How It Works


Join Motiv

Sign-up in our app in minutes, and link Motiv to recurring bills, direct deposits, and other accounts and apps in seconds.



Use Your Account

Your Motiv account and debit card are 100% free, with no hidden fees or fine print, so you can spend and add funds stress-free.



Start Building Credit

Starting this fall, you can join our automatic savings plan that also builds your credit score. The service is free for active Motiv customers.


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