Credit Strong is a division of Austin Capital Bank, a 5-star rated independent community bank and member of the FDIC. We have grown to be one of the preeminent community banks in Central Texas and a national leader in responsible financial services innovation. When you open a credit-builder account, we open an installment account and savings account for your company. The loan proceeds are deposited in the savings account to secure the loan. Every monthly payment builds savings and credit history.