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 withdrawals at 25,000+ ATMs. It works at all the other ones but, you know, 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 Venmo, PayPal, and Apple Pay in minutes. It’s also easy to set up direct deposit, auto
bill-pay, and order checks when you need them.



We'll update you on the impact of the credit-building loans on your score, or the score of the person you sponsor. We'll also keep you posted on how Motiv is giving back.


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, through 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 For Change Today

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