Arro is a financial technology company, not a bank. Credit Builder lines of credit are provided by Cross River Bank, Member FDIC, and are not deposit products. Arro Credit Builder reports to Experian and Equifax, while the Arro Card reports to all three major credit bureaus. On-time payments may help your credit score, while late or missed payments may hurt it. Credit results vary by individual. Cash advance services mentioned are not affiliated with Arro and may have different fees and terms.