDIC Insurance

As an FDIC insured financial institution our financial condition and performance is freely available to the public from the Federal Deposit Insurance Corporation at the following website:

FDIC Financial Institution Directory

Austin Capital Bank is an all-inclusive and non-discriminatory institution, which provides its services in an equitable and fair manner to all the members of the communities it serves.

Trident Technology

All Credit Strong products are built on Austin Capital Bank’s Trident technology platform.

The Trident platform is designed to grow and protect consumer wealth at: the 1) individual 2) community and 3) national level. Trident technology allows the bank to securely offer financial services via the internet with Bank security for all your personal, credit, and financial information. As part of a bank, all accounts and funds managed on the Trident platform are fully insured by the Federal Deposit Insurance Corporation (FDIC) up to the highest allowable FDIC insurance limits.

The Trident Technology Platform encrypts sensitive personal and financial information at multiple levels in its databases and application as well as using a HTTPS/SSL 256 bit encryption layer with your web browser to protect your information while in transit between your web browser and the Trident Technology Platform.

Accountholders must be at least 18 years old and a citizen of the United States or permanent resident with a valid social security number. Applicants for accounts are subject to verification of identity. A valid bank account or debit card account are required for payment. All loans are subject to consumer report review and approval.

Credit Strong is NOT a credit repair service and does not remove negative credit history from your credit profile. Disclaimer: Credit profile improvement is not guaranteed. Changes in your credit score reflect individually specific financial behavior and history. Failure to make minimum required loan payments on-time may result in your loan payment(s) being reported as delinquent to credit bureaus which may negatively impact your credit profile.

Testimonial Disclaimer: Individual results may vary. Unique experiences and past performance for individuals do not guarantee future results for other individuals. Testimonials may not be representative of all individuals and certain individuals may have inferior results than indicated in testimonials.

Credit Strong® is a registered trademark of Austin Capital Bank SSB. FICO® is a registered Trademark of Fair Isaac Corporation. Austin Capital Bank SSB. Member FDIC. Equal Housing Lender. © 2019 Austin Capital Bank SSB. All Rights Reserved.