Dave Disclosures

Last update October 28, 2024

Dave is a technology company, not a bank. Evolve Bank & Trust, Member FDIC, provides deposit accounts and issues the Dave Debit Card through a license from Mastercard®.

General Terms

Account	Disclaimer
Dave Checking Account	See the Dave Checking Deposit Agreement and Disclosures for account terms and fees.
Dave Goals Account	See the Dave Goals Deposit Agreement and Disclosures for account terms and fees.
Dave ExtraCash™ Account	See the Dave ExtraCash™ Deposit Agreement and Disclosures for account terms and fees.

Disclosures related to the Dave Extra Cash Account

Service	Disclosure
Up to $500 ExtraCash™ Advances within 5 minutes or less	Deposit accounts are provided by Evolve Bank & Trust, Member FDIC. The bank will determine overdraft eligibility considering factors such as your transaction and deposit history. Overdrafts cause the ExtraCash Account to have a negative balance, repaid under the account Balance Settlement feature, and may include service and/or express fees. See your Fee Schedule for details. Maximum single advance transfer amounts may apply. The average advance is $170 (updated quarterly based on the prior 6 months). See the Dave ExtraCash™ Deposit Agreement and Disclosures for details. Enrollment and initial qualification typically completed in 5 minutes.
Express Delivery	Express fees apply to select instant transfers.

Service

Disclosure

Up to $500 ExtraCash™ Advances within 5 minutes or less

Deposit accounts are provided by Evolve Bank & Trust, Member FDIC. The bank will determine overdraft eligibility considering factors such as your transaction and deposit history. Overdrafts cause the ExtraCash Account to have a negative balance, repaid under the account Balance Settlement feature, and may include service and/or express fees. See your Fee Schedule for details. Maximum single advance transfer amounts may apply. The average advance is $170 (updated quarterly based on the prior 6 months). See the Dave ExtraCash™ Deposit Agreement and Disclosures for details. Enrollment and initial qualification typically completed in 5 minutes.

Express Delivery

Express fees apply to select instant transfers.

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	No ATM fees within Dave’s network of 38,700+ ATMs. Out of network fees apply. The Dave debit Mastercard® is accepted everywhere a Mastercard debit card is accepted. Foreign transaction fees 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.