Welcome to Motiv

The free mobile bank account that helps you build your credit score. 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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Build Your Credit

When you use your Motiv account, you're eligible for free credit-building savings plans. We don't charge active users fees for the service, so it's a great way to build your savings and credit all at once.

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Track Your Progress

Motiv is designed to eliminate banking fees, build your savings, build your credit without going into debt. We’ll help you monitor how well you’re doing in all of these areas.


Your Impact

Motiv is all about giving back to the community, and your account makes that possible. We partner with non-profits to help families in underbanked communities escape from predatory financial services, and begin to save and build credit. We’ll show you how your business supports that effort.


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Bank For Change Today

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