Get Smart About Credit - Every Day, Together

At Flatwater Bank, “Get Smart About Credit” isn’t just a one-day observance — it’s a year-round mission. We know that credit decisions are part of the daily financial journey for many of our customers. As your local community bank, we’re committed to being by your side as you learn, grow, and move toward your goals.
Whether you’re just starting to build credit, striving to raise your score, or planning a large purchase, you don’t have to go it alone. We offer a variety of resources and tools to make credit more transparent, manageable, and less intimidating.

Introducing My Credit Manager — Your Credit Tool, Built Into Banking
One of our standout tools is My Credit Manager, integrated seamlessly into Flatwater Bank’s digital banking platform. It gives you a fuller picture of your credit status — for free.*

Here’s how My Credit Manager helps you stay in control:

• Credit Score & History: View your current credit score, track how it changes over time, and see details about what’s influencing it (payment history, credit utilization, new accounts, etc.).
• Full Credit Report: Get a complete Experian-powered credit report (credit summary, account details, credit inquiries, public records) with a 7-year history view.
• Real-Time Alerts: Receive notifications when there are notable changes to your credit — for example, new activity or changes that could impact your score.
• Score Simulator & “What If” Tools: Experiment with hypothetical decisions (e.g. paying down balances, opening new accounts) to see potential impacts on your score. (These are estimations, not guarantees.)
• Free & Non-Impacting: My Credit Manager is free for all digital banking users, and checking your credit through it results in only “soft” inquiries — so it doesn’t hurt your credit score.
• Accessible Anywhere: You can use it via a web browser or through our mobile app. How to get started: log into your online or mobile banking, scroll to the “Credit Score” tile, click “Learn More,” and complete a short identity verification.

How We Support You — Beyond the Tool
Tools like My Credit Manager are powerful, but they work best when combined with guidance and education. As part of our ongoing commitment, we offer:

• One-on-one credit consultations — Our team is ready to walk through your report, help interpret what you see, and strategize next steps.
• Educational materials & workshops — We develop resources to explain credit scoring, the importance of payment history, credit utilization, and more.
• Budgeting & financial planning support — Combining credit awareness with healthy money habits helps you build stability.

Why This Matters — Credit Impacts Everything
Credit plays a role in far more than just getting a loan or credit card. Your credit history and score can affect interest rates, insurance premiums, housing applications, and more. The choices you make — how much you borrow, how often you pay on time, how much credit you use — all feed into that picture. That’s why we believe “Get Smart About Credit” should be a mindset, not a single calendar date.

With My Credit Manager as your go-to tool and our team’s support, you’ve got a partner in the journey. We’re here to answer questions, offer clarity, and help you make confident credit decisions.

If you ever want to dig deeper or walk through your report together, just reach out — we’re always ready to help.