Bridging the gap between your customers and your goals
Convenience. Simplicity. Value.
Focus Prepaid Visa Debit Card
In partnership with U.S. Bank, we're able to offer the Focus Prepaid Visa Debit Card.
No credit or Chex Systems review required
Less expensive than most checking accounts
For overdrafts or bounced checks
Get Paid Faster
Use direct deposit for pay, financial aid, benefits, or even tax refunds.
Use wherever Visa is accepted
Make purchases at stores, online, by mail-order, or over the phone.
Get cash when you need it
80,000+ FREE US Bank, Allpoint, or MoneyPass ATM's, "cash-back" with purchases, and teller withdrawals.
Linked savings account
Build savings with built-in automatic transfers.
Pay bills online & on time
Keep track of your money
Alerts by text or email. Automated phone inquiry or online website. Use the app!
The Focus Card is a prepaid debit card issued by U.S. Bank, National Association, Member FDIC. Community Financial Resources (CFR) is not a bank, money transmitter, or money services business. CFR does not hold customer funds or issue cards. All banking services, including issuance, custody of funds, and transaction processing are provided by U.S. Bank.
How It Works
- All funds are loaded onto the Focus Card are held by U.S. Bank in pooled accounts for the benefit of cardholders.
- U.S. Bank manages all deposits, payments, and transactions under its federal regulatory framework.
Cardholder Protections
- Cardholders money is held by U.S. Bank and is FDIC insured up to the applicable limits.
- Cardholders are protected by federal law (Regulation E) for unauthorized transactions and billing errors.
- If your card is lost, stolen, or used without permission, cardholders must contact U.S. Bank Customer Service.
- For details, see the Prepaid Account Agreement and Disclosures.
Compliance and Security
All financial services connected to the Focus Card are provided by U.S. Bank, a federally regulated financial institution. This includes compliance with:
- Bank Secrecy Act (BSA)
- Anti-Money Laundering (AML)
- Know Your Customer (KYC)
- CFPB Prepaid Account Rules
- FDIC insurance protections
CFR supports these efforts by coordinating with U.S. Bank and ensuring that organizations and participants have the training and tools they need, but regulatory responsibility rests solely with U.S. Bank.
Credit-Builder Credit Card
Building or reestablishing credit can be challenging. We’re here to help. Through our partnership with Self Help Credit Union, we offer a secured credit credit card that helps lower the risk.
Self-Help Federal Credit Union Secured Credit Card
How It Works
Apply for the Secured Card
From $250-$2,000, you choose the amount you want to use to secure your credit line.
Receive & Activate
Once you receive your card, activate to start using wherever MasterCard credit cards are accepted.
Track & Pay on Time
Monitor your spending (try to stay below 30% utilization) and pay the bill on-time and in full.
Credit-Builder CD
Through our partnership with Self Help Credit Union we offer the Fresh Start Loan. Think of it as a loan on layaway -- you pick a loan amount and set-up an payment plan. The payments go to a savings account and are reported to the credit agencies. Once you've paid the final payment, your loan is unlocked.
How It Works
Apply for a fresh start loan
Apply to borrow $500-$2,000; terms 6-24 months. Your money is safe and secure.
Pay off your loan in the specified amout of time
Choose the amount and terms that work best for your budget.
Each monthly payment builds credit history
Your monthly payments are reported to the credit reporting agencies.
Unlock your savings
Once you've paid off your loan, you receive the full amount of the loan, plus interest.
