If you are receiving unsolicited phone calls from an entity pretending to be ACCC (a trusted non-profit credit counseling agency), please be assured that ACCC’s policy is NEVER to contact you unless you’ve explicitly requested us to call you. Also be cautious of emails from an unusual or unfamiliar domain. ACCC’s domain extension is @consumercredit.com, and any emails using a different extension should be treated with suspicion.


ACCC’s Client Login allows current clients to access their program information, including the due date, program benefits, and other documents.

Select a Client Login below based on the service that you are currently enrolled in:

Debt Management Program

Client Login

Not yet a client, but looking to get started?

ACCC offers debt relief options to individuals and families that are suffering from stress related to credit card debt by providing effective credit counseling, helping to consolidate debt, and advising on debt management.

Get Started


You are now leaving the Consumer Credit website and are going to a website that is not operated by ACCC. We are not responsible for the content or availability of linked sites.

Are you sure you want to leave?

No, return me to the previous page.


Services You Didn’t Know Neobanks Offer

Online banking itself isn’t new, but neobanking is. A neobank is a tech company that offers online banking services through a partnership with another bank. Such banking services are conducted via a mobile app or website. Some of their offerings include tools to help with saving and budgeting. All through the convenience of your computer or mobile phone, twenty-four hours a day, seven days a week. Examples of neobanks include Chime, Revolut, and GoBank. Some neobanks have higher-yield interest rates, which is useful for building up a savings account and helping to buffer you from debt. Read on to see if a neobank is right for you.


Neobanks offer many of the same services that traditional banks do, and consumers can open an account online without ever stepping foot in a physical bank.

The Pros of Neobanks

Firstly, it’s easy and fast to set up an account – it’s just a couple of simple steps! Once you have an account, you’ll can bank anytime you want from the comfort of your home. Neobanks usually include checking and savings accounts, payment and money transfer services, and financial education tools. Some neobanks also have features such as overdraft protection and sign-up incentives. Making transactions in neobanking is also quicker compared to those of a bank. The apps are also designed with user-friendly and responsive interfaces.

Besides the lower costs, neobanks don’t have minimum balance requirements or monthly fees, which means you can save more money. It’s also easier to apply and get approved for a neobank account if you’ve had accounts closed in the past, since some neobanks don’t check banking histories. If you’ve had a a bank account closed in the past because of financial hardship, a neobank may be a good way for you to get back into online banking.

The Cons of Neobanks

Most neobanks don’t offer services such as loans, mortgages and credit cards. You would likely have to visit a traditional bank instead. If you haven’t done online banking before, the technology can take some time to get used to. There’s also nobody to speak with in person, which can make complex transactions tough if you have questions. Another thing to consider is that neobanks aren’t as regulated as traditional banks. That means if there’s any issues such as fraud or errors, figuring out who’s legally responsible for it could be more confusing. So it’s crucial to pick a neobank that is FDIC-insured and has excellent customer service.

What to Look for in A Neobank

If you find a neobank that looks promising to you, check out the customer reviews first. You’ll get an idea of the quality of factors such as site experience, customer service and interest rates. Afterwards, you should also verify the neobank’s status with the FDIC. The FDIC, (Federal Deposit Insurance Corporation) was created by Congress to supervise and examine banks’ compliance with consumer protection laws. For the safety of your money, a neobank should be affiliated with a bank or credit union. Why? Because banks and credit unions have insurance on deposit accounts up to $250,000.00. So if something happens to your neobank, you can make a claim and get your money back. Inversely, if that neobank wasn’t affiliated with a bank or credit union, you could lose your money on deposit, and there might not be a way to get it back.

If you’re struggling to pay off debt, ACCC can help. Schedule a free credit counseling session with us today. 


Rae Yen is a marketing coordinator at ACCC. She wants to help others optimize their financial resources and plan accordingly.

View all author posts →


Your Ultimate Money Management App

Meet CreditU, the ultimate one-stop debt and financial management app! See your full financial overview, including debts, income, expenses, and savings.

CreditU Apple App Store
Dev Tool:

Request: blog/neobanks
Matched Rewrite Rule: blog/([^/]+)/?$
Matched Rewrite Query: post_type=post&name=neobanks
Loaded Template: single.php