Smart Pay

Automatically pay down your balance

Using the rules you set for us, we steadily pay off the purchases you make from available cash in your checking account. Think of it as taking lots of small bites over time, instead of one big bite at the end of every month.2

How it works


Easily set up your SmartPay rules, like daily payment limits and a minimum checking balance.


As you use Truecard1,4, we’ll make payments when we see you have available cash that’s safe to spend based on your rules.


Before making any payments, we’ll give you a heads up, so you stay in control. You can pause payments anytime.

What makes it great

This is where it gets really good. SmartPay can help boost your credit score in two ways:

Helps keep debt under control

Making SmartPayments throughout the month can help keep your debt-to-credit ratio low.2,3
Below 30% is ideal to help boost your credit score.

Prevents overdue payments

SmartPay can help you consistently make on-time payments—another one of the largest factors in your credit score.3

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Smart Pay

The Nitty Gritty

Payment schedule

Each ACH day (typically Monday through Thursday), we’ll attempt to pay down your Truecard balance from your linked checking account. The payment amount will be based on your rules and your checking account balance that day. When successful, payments may take 1-2 days to land and be reflected in your available balance. You can also pause payments anytime.

Fallback payment

If SmartPay fails for any reason, you will be able to select a fallback plan to ensure your payment will still be on time. You can choose to allow us to pay either the minimum card payment or the total statement balance on the card when your monthly due date approaches.

Minimum checking balance

When you set up SmartPay, you’ll set a minimum checking balance (or “buffer”). Each day we initiate a payment from your checking account, we’ll check to make sure that payment won’t put you under your minimum checking balance requirement.

Maximum daily payment

When you set up SmartPay, you’ll set a maximum daily payment amount. We’ll never initiate a payment over this amount on a given day. Keep in mind that we will attempt payment each ACH day (typically Monday through Thursday).

(1) Truecard is Powered by Deserve and issued by Celtic Bank, a Utah-Chartered Industrial Bank, Member FDIC.
(2) SmartPay enrollment required. SmartPay is not available for all accounts.
(3) Impact of using SmartPay to boost your credit may vary; credit scores are determined by Credit Reporting Bureaus and rely on a number of factors that we cannot predict. Increases or specific changes to your credit score are not guaranteed.
(4) Pre-approval does not guarantee an account approval and you must submit a full application for review in order to apply for any offer(s) of credit. Submitting for a pre-approval is how you find out if you may be eligible for a Truecard without impacting your credit score.