Free yourself from hidden fees

You work too hard for your money to spend it on fees. That’s why we give you banking with no overdraft fees, no minimum deposits, and no hidden fees.

Finally, the power to say “no”

To unnecessary fees, that is. We believe that these no’s can give you the financial freedom for a lot more yes.

No overdraft fees

There’s no time for kicking people when they’re down. Ever. So when you choose Dave, count on no overdraft fees banks often charge.

No late fees

Everyone deserves another chance. If you can’t settle an ExtraCash™ advance on time, we won't ding you with interest or late fees.

No minimum balance fees

You don’t have to worry about keeping a certain amount of money in your Dave Spending account. Just fund it your way, on your own time.

No ATM fees at 38K+ MoneyPass ATMs

Dodging withdrawal fees is easier than you think. You can go fee-free at 38K+ MoneyPass® ATMs in 7-Eleven and other places near you.¹

Get full access to Dave for a small fee

Our small monthly membership fee unlocks everything the app has to offer.

What you can do with your membership

  • Monitor your external account balances
  • Get overdraft and low-balance notifications
  • Find a Side Hustle

Dave card against a striped shirt

Tips are always optional

When you take an ExtraCash™ advance, you can leave a tip to say thanks. A portion helps Dave continue to offer advances without charging hefty interest—and the rest helps provide meals through Feeding America. (Members have helped donate 163M meals to date.2) Tipping is completely optional and won’t impact your advance eligibility or approval amount.

people at meal

Get your money fee free

When it comes to transfer fees, you can get your ExtraCash™ advance in 2–3 business days fee free—or pay an express fee up to 5%.3

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Designed by Dave, not a bank. ©2024 Dave, Inc.

Evolve Bank & Trust, Member FDIC, provides all banking services and issues the Dave Debit Card, pursuant to a license from Mastercard®.

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

1Out of network fees may apply. 

2As of January, 2024. Data is calculated as 10 meals pledged per dollar donated, which is currently $0.10 for every percentage tipped. 

3Evolve Bank and Trust, Member FDIC, provides the ExtraCash account. Advances are subject to eligibility requirements, and are provided as an overdraft, which causes the ExtraCash account to have a negative balance. Express fees apply to instant transfers to a Dave Spending Account. Transfers to other accounts will take longer. The average approved advance is $160 (typically approved in 5 min), updated quarterly based on the prior 6 months. See the Dave ExtraCash™ Deposit Agreement and Disclosures for details.