Funding Your RoarMoney Account in 5 Steps


You did it! You made the decision to secure your financial future by opening a RoarMoney Account. You might be wondering how you get your money in your new account. It’s easy; in fact, it is so easy you can get it done in a few simple steps. 

Step 1: Activate your debit cards

First up, you’ll want to activate your debit cards, plural. That’s right — every RoarMoney account comes with two debit cards so you can shop online and in person with ease. Having a virtual card means no waiting for your physical card in the mail. 

RoarMoney virtual debit card

The RoarMoney virtual debit card is a secure, touch-free payment method to conduct online, over-the-phone, and in-person mobile payment transactions. Virtual debit cards are also a great way to help keep your funds secure because you don’t have to worry about losing a physical card. You can activate your virtual card as soon as you open an account. Here’s how:

  • Open your RoarMoney app and tap the “Finances” tab.
  • Select your RoarMoney account and tap the light blue virtual card.
  • Click “Activate card now” or call the automated line at 1-801-736-2453 to set your PIN.
  • Est. time: Two minutes

Once you activate your card, you can use it right away. And if your information is ever compromised, you can generate a replacement virtual card right in the app. Here’s how:

  • Navigate to the Finances tab and click on your RoarMoney account.
  • Tap your virtual card.
  • Tap “Replace card.” 
  • Est. time: One minute

Note you can use these steps to replace your physical card, too. Your new card will arrive within 10 business days. 

MoneyLion Debit Mastercard (“Physical” Card)

As soon as you deposit funds into your RoarMoney account, we’ll ship your contactless MoneyLion Debit Mastercard right to your door. You still get a physical card even though you have a virtual card. MoneyLion recognizes that some places don’t accept virtual cards or some still want a physical card, so you get both for free with your account.  Before you can start spending, you’ll need to take two minutes to activate it.  

  • Remove your card from the mailer.
  • Call the number shown (1-801-736-2453) to activate your card and set a PIN.

MoneyLion’s Debit Mastercards use Tap & Go® technology, which means you can wave it over any contactless card reader for a quick, clean, safe checkout experience. 

Your card comes with other perks, too, like no-fee withdrawals at over 55,000 Allpoint ATMs and cashback at any store register. Use the app to find one near you. They are often inside stores like Dollar General, Walgreens, 7-Eleven, and CVS. No need to worry about finding an ATM; there is likely at least one close to you. 

One Account, Two Card Numbers

Another perk of having two cards attached to one account is that they come with different card numbers. That means you can use, lock, unlock, and replace them independently. If you ever lose or need to replace your physical card, your virtual debit card is waiting in the wings.

Step 2: Link your external accounts and cards

Linking your external accounts and credit cards lets us offer you personalized advice and better monitor your Financial Heartbeat®. Your Financial Heartbeat® is a great way to monitor how you spend, save, shield your finances, and boost your credit score. Plus, you can easily initiate transfers and payments, as we’ll discover below. 

To securely link your external accounts in just two minutes:

  • Tap “Link an account” on the Finances tab.
  • Select your other bank and enter your login info for that account.

Step 3: Fund your RoarMoney account

A person needs options especially when it comes to money, and here at MoneyLion, we understand. You can fund your RoarMoney account in several ways. We’ll cover each method here. 

Option 1: 0% APR Instacash advances

Once you’ve linked a valid checking account, why not use a 0% APR InstacashSM advance to deposit up to $1,000 to spend immediately? You can get funds for free in just 24 to 48 hours or get cash in minutes for a $3.99 Turbo Fee.  

  • Tap “Instacash” on the Home screen.
  • Tap “Request.” 
  • Choose your amount and tap “Get cash now.”
  • Review and tap “Confirm.”
  • If required, add a backup payment method.
  • Select your RoarMoney account and tap “Get my cash.”
  • Est. time: Near real-time to 48 hours, based on funding method chosen.

Note: You must set up a direct deposit with your RoarMoney account to increase the Instacash amount from $250 to as much as $1,000. 

Option 2: Get paid up to 2 days early with direct deposits

Another way to fund your account is by setting up direct deposits from your paycheck or government benefits. You can get paid up to two days faster — and the more you deposit, the more Instacash you’ll qualify for. To add direct deposits:

  • Tap “More” in the Finances tab.
  • Tap the “RoarMoney” menu.
  • Tap “Add / Manage direct deposit.”
  • Follow the prompts to connect your deposits.

Alternatively, you can log into your payroll or benefits website to set up direct deposits on the payer’s end. To get started, you’ll need your RoarMoney routing and account numbers, which you can find in three quick steps:

  • Tap “More” in the Finances tab.
  • Tap the “RoarMoney” menu.
  • Tap “Routing and account numbers.” 

After you have these numbers in hand, plug them into your employer benefits website to update your direct deposit. 

Regardless of which method you choose, it may take up to three pay cycles for your checks to divert to your RoarMoney account. 

