(New) Round Up your purchases

Spend on your terms with Dave Checking

Be in control of how you spend and manage your money.

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Choose how you pay

Every Checking account comes with a digital Dave Debit Mastercard® that you can use right away through Apple Pay® or Google Pay™. Want a card you can carry in your wallet? Request a physical card at any time.

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Get perks at no extra cost
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Stop waiting for payday with Direct Deposit

Get your paycheck up to 2 days early.1 It’s your money, we’re just helping you get it faster.

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Earn 4.00% APY effortlessly

Big news: Dave Checking now has a 4.00% annual percentage yield (APY). That gives you the power to earn interest and grow your wealth just by keeping money in the account.2 (Psst! The national average for checking accounts is just 0.08%.3)

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Save while you spend with Round Up

Grow your savings by rounding up your Checking purchases. You set the Goal, we do the heavy lifting.

Rest easy with top-tier security

You hustle for your money, and we know you want to keep your hard-earned dollars safe. That’s why each Checking account is FDIC-insured up to $250K through Evolve Bank & Trust, Member FDIC, or another partner bank. Conditions apply.4

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Banking built for you

Open an account from your phone

Sign up for a Dave Checking account through the app in minutes. No bank branches, no lines.

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Stop paying ATM fees at places you shop

Go fee-free at 40K+ MoneyPass® ATMs in 7-Eleven and other spots near you.5

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Take the guesswork out of your budget

Always know how much you have left to spend after covering your bills with our smart budgeting feature.

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Free yourself from hidden fees

You work too hard for your money to spend it on minimum balance fees or account closing fees. With Dave Checking, you don’t have to pay them because we don’t have them.

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Give yourself options for adding cash

  • Direct deposit your paychecks
  • Make one-time or recurring transfers with ACH, Apple Pay®, or Google Pay™
  • Deposit cash at CVS, Walgreens, and 90K other stores6
  • Cash a check in the Dave app7
  • Spend ExtraCash™ up to $500 instantly when you transfer to Dave Checking8

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Get Dave Checking

Better manage your money, get paid up to 2 days early,1 earn 4.00% APY.2

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Got questions?

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Dave is not a bank. © 2025 Dave Operating LLC. All Rights Reserved.

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Evolve Bank & Trust, Member FDIC or another partner bank provides deposit accounts and issues the Dave Debit Card under a license from Mastercard.®

All trademarks and brand names belong to their respective owners and do not represent endorsements of any kind.

1Early 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.

2Rates accurate as of 10/1/2024. 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.

3Data as of September 16, 2024 from the FDIC’s National Rates and Rate Caps

4Deposit account funds are insured through Evolve Bank & Trust, Member FDIC, or another partner bank, on a pass-through basis up to $250,000. Conditions must be met to qualify for this insurance, which only protects against the failure of the bank where the account(s) is held. For more information regarding these conditions, see here.

5Out of network fees may apply.

6A retail service fee (up to $4.95) applies at cash reload locations. Deposit and card balance limits apply. Active personalized card required. Keep your receipts as proof of your deposit. Funds are generally available within 10 to 30 minutes.

7Ingo Money is a service is provided by Sunrise Banks, N.A. and Ingo Money, Inc., subject to the Sunrise Banks and Ingo Money service Terms & Conditions, the Ingo Money Privacy Policy and the Sunrise Banks, N.A. Privacy Policy. Approval review usually takes 3 to 5 minutes but can take up to one hour. All checks are subject to approval for funding in Ingo Money’s sole discretion. Fees apply for approved Money in Minutes transactions funded to your card or account. Unapproved checks will not be funded to your card or account. Ingo Money reserves the right to recover losses resulting from illegal or fraudulent use of the Ingo Money Service. Your wireless carrier may charge a fee for data usage. Additional transaction fees, costs, terms and conditions may be associated with the funding and use of your card or account. See your Deposit Account Agreement for details. Ingo Money service is not available for use within the state of New York.

8Dave is not a bank. Banking services provided by Evolve Bank and Trust, Member FDIC, or another partner bank, which issues the Dave Debit Card through a license from Mastercard®. ExtraCash amounts range from $25-$500, typically approved in 5 min, 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.