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, tens of millions of adults in America either can't afford or can't access a bank account. Tens of millions of adults struggle to established a credit score, and 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 debit card, we earn commissions from Visa®. We pay a portion of those forward by working alongside non-profits to deliver free banking and credit building to families that are struggling to access affordable financial services. Our free accounts and credit building plans allow communities that have been overlooked by other banks to begin saving and building credit at no cost. For many people, this is simply life-changing. You make that possible.
If that resonates with you, we would love for you to open an account with Motiv. 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 by banking with Motiv, and look for new ways to bank it forward for you and the community.