Evolve Bank & Trust, Member FDIC, provides deposit accounts and issues the Dave Debit Card through a license from Mastercard®.

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¹ 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.

² Rates 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.

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

⁴ Deposit account funds are insured through Evolve Bank & Trust, Member FDIC, 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 Evolve. For more information regarding these conditions, see here.

⁵ Out-of-network fees may apply.

⁶ A 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.

⁷ Ingo Money is a service 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.

⁸ Deposit accounts are provided by a partner bank, which is FDIC-insured, identified in the account agreement. 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.