Originally known as Applied Card Systems (ACS), the company was a prominent issuer and marketer of credit cards, primarily for the subprime market, in partnership with Cross Country Bank. Following significant regulatory scrutiny in the mid-2000s, Cross Country Bank was rebranded to Applied Bank. Today, Applied Bank is an FDIC-insured, state-chartered bank that continues to offer a range of credit cards (including secured cards), personal loans, and business banking services, focusing on providing credit solutions to a broad spectrum of consumers.

Founded in

United States