We believe that everyone deserves a free bank account and affordable services that help them build credit. They're the essential building blocks for a healthy financial life. However, 16 million adults in America either can't afford or can't access a bank account. 45 million adults don't have an established credit score, and nearly 51 million are forced to depend on predatory payday lenders, pawn brokers and check cashers—services that push struggling families into vicious cycles of debt. This ultimately ends with people being left behind by modern banking.
That doesn't seem fair to us. And the more people we talk to, the clearer it becomes that you probably feel the same way. That's why we built Motiv: to unlock that energy and deliver transparent banking and credit products to anyone who wants simple, fairer financial services.
Motiv is a free and simple way to bank, build credit and give back to the community. When you make purchases with your Motiv Visa® debit card, we earn commissions which allow us to offer free credit-building loans. You can use the loan, or if you're credit is strong, you can sponsor someone who needs a hand improving theirs. These sponsored loans and the free Motiv account allow families who have been overlooked by other banks to begin saving and building credit at no cost. For many, this is simply life-changing. You make that possible.
If that resonates with you, we would love for you to join the Motiv movement. Bank it forward with us, your account could change someone's life.
Ed, Charles & Yadi
You can always expect these from Motiv.
We'll continually invest in ensuring that your personal information is secure
Everyone should have access to free banking, regardless of income, credit or citizenship.
We won't sell or share your data with third parties without your express permission.
We will never surprise you with unexpected fees or fine print. It's your money, we will always be straight forward with you.
Our services should help you build healthy finances. We won't offer products designed to increase your debt load or interest burden.
We'll keep you posted on the impact you're having, and look for new ways to bank it forward for you and the community.