Dave Disclosures

Last update April 2, 2026

Dave is not a bank. Banking services provided by Coastal Community Bank, Member FDIC. The Dave Debit Card and Dave Flex™ card are issued under a license from Mastercard®.

Important Membership Details

The Dave Membership fee is a monthly fee up to $5 for ExtraCash®, Income Opportunity Services, and Financial Management Services. It renews monthly on the same date that you start your membership. This fee will continue to be billed until you cancel or change your membership. The Dave Membership can be canceled anytime by visiting the in-app membership settings. To learn more about the Dave Membership, visit dave.com/dave-membership.

Disclosures related to the Dave ExtraCash account

Service	Disclosure
Up to $500 in 5 minutes or less	ExtraCash amounts range from $25-$500, typically approved within 5 minutes, with an overdraft fee equal to the greater of $5 or 5%. Multiple overdrafts may be required. Not all members qualify for ExtraCash and few qualify for $500. ExtraCash is repayable on demand. Must open an ExtraCash overdraft deposit account and Dave Checking account. Up to $5 monthly membership fee for ExtraCash, Income Opportunity Services, and Financial Management Services. Optional 1.5% fee for external debit card transfers See dave.com.
Express Delivery	Express fees apply to select instant transfers. See your fee schedule in-app for details.

Service

Disclosure

Up to $500 in 5 minutes or less

ExtraCash amounts range from $25-$500, typically approved within 5 minutes, with an overdraft fee equal to the greater of $5 or 5%. Multiple overdrafts may be required. Not all members qualify for ExtraCash and few qualify for $500. ExtraCash is repayable on demand. Must open an ExtraCash overdraft deposit account and Dave Checking account. Up to $5 monthly membership fee for ExtraCash, Income Opportunity Services, and Financial Management Services. Optional 1.5% fee for external debit card transfers See dave.com.

Express Delivery

Express fees apply to select instant transfers. See your fee schedule in-app for details.

Disclosures related to the Dave Checking account

Service	Disclosure
Early Payday	Early access to direct deposit funds depends on timing and availability of the payroll files sent from the payer. These funds can be available up to 2 business days in advance of the scheduled payment date.
No ATM Fees	ATM withdrawals are fee-free at 40k+ MoneyPass® ATMs. See https://www.moneypass.com/atm-locator.html to find locations in your area. Out of network fees may apply.

Disclosures related to the Dave Flex card account

Service	Disclosure
Up to $1,000 with the Dave Flex card	Available spending power for new accounts ranges from $400-$1000, with few members qualifying for the max. Required participation fee applied monthly and 3% installment fee, based on the total credit transactions during each purchase period. See account terms for fee information. For example, spending $600 during a purchase period would have an $18 installment fee and be repaid in 4 biweekly installments of $154.50, for a 43% estimated APR. APR based on using full spending power by the midpoint of the statement period.
Up to 2X the spending power of ExtraCash	Based on the maximum ExtraCash limit of $500, subject to bank’s discretion. See terms here.

Service

Disclosure

Up to $1,000 with the Dave Flex card

Available spending power for new accounts ranges from $400-$1000, with few members qualifying for the max. Required participation fee applied monthly and 3% installment fee, based on the total credit transactions during each purchase period. See account terms for fee information. For example, spending $600 during a purchase period would have an $18 installment fee and be repaid in 4 biweekly installments of $154.50, for a 43% estimated APR. APR based on using full spending power by the midpoint of the statement period.

Up to 2X the spending power of ExtraCash

Based on the maximum ExtraCash limit of $500, subject to bank’s discretion. See terms here.