Join a Mobile Banking App With No Overdraft Fees l Dave

Making finances easier

Dave is a banking app on a mission to build products that level the financial playing field™.

Taking on big banks

Fighting for the underdog

We started Dave for one reason: banking hadn’t changed in decades¹, and we knew we deserved better. Like David slaying Goliath, we set out to challenge the old ways of managing money and make financial security more accessible to all.

Lowering costs for members

We believe basic banking should be free. With mobile-first banking as our foundation, we keep costs low—for our 10M+² members and ourselves—by employing best-in-class scalable tech, strong word-of-mouth marketing, and a lean team of 300. So instead of charging members unnecessary fees when they’re in a pinch, we spot them the money they need for less. Why? Because it’s the right thing to do.

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Investing in technology

For customers, we’re a trusted neobank. But we’re also a technology company at heart. Our singular approach to data and underwriting is what sets us and our services apart.

Making banking more custom

Big banks are stuck in their ways, which ultimately hurts customers. Rather than evolve to meet members’ needs, they use decades’ old, one-size-fits-all tactics that are leaving Americans behind and amplifying income inequality. Take credit limits: Banks look at a snapshot of someone’s finances, like their FICO score, to assign them a one-and-done amount. But we know there’s so much more to our members’ financial health.

Introducing CashAI™

CashAI™ is our proprietary AI underwriting model that analyzes cash flow, not credit scores, to determine our members’ ExtraCash™ eligibility every time they need more money. Highly dynamic and personalized, CashAI™ looks at 180+ different data points, including members’ income, irregular employment, bank balance, spending patterns, and history with Dave.

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Helping members with DaveGPT

DaveGPT, our generative AI assistant, provides real-time support to members right through the app. More conversational than a chatbot, DaveGPT can answer questions, set up direct deposits, manage ExtraCash™ accounts, and more—with an 82% resolution rate.

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Features that work for you

Because we keep our operating costs low, we give our 12.1M members features that work as hard as they do: ExtraCash™ up to $500³, goal tracking, and simple ways to find Side Hustles when they’re behind on their budget.

Discover our full product suite

There’s more to Dave than ExtraCash™. We’re building products that big banks won’t, including many first-to-market products inspired directly by our members’ feedback.