Discover America’s most powerful financial membership

MoneyLion Core was made for you

At MoneyLion, we understand that everyday Americans haven’t been getting a fair deal from big banks all these years, and we think you deserve something better … so we built it!

Introducing MoneyLion Core, a free membership like nothing you’ve seen before. Membership includes:

  • Zero-Fee Checking℠
  • Managed Investing with no mimimums
  • 0% APR Instacash℠ cash advances
  • Cashback on everyday spending
  • Free credit monitoring
  • Free fraud protection*

All in the palm of your hand. America’s most powerful financial membership℠ offers you a better way to bank. Here’s how:

Zero-Fee Checking℠ that gives you total freedom

MoneyLion Core gives you a Zero-Fee Checking account with no monthly service fees, no overdraft fees, and no required minimum balance. With Core, you’ll have access to traditional checking features, including balances, transfers, and statements, as well as a sleek black debit card that you can use anywhere Visa is accepted and at 55,000 fee-free Allpoint ATMs worldwide.

Managed Investing on your terms

In addition to a Zero-Fee Checking Account, your Core Membership gives you Managed Investing, helping make your money work as hard as you do. You choose how much to invest and when to invest it, and we’ll take care of the rest. We’ll invest your money in a personalized portfolio that’s tailor-fit to help you reach your financial goals. We take the stress out of money by investing your extra cash and banishing bank fees. But, guess what? We aren’t done yet.

0% APR Instacash℠ cash advances when you need it*

Finally, you can enjoy the empowerment that comes from having a bank that helps you grow your money, rather than profiting when you struggle. With MoneyLion Core, you’ll never come up short on cash when bills come faster than payday because you can get access to 0% APR Instacash cash advances up to $250 whenever you need to top off your account.

Earn Cashback Rewards at all your fave merchants**

A MoneyLion Core membership will also offer amazing perks, including Cashback Rewards on everyday purchases. Browse offers from merchants in the app, and then link your credit or debit card for free to start earning Cashback Rewards every time you shop. We’re all about rewarding members, who perhaps aren’t used to getting the red carpet treatment from banks, so we’ll also give you additional rewards points for doing everyday things like making on-time payments and managing your credit responsibly.

Track and improve your credit score with free credit monitoring

Speaking of credit — does yours need a boost? With your MoneyLion Core membership, you can also improve your credit score by enrolling in free credit monitoring. You’ll get access to credit-building tips and the ability to test out credit scenarios to see which actions most positively impact your credit score.

You can also level up to a paid membership that gives you access to a $500 5.99% APR Credit Builder℠ loan and exclusive perks. Nearly 70% of Plus members have increased their credit score by 30 points or more after joining.

Protect your hard-earned money

Protect your hard-earned money by getting 24/7 fraud protection and real-time alerts included with your Core membership. If your card is stolen or lost, no problem. You can lock and unlock your card in the app or give us a call. We’re here to make things right. All alerts are customizable in the app, so you can get the kind of notifications you prefer.

Join America’s most powerful financial membership

Why use traditional banks when you can get rewards and respect — with zero fees — from MoneyLion? Learn more by downloading the MoneyLion app or visiting today.


Terms and conditions apply. See membership details for disclosures

MoneyLion Banking account provided by partner bank, Member FDIC. Cash Advance requires MoneyLion Bank Account and Direct Deposit. ==See Banking and Cash Advance FAQs== for more information.

Investment Accounts Are Not FDIC Insured • No Bank Guarantee • May Lose Value. For important information and disclaimers relating to the MoneyLion Investment Account, see Investment Account FAQs ==Investment Account FAQs== and ==FORM ADV==. *Broker-Dealer charges a $0.25 withdrawal charge.

“America’s Most Powerful Financial Membership℠” is based on our analysis of membership programs and products offered by competing financial institutions. ==Learn more==

*****MoneyLion Checking Account and Direct Deposit required.

******See Discount Rewards Disclosures at

*********Results not guaranteed. Your experience and circumstances may be different. Data was sourced from more than 11,000 MoneyLion Plus members who have signed up for MoneyLion’s credit monitoring, taken out a MoneyLion Plus loan, and made on-time MoneyLion Plus loan payments.