Welcome to Motiv

The free mobile bank account that helps you build your credit score, and gives back to the community, all at no extra cost to you.

No annoying charges. No hidden fees. No nonsense.

Here's How It Works


Your Account

Motiv is a free, user-friendly mobile bank account with no monthly fees, minimums, overdrafts or hidden fine print. Your account comes with a Motiv Visa® debit card, access to +25,000 zero-fee ATMs and an app that helps you budget and manage spending.

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Improve Your Credit 

When you use your Motiv account, you're eligible for a free credit-building loan. Although a loan, it works more like a free savings plan that builds credit. Like the account, we don't charge fees or interest, so it's a great way to build savings and your credit score all at once.

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Help Others

If your credit is strong, you can give your free loan to someone who joins Motiv through a non-profit and needs help improving their score. We partner with community organizations to bring free banking and credit-building to families that are stuck cashing checks and borrowing from payday lenders.

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Your Impact

Motiv is the bank account that gives back to the community. Your business makes that possible. We'll show you how the credit building loans that you share with our non-profit partners help families escape from predatory financial services, and begin to save and build credit.


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Bank For Change Today

Sign up and start banking with an impact in as little as 3 minutes.