Dave Disclosures

Last update April 7, 2025

Dave is not a bank. Evolve Bank & Trust, Member FDIC, or another partner bank, provides deposit accounts and issues the Dave Debit Card through 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	Dave is not a bank. Banking services provided by Evolve Bank & Trust, Member FDIC, or another partner bank, which issues the Dave Debit Card under a license from Mastercard®. 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

Dave is not a bank. Banking services provided by Evolve Bank & Trust, Member FDIC, or another partner bank, which issues the Dave Debit Card under a license from Mastercard®. 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
4% Annual Percentage Yield	Rates accurate as of 10/01/2024. The interest rates and annual percentage yields (APY) are variable and may change at any time at our discretion. No minimum deposit or minimum balance requirements. Fees could reduce earnings on the account.
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 Goals account

Service	Disclosure
4% Annual Percentage Yield	Rates accurate as of 10/01/2024. The interest rates and annual percentage yields (APY) are variable and may change at any time at our discretion. No minimum deposit or minimum balance requirements. Fees could reduce earnings on the account.