Account Essentials


No Fees

No monthly fees. No overdraft fees. No cash-back fees. No hidden fees. No fine print...you get the idea.


Debit Card

When you open an account with us, you get a free Motiv debit card that works everywhere Visa® is accepted, in the US and internationally.


Free ATMs

Your Motiv debit card also gets you free cash reloads as well as withdrawals at 25,000+ ATMs. It works at other ATMs too, but they have fees.

The Motiv Visa® debit card works in the US and internationally. There are no charges for domestic or international purchases.

The Motiv App

The Motiv app helps you manage your spending and build your credit easily.

Take Control

The Motiv app makes it easy to stay on top of your budget, track your spending and find the nearest free ATM.



Link your account to Square Cash, PayPal, Apple Pay and Google Wallet in minutes. It’s also easy to set up a direct deposits into your account.



We'll keep you updated on the impact that our credit-building products are having on your score. We'll also keep you posted on how Motiv is giving back to the community.


World-Class Support 

Fraud Protection

Your money is protected by Visa’s Zero Liability® fraud policy. If you ever notice suspicious activity with your account, you can freeze your debit card or account with a tap, inside the Motiv app.



Your deposits are FDIC-insured, for up to $250,000 through Evolve Bank and Trust, Member FDIC.


Here to help

Questions about a transaction? Message us in the app or give us a call. We’re always here to help!

Account FAQs

Your Motiv account is FDIC insured and protected from fraud and identity theft.

Bank Differently Today

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