Option 3: Round-Ups with Safety Net

If you want to start funding your MoneyLion investment account as well, you have a new option thanks to MoneyLion’s Safety Net. This option makes it easy to invest without feeling overwhelmed. With Round Up transfers, you can “round up” and save the change from your debit card transactions in five simple steps:

  • Tap the “Discover new features” carousel on the RoarMoney home screen.
  • Select the “Round Ups” card.
  • Tap “Enable Round Ups.”
  • Choose where you’d like your Round Ups to go.
  • Click “Confirm” to enable Round Ups.

Option 4: Transfer funds using your debit card

You can also deposit funds in your RoarMoney account by transferring funds from your linked external debit cards. To add funds in near-real time:

  • Tap “Transfer” on the home screen.
  • Select a linked debit card or tap “Add account” to link one.
  • Select “RoarMoney” as your “To” account.
  • Enter the transfer amount and tap “Continue.”
  • Step 5: Review details and tap “Transfer.” 

Option 5: Add funds from other accounts

If you want to fund your new banking account with an existing checking or savings account, you can transfer money anytime in one of two ways. 

Add from an externally linked account

To securely link another bank account:

  • Tap “Transfer” on the home screen.
  • Tap “Add account.” 
  • Select your bank and enter your login information.
  • Initiate a transfer by tapping your linked account. 

Add from another account or app

Alternatively, you can set up manual transfers from any eligible bank, including many popular payment apps. To get started:

  • Log into your other bank account or app and initiate a transfer.
  • Enter your RoarMoney account number and routing number.

Note that funds may take 3-5 business days to appear in your account if you use this method. 

Option 6: Depositing checks using your phone

Just about everyone has a smartphone, so how easy would it be to use your phone to deposit your next check? RoarMoney makes it easy to use your phone or another mobile device for depositing checks. To add funds from a paper check:

  • Tap “More” in the Finances tab.
  • Tap the RoarMoney menu. 
  • Select “Mobile Check Deposit.”
  • Follow the steps on screen.

Funds deposited by check may take anywhere from minutes to 10 days to appear depending on your chosen transfer method. 

Option 7: Deposit cash 

You can also add money to your account at any of the 90,000 retailers that support Green Dot® cash deposits, including Walmart, Dollar General, and 7-Eleven. The money will appear in your account in about ten minutes, and it only takes two easy steps

  • Hand your money to the cashier and swipe your MoneyLion Debit Mastercard.
  • See your money in your account.
  • Est. time: 10 minutes.

Step 4: Add your cards to your mobile wallet

Let’s face it, most people go everywhere with their phones but can easily leave a wallet at home. As long as you have a mobile wallet, you can still make your purchases. If your device supports Apple Pay or Google Pay, it “pays” to add your RoarMoney cards to your app.

If you don’t have a mobile wallet, your MoneyLion Debit Mastercard also lets you enjoy a contactless, germ-free checkout experience. 

Step 5: Get to know your benefits

Your MoneyLion Debit Mastercard comes with tons of powerful perks that you can find in the Guide to Mastercard Benefits. Some of the highlights include:

  • Price protection: if you find a lower price on eligible items within 90 days of purchase, you can receive a refund up to $250, four times per year.
  • Sophisticated identity theft protection with dark web monitoring.
  • Zero-liability protection against unauthorized purchases (fraud).
  • Extended warranty coverage. 

Spend Money, Earn Rewards

Your RoarMoney account can also earn rewards redeemable for credits into your MoneyLion investing account. It’s our way of helping you save for tomorrow while spending smart today. 

You can earn rewards in two easy ways:

  • Shake ‘N’ Bank rewards: With every card purchase of at least $10, you’ll earn a surprise amount up to the full transaction price (maximum $120.)
  • Online Deals: Who doesn’t love earning cashback? That’s why we offer cashback rewards for using your card at popular online retailers. You can find these offers listed under the Rewards tab in your MoneyLion app. 

Online banking made easy with RoarMoney

With our one-stop-shop app, MoneyLion is changing the way the world banks. We’ve made online banking easier, increasingly convenient, and more rewarding with our feature-packed RoarMoney account. Whether you’re in it for the virtual debit card, cashback rewards, user-friendly navigation, or the $1,000 in Instacash advances, you — and your money — are in good hands. And if you haven’t signed up yet, there’s no time like the present to get started.Download the MoneyLion app and set up your RoarMoney account here with iOS or using this link for Android. Welcome to the family.


Is MoneyLion a prepaid card?

No, MoneyLion is not a prepaid card. You are able to get funds directly deposited, do transfers, and make deposits into ATMs with MoneyLion.

Is there a RoarMoney ATM withdrawal limit?

Yes, there is a limit. The maximum amount you can withdraw is $510 in a 24-hour period.

Is MoneyLion legit?

Yes! MoneyLion is FDIC insured and associated with Pathward bank.

Sign Up
Sign Up

Get cash fast, pay no interest

Enjoy Instacash advances up to $250. No credit check, no monthly fee, no interest. Just cash.

Sign Up