Building Good Credit Los Banos CA

Four simple strategies that can help you build a credit history.

Wells Fargo - Los Banos Branch
(866) 245-3452
461 J Street
Los Banos, CA
ATM Fees
monthly fee: Monthly service fees range from $0 to $30.00. See institution about how these monthly fees can be waived.
ATM fee note: There is a $2.50 fee each time you use a non-affiliated ATM.
Services
Mobile & Text Banking, Debit Reward Programs, Overdraft Protection, Email Alerts, Online Bill Pay, Free Checks, Unlimited Checks

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Bank of America - Los Banos Branch
(800) 432-1000
556 I Street
Los Banos, CA
ATM Fees
monthly fee: Monthly service fees range from $0 to $25.00. See institution about how these monthly fees can be waived.
ATM fee note: There is a $2.00 fee each time you use a non-affiliated ATM.
Services
Mobile & Text Banking, Debit Reward Programs, Overdraft Protection, Email Alerts, Online Bill Pay, Activity Download, Free Checks, Unlimited Checks

Data Provided by:
Wells Fargo - Los Banos
(209) 826-5172
461 J St
Los Banos, CA
Type
Branch
Office Hours
Mon-Fri 09:00 AM-06:00 PM
Sat 09:00 AM-04:00 PM
Sun Closed

Chase Bank
(209) 826-3011
550 K St
Los Banos, CA
Type
Freestanding
Office Hours
Mon:9:00-6:00
Tues:9:00-6:00
Wed:9:00-6:00
Thurs:9:00-6:00
Fri:9:00-6:00
Sat:9:00-4:00
Sun:closed

Chase - San Jacinto Stater Bros Bakning Cent
(877) 682-4273
1271 North Stater Street
San Jacinto, CA
ATM Fees
monthly fee: Monthly service fees range from $0 to $35.00. See institution about how these monthly fees can be waived.
ATM fee note: There is a $2.00 fee each time you use a non-affiliated ATM. (Fee does not apply to all accounts.)
Services
Mobile & Text Banking, Overdraft Protection, Email Alerts, Online Bill Pay, Activity Download, Free Checks, Unlimited Checks

Data Provided by:
Chase - Los Banos Branch
(877) 682-4273
550 K Street
Los Banos, CA
ATM Fees
monthly fee: Monthly service fees range from $0 to $35.00. See institution about how these monthly fees can be waived.
ATM fee note: There is a $2.00 fee each time you use a non-affiliated ATM. (Fee does not apply to all accounts.)
Services
Mobile & Text Banking, Overdraft Protection, Email Alerts, Online Bill Pay, Activity Download, Free Checks, Unlimited Checks

Data Provided by:
Bank of America - Gustine Branch
(800) 432-1000
208 Fifth Street
Gustine, CA
ATM Fees
monthly fee: Monthly service fees range from $0 to $25.00. See institution about how these monthly fees can be waived.
ATM fee note: There is a $2.00 fee each time you use a non-affiliated ATM.
Services
Mobile & Text Banking, Debit Reward Programs, Overdraft Protection, Email Alerts, Online Bill Pay, Activity Download, Free Checks, Unlimited Checks

Data Provided by:
Bank of America - Los Banos
(209) 826-5162
556 I St
Los Banos, CA
Type
Banking Center
Services
Banking Center Services: Commercial Deposits
Outdoor ATM Services: Open 24 Hours, Talking ATM, Braille, Accepts Deposits, Drive Up, Deposit Image
Languages
English, Spanish, Chinese, Korean, French, Russian, Portuguese
Office Hours
Monday 9-5
Tuesday 9-5
Wednesday 9-5
Thursday 9-5
Friday 9-6
Saturday 10-2
Sunday Closed

Bank of America - Gustine
(209) 854-6476
208 5th St
Gustine, CA
Type
Banking Center
Services
Banking Center Services: Commercial Deposits
Outdoor ATM Services: Open 24 Hours, Talking ATM, Braille, Accepts Deposits, Deposit Image
Languages
English, Spanish, Chinese, Korean, French, Russian, Portuguese
Office Hours
Monday 9-4
Tuesday 9-4
Wednesday 9-4
Thursday 9-4
Friday 9-5
Saturday Closed
Sunday Closed

Citibank - North Main Street Branch
(800) 374-9700
2677 North Main Street
Santa Ana, CA
ATM Fees
monthly fee: Monthly service fees range from $0 to $30.00. See institution about how these monthly fees can be waived.
ATM fee note: There is a $2.00 fee each time you use a non-affiliated ATM. This fee is waived when you meet the account's minimum balance requirements.
Surcharge fee: Surcharge-free ATM access is available at all MoneyPass Network ATM locations.
ATM Fee Rebate Noe: Some accounts provide rebates of ATM Surcharge Fees. Contact Citibank for details.
Services
Mobile & Text Banking, Debit Reward Programs, Overdraft Protection, Email Alerts, Online Bill Pay, Free Checks, Unlimited Checks

Data Provided by:
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Building Good Credit

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Why is life so difficult for young adults? You can’t get a job without experience, and you can’t get experience without a job. You can’t borrow without a credit history and you can’t establish a credit history without borrowing. Considering the millions of young adults who go through this same scenario every year, why do we not have a more systematic way to fix this issue?
 
While I can’t fix the economy I can offer a few suggestions for establishing some credit history. But be warned: You need to decide why you are establishing credit. Buying a home is a worthy cause, but establishing a credit history just to borrow money and go deeper into debt, is not

1. Borrow your own money. The only good reason to borrow your own money is to establish good credit, so don’t worry, this does make sense. This approach works if you have a savings account or otherwise have access to money (usually you will need between $1,000 and $5,000, depending on your bank). You can get a secured loan through most credit unions where they lend you an amount equal to whatever you have in your account. You can’t get to the money in your account since you are using it as collateral. Then you pay it back monthly. You will lose money in interest this way, but consider it a fee to establish some credit history.

2. Pay back your student loans on time. If you have student loans (the kind that are in your name) then once you start your repayment period, you are establishing a credit history. Of course missing or late payments will result in a poor credit history, but on-time payments will establish you as a reliable borrower. Choose electronic payments to make sure you don’t forget to pay....


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