Dave Disclosures

Designed by Dave, not a bank. Evolve Bank & Trust, Member FDIC, holds all deposits and issues the Dave Debit Card, pursuant to a license from Mastercard®.

General Terms

Account Disclaimer
Dave Spending Account For a complete list of terms and fees for Dave Banking see the Deposit Account Agreement.
Dave Goals Account For a complete list of terms and fees for the Goals account, see the Goals Account Agreement.
Dave Extra Cash Account For a complete list of terms and fees for the Extra Cash account, see the Extra Cash Account Agreement.

Disclosures related to the Dave Extra Cash Account

Service Disclosure
Up to $500 ExtraCash™ Advances The ExtraCash™ DDA account with overdraft utility is open to new members only subject to availability and eligibility. Taking an ExtraCash™ advance will make your account balance negative. See the Extra Cash Account Agreement for more details.
Instant Delivery Dave charges an express delivery fee based on how much money you advance with ExtraCash™. Express delivery fees range from $0.99-$6.99 for instant transfers to a Dave Spending account and $2.99-$11.99 for instant transfers to an external debit card. For a more detailed breakdown on Dave’s express delivery fees, visit the fee schedule table in the Extra Cash Account Agreement.
ExtraCash™ Advance Settlement Dave attempts to schedule your settlement date on the date of your next paycheck.

If no direct deposit is detected, the settlement date will be set for the nearest Friday. This may result in a scheduled settlement less than 24 hours from when you take your advance.

Disclosures related to the Dave App

Service Disclosure
Early Payday Early access to direct deposit funds depends on timing and availability of the payroll files sent from your employer. These funds can be made available up to 2 days in advance.
No ATM Fees No ATM fees within Dave’s network of 32,000+ ATMs. Out of network fees apply. The Dave debit Mastercard® is accepted everywhere a Mastercard debit card is accepted. Foreign transaction fees apply.