Pay no annual fee. Get access to a higher credit line after making your first 5 monthly payments on time. Fraud coverage if your card is lost or stolen. Use online banking to access your account, even from your smartphone, with our mobile app. Pay by check, online or at a local branch, all with no fee - and pick the monthly due date that works best for you. Get access to your account 24 hours a day, 7 days a week.