How to Apply for the Ohio Savings Bank Secured Credit Card

Ohio residents looking to build their credit score, or improve their poor credit rating, may want to consider applying for the Ohio Savings Bank Secured Credit CardIf you seem to be getting rejected when applying for other credit cards, it may be time to look into a secured option as the providers will accept those whose credit scores aren’t necessary up to scratch. By making a security deposit, cardholders ensure their credit cards at a limit approximately equal to that of the deposit amount. For the Ohio Savings Bank Secured Credit Card, successful applicants must make a deposit ranging from $300-$5,000 in order to set their credit limit (although the limit will be 10% less than the amount deposited). Compared with most other secured credit options, this credit card is less expensive with no annual fee and an APR of 20.24% (APR is subject to change). However, it is not comparable with unsecured options, so you may want to attempt applying for some more attractive credit options before settling on this one. If you would like to apply for the Ohio Savings Bank Secured Credit Card, scroll down and consult our step-by-step guide on how to complete the online application.

First Bankcard is the card-issuer of this secured credit card. Before you submit your personal and financial information, we recommend that you read through their privacy policy.


Applicants must meet the following requirements to be eligible for this credit card:

  • Be at least 18 years of age
  • Have a valid SSN
  • Have a valid US mailing address
  • Make a security deposit of $300-$5,000

How to Apply

Step 1 – Start the application process by navigating to the Ohio Savings Bank credit card summary page and scrolling down to the Secured Card option. Once you have located it, click the yellow Apply Now button to be redirected to the application form.


Step 2 – You will now be asked to provide the following information in the Contact Information section:

  • Full name
  • Physical address (including city, state and ZIP code)
  • Home phone number
  • Email address


Step 3 – Next, supply the information listed below into the Personal Identification and Housing Information sections.

  • Date of birth
  • SSN
  • Mother’s maiden name
  • Years at address
  • Housing status
  • Monthly housing payment


Step 4 – Here, you will need to provide the following employment and financial information:

  • Present employer
  • Business phone number (optional)
  • Total annual income
  • Checking account balance
  • Savings account balance
  • Investment account balance


Step 5 – At this juncture you have the option of adding an additional authorized user to your account. If you wish to do so, supply their full name as indicated.


Step 6 – Now provide the following details of your security deposit before clicking Continue:

  • Amount
  • Account type
  • Routing number
  • Accounting number


Step 7 – In the final step of the application process, review your information and read through the terms and conditions for this credit card. If you agree to the terms and wish to proceed, check the little box located beneath the disclaimer. When you are ready, click Submit to submit your application for review.


If you have followed all of the above steps, the application process is finished and your form has been submitted for review. Congratulations! You can expect a response from First Bankcard relatively soon. We wish you the best of luck and we thank you for using