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Online Lending Applications Temporarily Down
Our commercial, consumer loan, and credit card online application systems are currently experiencing technical issues and are temporarily unable to accept applications. While we work to restore service, please contact your banker for assistance with completing your application. We apologize for the inconvenience and appreciate your patience.

Credit Sense

Credit Sense gives you free, secure access to your credit score, monthly updates, alerts, and tips to help you build and manage your credit.

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Take Control of Your Credit

Stay on top of your credit score, monitor changes, and get personalized tips to improve your financial health.

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Soft Credit Check

Check your score anytime without impacting it.

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Alerts & Monthly Updates

Get notified of key changes to your credit profile.

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Score Insights

See what affects your score and how to improve it.

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Credit Report Access

View account history, inquiries, and other credit details.

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Personalized Offers

Find prequalified loans and credit options that fit your profile.

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Build Stronger Credit with the Right Tools

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Personal Finance Manager

Keep your budget on track with easy tools to monitor spending, set goals, and stay organized.

Start Managing
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Online Banking

Access your accounts, pay bills, and move money anytime from your computer.

Go Online
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Mobile Banking

Use your phone to check balances, transfer funds, and manage your accounts from anywhere.

Get the App
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Fraud Protection

Stay alert with built-in monitoring and fast notifications for unusual activity.

Protect Your Accounts

Log In to Access Credit Sense

Frequently Asked Questions

What if something in my Credit Sense report looks wrong?

Start by reviewing your free credit report at annualcreditreport.com. You can also click “Dispute” directly in your Credit Sense credit report or follow the FTC’s step-by-step guidance to contact the credit bureaus.

What scoring model does Credit Sense use?

Credit Sense uses TransUnion data and the VantageScore 3.0 model, developed by the three major credit bureaus—Equifax, Experian, and TransUnion—for more consistent scoring.

Why do credit scores differ between sources?

Scores vary based on which bureau is used and the scoring model applied (e.g., FICO vs. VantageScore). Even the same model can weigh credit factors differently. That’s why your score may not always match what lenders see.

Can I add external accounts to Credit Sense?

Credit Sense focuses on your credit profile, not account aggregation. For external accounts and budgeting, check out our Personal Finance Manager.

Can I download or export my credit data?

While Credit Sense does not offer export options for your credit report, your credit data is accessible anytime from your Online or Mobile Banking dashboard.
See All FAQs

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