MoneyLion

MoneyLion is a New York consumer-finance app. It is not a bank. Spend / RoarMoney sits at Pathward, N.A., Member FDIC, partnership extended to 2029. Credit Reserve is explicitly not FDIC. Instacash is credit. Ally, SoFi and Varo remain the US salary banks. Use this as a debit-plus-credit loop if you already understand the difference. Do not treat Instacash as a deposit.

Founded 2013, SPAC-era NYSE ticker, later Gen Digital adjacency on some tiles — confirm the live parent. Directories dump it next to Chime. Chime is Bancorp and Stride. This is Pathward plus a lending marketplace.

MoneyLion lists Fintech. MoneyLion. Not a bank. Spend account at Pathward, N.A., Member FDIC under FDIC (partner) / state lending in United States. On safeguarding we currently write: MoneyLion is not FDIC-insured. Eligible Spend / RoarMoney balances sit at Pathward, N.A., Member FDIC, up to $250,000 if pass-through holds. Credit Reserve and lending SKUs are not deposits.. Holder / issuer line: Pathward, N.A.. An AML programme is claimed. There is no IBAN-class local rail on the flags we store. We list 1 live markets on the product. As we score the sticker: monthly Free with qualifying direct deposit; otherwise product-priced — confirm live; FX Not a travel specialist; ATM Network / plan. This desk would open it for: US consumers who want a Pathward debit plus credit tools and already keep a second FDIC salary account.

What it does well: Named Pathward, N.A. on the legal copy; Partnership extended to 2029; Honest ‘not a bank’ footer. What to watch: Not a bank; Lending SKUs are the growth loop; Instacash is not FDIC. Desk score 6.3 / 10 (safety 6.2, fees 6.6, features 7.8, app 8.0). Last verified 2026-08-30. Headquartered in New York, United States; founded 2013. None of this is advice — it is a file so you can read the entity before the card colour.