Dave Mobile Banking App

Features of Dave Mobile Banking App

1. Instant Cash Advances: Dave offers users the capacity to get cash advances up to $500 without hobby or credit score assessments, assisting to cover unexpected fees.
2. Predictive Alerts: The app gives predictive indicators to inform customers approximately upcoming fees, supporting them in staying on track with their budget and keeping away from overdrafts.
3. Budgeting Tools: Dave consists of budgeting tools that enable users to set spending limits, tune charges, and manipulate their money correctly.
4. Fee-Free ATM Access: Users can get entry to price-unfastened ATMs through Dave’s community, saving on ATM withdrawal expenses.
5. Banking Services: The app offers conventional banking services like checking account management, bill bills, and direct deposits.
6. Security Features: Dave prioritizes protection with capabilities like biometric login authentication and encryption to guard consumer records.
7. Credit Building: Users can opt into Dave’s credit building application, which reviews their lease and software bills to credit score bureaus, assisting improve their credit rating.
8. Financial Insights: The app offers insights and tips primarily based on customers’ spending conduct, providing customized monetary advice.
9. Customer Support: Dave gives customer service to help users with any questions or troubles they may stumble upon even when using the app.

ExtraCash: Get Up to $500 Quickly and Easily

Fast Cash When You Need It

• With ExtraCash, you could stand up to $500 in just 5 mins. No credit score check is wanted and no late fee.
• Just download the Dave Mobile Banking App, link your bank account, and get the money sent to your Dave Spending account.

Why Use ExtraCash?

Sometimes you want extra cash for such things as rent, payments, or fuel. ExtraCash™ gives you an interest-loose advance that will help you out.

How People Use ExtraCash

Millions of people use ExtraCash™. Since 2017, Dave has helped members avoid over $2.5 billion in overdraft fees.

How ExtraCash Works

1. Sign Up Fast: Sign up in minutes and see how much you can get without a credit check.
2. Get Up to $500: Choose how much money you need, up to $500.
3. Spend It Now: For a small fee, get your money instantly in your Dave Spending account or in about an hour on a different debit card.
4. Pay Back Later: Pick a date to pay back the advance. No interest or late fees, so no surprises.

Helping Others

You can leave a tip when you take an advance. Tips help run ExtraCash™ and support Feeding America. Dave members have donated over 108 million meals.

Easy, Stress-Free Money

ExtraCash™ gives you money quickly without interest, late fees, or hidden costs.

Spending Account

Save While You Spend: Round Up Your Purchases

• Every time you shop, the Dave Mobile Banking App can round the money to the nearest dollar to save you extra change.
• For example, if you buy a coffee for $2.75, Dave will charge $3.00 and save you $0.25.
• You set savings goals, and Dave helps you reach them by saving small amounts over time.

Flexible Spending: No Overdraft or Minimum Deposit Fees

• With the Dave Mobile Banking App, you may not be charged if you accidentally spend more than you have (no overdraft expenses).
• There are no minimum deposit necessities to open or keep your account.
• You have full control over how you control and use your cash.

Easy Payment Options: Instant Digital Card

• When you open a Dave Spending account, you immediately get a digital Dave Debit Mastercard®.
• You can begin the use of this card properly away through Apple Pay® or Google Pay™ on your phone.
• If you opt for a bodily card, you can request one anytime, and it will be mailed to you.

Get Paid Sooner: Early Paycheck Access

• Set up Direct Deposit with Dave Mobile Banking App, and you may acquire your paycheck up to two days earlier than your traditional payday.
• This means you get get right of entry to your money faster with no greater effort.

Earn Interest: 4.00% APY on Your Balance

• Dave Mobile Banking App gives a high annual percent yield (APY) of four.00% of the cash you keep in your Spending account.
• This is a good deal higher than the country-wide average for checking bills, which is simply 0.08%.
• By surely retaining cash in your Dave account, you could grow your financial savings appreciably over time.

Secure Banking:

FDIC-Insured Protection

• Your cash in a Dave Mobile Banking App Spending account is insured for up to $250,000 through Evolve Bank Trust, which is a member of the FDIC.

Easy Account Setup: Sign Up From Your Phone

• You can open a Dave Spending account in just a few minutes with the usage of the Dave Mobile Banking App on your cellphone.
• There’s no want to go to a financial institution department or stand in line.

Fee-Free ATMs: Access 38K+ ATMs Without Fees

• Dave Mobile Banking App has partnered with MoneyPass® to provide you with get right of entry to over 38,000 ATMs.
• You can withdraw cash from these ATMs, frequently placed in places like 7-Eleven, without paying any costs.

Simple Budgeting: Smart Budgeting Tools

• Dave’s budgeting function helps you continually realize how a whole lot cash you have left to spend after paying your payments.
• This makes it easier to control your finances and keep away from overspending.

No Hidden Fees: Keep More of Your Money

• Dave doesn’t rate charges for overdrafts, minimal deposits, or remaining your account.
• You get to keep more of your hard-earned money without worrying about unexpected charges.

Multiple Ways to Add Cash: Flexible Deposit Options

• You can add money to your Dave Mobile Banking App account in several ways:
• Direct deposit your paycheck directly into your Dave account.
• Make one-time or ordinary transfers via ACH, Apple Pay®, or Google Pay™.
• Deposit coins at over 90,000 stores like CVS and Walgreens.
• Use the Dave app to cash checks.
• Access ExtraCash™ advances of up to $500 instantly if you need extra money.

Manage Your Money Better

• Sign up for a Dave Mobile Banking App Spending account to enjoy all these benefits: getting paid early, earning 4.00% APY, and experiencing fee-free banking.
• Download the Dave app and open your account today to take control of your finances easily and securely.

Goal-Account

Effortless Savings with Goals: Achieve Your Savings Targets

• Whether you’re saving for a down fee on a house, building an emergency fund, or planning for a brighter future, the Goals account is here to assist.
• You set your own financial savings goal and timeline, and we’ll provide the gear to keep you on course.

Personalized Savings: Make Your Goals Personal

• Each savings Goal you create is unique and personal to you.
• Name your Goal with something meaningful, like “Vacation Fund” or “New Car”, to stay motivated.
• