Credit Karma and MVB Bank are separate corporate entities, though they maintain a close operational and financial partnership. Credit Karma is a consumer technology platform owned by Intuit that provides credit monitoring, financial tracking, and digital tools. MVB Bank is an actual FDIC-insured chartered financial institution that serves as one of the primary issuing partner banks behind Credit Karma's financial products. When users access certain deposit or cash features through the Credit Karma platform, MVB Bank often acts as the underlying institution holding those funds and issuing associated payment cards. This relationship allows a technology company like Credit Karma to deliver banking-like features while remaining legally compliant through a regulated banking partner. Despite working closely together to power these consumer financial features, their corporate structures, leadership teams, and primary business models remain entirely distinct from one another.