Some exclusions apply. Cardholders receiving employee pricing are not eligible. We are proud to offer our Community Debit Card Program to benefit school nutrition programs in our communities.
Learn about the Community Debit Card program and how you can join the cause by clicking here. If you believe that your card or code has been stolen, or that someone has transferred or may transfer money from your account without your permission, please call us at or , or write to our Customer Care Department at 50 Industrial Park Road, Saco, ME, Our regular business days are Monday through Saturday.
Holidays on which we are closed are not included. With Android Pay, Apple Pay, and Samsung Pay, you can make payments from a secure app anywhere that mobile payments are accepted. Learn more about Samsung Pay. Learn more about FitBit Pay. Learn more about Garmin Pay. View Your Account Online. View Your Rewards Online.
Password Please enter required information. Remember Me. See if you're pre-approved Your credit score is worth protecting See what cards you're eligible for with no impact to your credit score. No impact, no worries Check if you're pre-approved for card offers with no impact to your credit score. See if I'm Pre-Approved. Get Checking. Easier car buying Pre-qualify to see your real rate and payment before visiting the dealer. Check Out Auto Navigator. I want to. Compared with other cards for folks needing help building their credit, Orchard Bank's cards were notable for their relatively low fees and interest rates.
Nowadays, you can get good secured cards with no annual fee, but usually not with such a low interest rate. In short, Orchard Bank offered attractive cards for consumers who didn't have a lot of options. A lot of people got their start with credit building by using Orchard Bank products, and word of mouth about them is still strong years after they disappeared.
Now that they're gone, what are the alternatives? Getting approved for a credit card — any credit card — boils down to the card issuer deciding to take a risk on you. Having "good credit" means that you have demonstrated the ability to handle borrowed money responsibly: You aren't too deep in debt, and you pay back what you borrow. When you have good credit, it's not hard to get approved for credit cards. Someone who has had trouble managing borrowed money in the past — or who has no experience managing borrowed money — poses a higher risk for lenders.
People with bad credit or no credit can still get credit cards, but card issuers take steps to minimize or compensate for their higher risk:. Most cards for people with bad credit or no credit tend to have low credit limits and high interest rates. Secured credit cards require the cardholder to put down a cash security deposit, usually equal to their credit limit.
If the cardholder doesn't pay the bill, the issuer can use the deposit to cover the purchases. Unsecured cards for bad credit or no credit often charge high fees. NerdWallet generally recommends secured cards for people trying to build or rebuild credit.
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