Know Your Score. Strengthen Your Future.

Access your credit score and report free, with WebWise Online and Mobile Banking's Credit Score tool, powered by SavvyMoney

Understanding your credit is the first step toward achieving your financial goals. Get real-time access to your credit score, comprehensive reporting, and personalized insights—all within the security of WebWise Online and Mobile Banking.

Look for the Credit Score module in WebWise now!

Everything You Need to Build Stronger Credit

Real-Time Credit Score Access

See your current credit score anytime, with updates that reflect your latest financial activity. No more waiting for annual reports—your credit information is always at your fingertips.

Complete Credit Report

Get a comprehensive view of your credit history, including payment history, credit usage, account mix, credit age, and recent inquiries. Knowledge is power when it comes to managing your financial health.

Score Analysis & Insights

Understand what impacts your credit score with detailed breakdowns of each factor. See your creditworthiness rating, track your payment history for the past six months, and get recommended actions to improve your score.

Credit Monitoring & Alerts

Stay protected with instant alerts about changes to your credit report. Catch inaccuracies early and take action to protect what matters most—your financial reputation.

“What-If” Planning Tools

Make smarter financial decisions with confidence. Use interactive tools to see how different actions—like paying down debt or opening a new account—could impact your credit score before you make a move.

Why Use Our Credit Score Tool?

Navigate Finances with Confidence

Managing your money is challenging, but it doesn’t have to be overwhelming. Our financial personalization tools and customized content help you make informed decisions that lead to better outcomes.

Protect Your Credit Health

Credit report errors can have serious consequences. With instant visibility into your credit information, you’re in the best position to spot potential inaccuracies and take action to protect your financial future.

Secure & Convenient

Access your personal credit information through the trusted security of WebWise Online and Mobile Banking. Everything you need is available in one easy-to-use dashboard—no need to navigate multiple websites or apps.

Always Free for WebWise Users

As an Adirondack Trust customer enrolled in WebWise, you get unlimited access to your credit score and report at no additional cost. It’s just one more way we help you achieve financial wellness.

How It Works

You can access your credit score along with other rich data that helps you take control of your finances. Simply follow these steps to activate and access our new Credit Score tool, powered by SavvyMoney.

Log in to WebWise Online or Mobile Banking with your existing credentials
Look for the Credit Score by SavvyMoney module in your desktop WebWise accounts dashboard, or, tap "More" in your WebWise app, and then tap "Credit Score"
Click the module to access or activate SavvyMoney
Review your score, explore insights, and take action to strengthen your credit health

Your credit score updates regularly, so you can track your progress over time and see the results of your financial decisions.

Ready To Access Your Credit Score?

Current Adirondack Trust customers can start monitoring their credit scores and so much more on WebWise Online and Mobile Banking.

Download the WebWise Mobile App

Not an Adirondack Trust Customer Yet?

Open a new checking or savings account and enroll in WebWise Online and Mobile Banking to gain access to your free credit score and report, plus all the convenience of digital banking.

Want to Learn More About Credit?

Building and maintaining strong credit is essential for reaching your financial goals. Explore free educational resources and interactive tools through our Banzai Wellness Center:

How Do I Build Credit?

Learn the fundamentals of establishing credit and strategies to build a strong credit profile from the ground up.

Debt Payoff Calculator

Get personalized recommendations for managing and paying down debt based on your unique financial situation.

Budget Calculator

Create a realistic budget that helps you manage expenses, save money, and make consistent progress toward your financial goals.

Mortgage Affordability Calculator

Planning to buy a home? See how your credit score and debt-to-income ratio impact how much mortgage you can afford.

50/30/20 Budget Rule

Master this simple budgeting framework to balance needs, wants, and savings while keeping your financial goals on track.

Explore More Financial Wellness Resources

Frequently Asked Questions

Does checking my credit score hurt my credit?

No! Checking your own credit score through WebWise is considered a “soft inquiry” and does not impact your credit score in any way.

How often is my credit score updated?

Your credit score is updated regularly to reflect your most current credit activity, giving you real-time insights into your credit health.

Is my personal information secure?

Absolutely. Your credit information is accessed through the same secure, encrypted connection you use for all your WebWise banking activities. Adirondack Trust and its partners use industry-leading security measures to protect your data.

What credit bureau does this tool use?

Our Credit Score tool provides credit scores and reports from major credit bureaus to give you a comprehensive view of your credit health.

Do I need to enroll in WebWise to access my credit score?

Yes, Credit Score is available exclusively through WebWise Online and Mobile Banking. If you’re not yet enrolled, it only takes a few minutes to get started.

Can I see my full credit report?

Yes! In addition to your credit score, you’ll have access to your complete credit report, including detailed information about your payment history, credit accounts, inquiries, and more.

Take Control of Your Credit Today

Join thousands of Adirondack Trust customers who are building stronger financial futures with the tools and insights they need to succeed.