Mission

Build products that level the financial playing field!

Founding story

Dave is the finance version of David vs. Goliath. Three friends were fed up with their banking experience, often incurring $38 overdraft fees and never having insights into how much money was left before payday.

With customer loyalty at big banks at an all time low, they figured building the next great financial institution, one that could service 99% of Americans, not just the 1%, was the right idea for the times.

Instead of building a bank right away, they started with solving for simple pain points like overdraft protection and automated budgeting to amass millions of loyal members.

Today, Dave has reinvented many other areas of finance, from no-interest cash advances, income creation, un-bounceable checks and more to truly take on goliath.

Outsmart overdrafts

Our first product helps you outsmart overdrafts because we think it's fundamentally wrong to kick people when they're down. A coffee should never end up costing you $38 after bank fees.

Banks make billions.

Americans paid up to $12.4 billion in overdraft fees to big banks in 2020.¹

1 in 6 overdraft

In 2020, 16% of households overdrafted at least once. For some, it’s a persistent pain point: 8% of people had more than 10 overdrafts.²

Dave’s Values

Our values serve as a compass guiding who we are, how we work, and what we aspire toward — a reflection of the beary important things we know a high performing team should be.

We care deeply about our members.

We seek to address the wants and needs of the people we serve by having empathy, gathering their perspectives, and anticipating their reactions to the decisions we make. By putting our members first, we create a quality product that our members deserve and that we proudly stand behind.

Being helpful is part of our DNA.

We are quick to lend a virtual hand, offer support, and uplift one another while also providing a perspective that is constructive when the situation calls for it. Helpfulness extends beyond our four walls because we believe if one of us succeeds, we all do.

We are open, honest, and straightforward.

We proactively share information in a way that provides context, creates alignment, and enables the team to do their best work wherever that may be. Being thoughtful and intentional is key to developing the high performing team we are and strive to be.

We don't give up when things get challenging.

We are accountable to each other and proactively look for ways to improve and solve challenges. Our members and team deserve the best of us, so we find better ways to deliver exceptional results, never settling for the status quo.

Opportunity exists for everyone at Dave.

We are committed to creating an environment where all Daves feel valued, heard, and empowered to do their best work. This fuels innovation, deepens relationships, and helps to build an inclusive product that delivers on our vision.