A digital checking account that helps you build creditø
Introducing the Experian Smart Money™ Digital Checking Account and Debit Card, designed by credit experts.
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.
No monthly fees¶
Enjoy $0 in monthly fees. Plus, there’s no minimum balance required.
Secure and FDIC insured§
Have peace of mind with coverage of up to $250,000.
Earn a $50 bonus‡
Get a $50 bonus when you set up direct deposit.
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
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.†
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.¶
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#
Get started with your account
Frequently asked questions
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.
Mastercard and the circles design are registered trademarks of Mastercard International Incorporated.
¶See the Experian Smart Money™ Digital Checking Account & Debit Card Agreement.