‍§ Kikoff Inc. is a financial technology company "Fin-Tech", not a bank.  The Kikoff Secured Credit Card is provided by Coastal Community Bank, Member FDIC. Deposits are FDIC-insured up to $250,000 per depositor. Learn more by visiting Coastal Community Bank at coastalbank.com/privacy-center. The Secured Card is issued by Coastal Community Bank, pursuant to licensing by MasterCard® International Inc. The Kikoff Secured Credit Card Merchant Cash Back Program is governed by the Kikoff Merchant Cashback Program Addendum and provided by Coastal Community Bank, Member FDIC. Direct deposit required to unlock overdraft protection. Overdraft limit is determined by card usage and other risk factors. Early access to direct deposit funds depends on the timing of the payer’s submission of deposits and is not guaranteed.
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1 Individual results may vary. Subject to approval & identity verification. Plans start at $5/month for 12 months, for a total of $60, billed monthly. Features may vary depending on plan (Kikoff Credit Service) purchased. Reported credit line (Kikoff Credit Account) intended exclusively for financing credit-building purchases via the Kikoff Store (principally, the Kikoff Credit Service). Additional terms and conditions may apply. Cancel anytime. Late or missed payments can have a negative impact on your credit. Make on-time payments to maintain account health.
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2 First-month credit score impact of +28 points in first month based on observed changes in Equifax VantageScore 3.0 for Kikoff users with starting credit below 600 who made at least one purchase with Kikoff Credit Account & one-on-time payment between Jan-2021 & Mar-2024. Late payments may negatively impact your credit score. Individual results may vary.

3 Account lifetime credit score impact of +58 points in first year based on observed changes in Equifax VantageScore 3.0 for Kikoff users with starting credit below 600 who made consistent, on-time payments without adding non-Kikoff delinquencies or collections to their credit profile. Data current as of Nov-2022.
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New Mexico residents only – TO REPORT A PROBLEM OR COMPLAINT WITH THIS LENDER YOU MAY WRITE OR CALL Compliance Director at P.O. Box 40070, Reno, NV 89504; (775) 993-6992.; or at support@kikoff.com. This lender is licensed and regulated by the New Mexico Regulation and Licensing Department, Financial Institutions Division, P.O. Box 25101, 2550 Cerrillos Road, Santa Fe, New Mexico 87504. To report any unresolved problems or complaints, contact the division by telephone at (505) 476-4885 or visit the website http://www.rld.state.nm.us/financialinstitutions/.
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