Deposits · August 2026
MoneyLion welcomes AI traffic but keeps its routing number hidden
An AI agent ran five ordinary deposits tasks on the public pages of MoneyLion and scored what each page delivered.
Run 6 August 2026 · five tasks · public pages, logged out · Fintech
53/100
Mystery Agent score
Deposits · rank 18 of 25
Savings rate
55Partly served
Checking comparison
88Served as text
Fee schedule
88Served as PDF
Routing number
18Arrives after scripts
Application page
18Arrives after scripts
Summary
- MoneyLion's robots.txt states an explicit welcome for AI training, search, and AI input traffic, unusually direct language for a financial site.
- MoneyLion's agent index organizes checking, banking, cash advance, credit builder, and investing links into a clear, working hub page.
- An AI agent read an itemized fee schedule in the DDA Terms and Conditions PDF, naming figures for ATM use and transfers.
- Publishing the routing number as visible text on the Customer Center page, as the fee schedule already does, would answer the question.
Task by task
Each task is scored out of 100 on completion, answer quality and how directly the answer was reached. Each note describes what the page delivered, with a link to the page the answer was found on.
Task 01Savings ratePartly served55 out of 100
MoneyLion's savings rate lives inside the One membership page rather than on its own branded page, stating a 3.64% APY savings feature marked as coming soon.
Task 02Checking comparisonServed as text88 out of 100
MoneyLion Spend, the base checking account, carries a $0 fee with no minimum balance, while the One membership layered on the same account adds cash back, fee-free investing, and a savings feature once a member qualifies.
Task 03Fee scheduleServed as PDF88 out of 100
The Demand Deposit Account Terms and Conditions PDF opens with a labeled Fee Schedule table naming exact figures for ATM withdrawals, transfers, expedited card shipping, and bill pay in one itemized document.
Task 04Routing numberArrives after scripts18 out of 100
A customer center FAQ confirms that a nine-digit routing number applies to every MoneyLion Spend account and directs a reader to find the actual digits inside the mobile app rather than printing them on the page.
Task 05Application pageArrives after scripts18 out of 100
The Join MoneyLion Spend link leads through a redirect to a sign up page that serves a loading spinner and its own title as the only visible text, with the account fields set to load through a script.
Your routing number, nine digits, is the same for all MoneyLion Spend accounts.
The application page
What the account opening page states to a reader that runs no scripts.
5,461Bytes delivered
29Characters of visible text
0Form fields in the first response
After scripts runWhat an applicant needs
Strengths and opportunities
What is working
- llms.txt is genuinely useful: a compact, current, agent-facing index that links to real, working product pages rather than marketing filler.
- The full deposit account fee schedule is published as a clean, itemized, downloadable PDF with no values hidden behind scripts, easy for a script or an agent to parse in one pass.
- robots.txt states Content-Signal: ai-train=yes, ai-input=yes, search=yes, an explicit and unusually direct welcome for agent and AI traffic rather than a restrictive policy.
Opportunities
- Publish the account routing number as visible text on the Customer Center page or a short FAQ, the same way the fee schedule already is, so an agent does not have to tell a depositor to open the mobile app just to find nine digits.
- Serve a lightweight, server-rendered version of the account-opening page so an agent reading HTML can see the disclosed requirements (SSN, ID, funding source, eligibility) before a person is asked to download an app.
- The 3.64% APY figure for MoneyLion Save is already written into the /one page marketing copy. Once that account leaves 'coming soon' status, giving it its own citable product page would turn a promising number into a fully reportable rate.
- Label the /savings-accounts and /checking-accounts pages clearly as educational marketplace comparisons versus MoneyLion's own accounts, so an agent does not have to cross-check three pages to learn which numbers belong to MoneyLion itself.
Access
Every page the agent requested was delivered on the first attempt. An llms.txt file is published, which gives agent traffic a documented entry point.
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