← Debit & credit cards

Full Service Credit Cards

Jack Henry’s Full Service Credit Cards (FSCC) provide a wealth of functionality to give your end users the experience they want when accessing their cards. When combined with the Banno platform, your end users get all that functionality with the user experience they know and love. How does it all pull together? Read on to find out.

Accessing your cards

You can access your credit card accounts as you would any other account, from the dashboard’s accounts list. Here you can view a wealth of information about your card, including:

  • Credit usage
  • Routing number
  • Payment information
  • Account activity
  • Interest rate
  • Reward points

From this view you can also access individual card accounts, from which you can pay a card bill, set up alerts and protections, and separate entity institutions can report, reorder, or activate cards.

This screen will vary slightly based on what kind of Full Service Credit Cards your institution uses: single entity or separate entity.

Single entity

Single entity means each account is tied to one and only one card. In this case, the account number matches the card number and all controls work at the account level, rather than the card level. Single entity is used very widely, but new institutions primarily use separate entity.

Separate entity

Separate entity allows multiple cards to be associated with a single account. The account number and card number do not match, as multiple different card numbers can be associated with a single account. This allows cards to be reported lost or stolen without needing to close the account completely. Reporting cards lost, reordering cards, or activating cards all happen at the card level, rather than the account level.


Paying a card account is simple, with a Pay button appearing with other card details when a payment can be made. Payments may be made from either internal or external accounts, with external accounts using ACH to process the payment. External payments will also prompt the user and walk them through the process of adding an external account if one is not already saved.

When choosing to pay, the following amount options are available:

  • Statement balance
  • Current balance
  • Minimum amount due
  • Other (enter an amount)

An end user cannot pay more than the current balance on the card. End users can also enroll in autopay, which will always process on the due date for the card. Autopay details appear on the account screen and automatic payments can be canceled directly from that view.


Can an end user set a date for autopay?
Currently autopay can only be set to process on the due date for the account.
Can I use account alerts on my Full Service Credit Card account?
Account level alerts are not available for FSCC accounts. Transaction level alerts are available, however.