A debit card that helps you build creditø

Introducing the Experian Smart Money™ Digital Checking Account, designed by credit experts.

Graphic smart money phone and coins.Graphic smart money card.
Sign up in minutes

Already a member? Sign in to get started

The Experian Smart Money™ Debit Card is issued by Community Federal Savings Bank (CFSB), pursuant to a license from Mastercard International. Banking services provided by CFSB, Member FDIC. Experian is a Program Manager, not a bank.

Experian Boost® results will vary.

  • $0 monthly fees
  • $50 direct deposit bonus‡
  • $250K FDIC insured§

Build credit with a digital checking account

Sign up in minutes

Build credit without the debt

Pay bills like your rent, utilities and streaming services with your digital checking account and we’ll find payments that could instantly raise your credit scores.ø

graphic screen pay bill and boost

øResults will vary. Not all payments are boost-eligible. Some users may not receive an improved score or approval odds. Not all lenders use Experian credit files, and not all lenders use scores impacted by Experian Boost®. Learn more.

Earn a $50 bonus

You can get a $50 bonus when you set up direct deposit.‡ Plus, paydays get even better with paychecks hitting your account up to 2 days early.†

graphic screen direct deposit and bonus

No monthly fees, no minimums

Not a fan of fees? Neither are we! So you won’t pay monthly fees, and you’re never charged for a $0 account balance.

graphic screen calendar no fee

Smart Coverage1 benefits

Your Experian Smart Money™ Digital Checking Account and Debit Card comes with Cell Phone Protection, Price Drop Protection and Purchase Assurance Plus.

Graphic Smart money phone protection discount.
Sign up in minutes

More benefits

Secure and FDIC insured up to $250,000§

Live customer support 7 days a week

55,000+ no-fee ATMs worldwide**

Track your bills, spending and subscriptions

Start using your virtual debit card instantly

Deposit cash at popular retailers#

Sign up in minutes

Get started with your account

Enroll in a free membership and open a digital checking account through Experian.

Graphic create new account screen.

It’s your go-to place to easily manage your account, check your credit and more.

Graphic QR code.

Scan to get the Experian app

Download from the Apple App Store.Download on the play App Store.

Add money by transferring from another bank account or setting up direct deposit.#

Graphic smart money transfer money screen.

Get your virtual debit card and add it to your digital wallet—then you’re ready to start spending!

Graphic smart money card.
Sign up in minutes

Frequently asked questions

The Experian Smart Money™ Digital Checking Account makes it easy to transfer money, pay bills and more online or on your phone—without a physical bank. More features include:

  • We’ll automatically find bills you pay that could raise your credit scoresø.
  • Get your paycheck up to 2 days early†, plus a $50 bonus‡, with direct deposit.
  • We don’t charge any monthly fees, and there’s no minimum balance.
  • Access to 55,000+ no-fee Allpoint ATMs** worldwide.
  • Get an Experian Smart Money™ Debit Card that you can add to your digital wallet and start using instantly.

Along with your account, you’ll have access to Experian membership benefits like your Experian credit report, FICO® Score*, credit monitoring and more.

*Credit score is calculated based on FICO® Score 8 model, unless otherwise noted. In addition to the FICO® Score 8, we may offer and provide other base or industry-specific FICO® Scores (such as FICO® Auto Scores and FICO® Bankcard Scores). Your lender or insurer may use a different FICO® Score than FICO® Score 8 or such other base or industry-specific FICO® Score (if available), or another type of credit score altogether. Learn more.

Opening a digital checking account through Experian takes only a few minutes on Experian.com or through your Experian app. You’ll need to verify some personal info like your name, phone number, physical address and email address so we can confirm you’re eligible to open an accountӂ.

Every Experian Smart Money™ Digital Checking Account is FDIC insured, which means your money is held in a pooled account at CFSB and insured up to $250,000 for each account ownership category.§ Learn more on the FDIC website.

As soon as you open your digital checking account, you’ll get a virtual debit card. Deposit money and add your card to your digital wallet to start using it immediately with contactless tap to pay. You can also request a physical debit card for free once you’ve deposited money into your account.

There are 3 ways to deposit money into your digital checking account:

  • Set up direct deposit
  • Transfer from your other bank accounts
  • Deposit cash at popular retailers including CVS Pharmacy, 7-Eleven and Walmart#

There are no monthly fees, and no minimum balance required to open an Experian Smart Money™ Digital Checking Account. Generally, we don’t charge you any fees to move money in or out of your account, set up direct deposit, make transfers or pay bills. There are fees to deposit cash, make foreign transactions and get cash at out-of-network ATMs. See the Cardholder Agreement for applicable fees.

Bills you pay with your Experian Smart Money™ Digital Checking Account could actually help raise your credit scores! Your account is automatically connected to Experian Boost®, which could help you get credit for some of the bills you already pay.

Otherwise, opening a checking account generally has no impact on your credit scores. Purchases made through your account and the amount of money in it also don’t affect your scores.

The Experian Smart Money™ Debit Card is issued by Community Federal Savings Bank (CFSB), pursuant to a license from Mastercard International. Banking services provided by CFSB, Member FDIC. Experian is a Program Manager, not a bank.

§Funds in your Experian Smart Money™ Digital Checking Account are held in a pooled deposit account at Community Federal Savings Bank and insured up to $250,000 for each account ownership category. Learn more at FDIC.gov.

ӂThe Experian Smart Money™ Digital Checking Account is only available to residents of U.S. states and the District of Columbia.

øResults will vary. Not all payments are boost-eligible. Some users may not receive an improved score or approval odds. Not all lenders use Experian credit files, and not all lenders use scores impacted by Experian Boost®. Learn more.

‡To be eligible for the $50 bonus, your Experian Smart Money™ Digital Checking Account must be credited with at least $1,000 in direct deposits within 45 business days of opening your account, and your account must stay active and in good standing at the time the bonus is paid. The bonus will be deposited into your account within 10 business days, once earned. Limit 1 bonus per cardholder. Offer subject to change by Experian at any time without prior notice. Terms and conditions apply. See the Incentives section in the Cardholder Agreement to learn more.

†Early access to your direct deposit depends on the timing of receipt of the incoming direct deposit file. We generally make direct deposits available up to 2 days earlier than the payment date specified in the direct deposit file. Early availability of direct deposits is not guaranteed and may vary from deposit to deposit. Daily and monthly deposit limits apply. See Cardholder Agreement.

**Access to over 55,000 surcharge-free ATMs with the Allpoint ATM network. You may be charged a fee for attempting a cash withdrawal with an out-of-network ATM or point-of-sale device by Experian and/or the operator including for a balance inquiry even if you do not complete a cash withdrawal. Learn more.

#Limits apply. See Cardholder Agreement.

1Benefits are subject to terms, conditions and limitations, including limitations on the amount of coverage. Benefits are provided by Mastercard® and its partners, not Experian. Insurance benefits are provided by New Hampshire Insurance Company, an AIG company, New York, NY. Non-insurance benefits are provided by AIG Warranty Guard, Inc., an AIG company. Benefits provide secondary coverage only. Experian does not accept or assume any responsibility or liability for any obligations, acts, or omissions of Mastercard® or any of its affiliates, agents, partners or independent contractors in connection with Smart Coverage benefits. Please click for more information on your Mastercard® Guide to Benefits.

Mastercard and the circles design are registered trademarks of Mastercard International Incorporated.

See the Experian Smart Money™ Digital Checking Account & Debit Card Agreement.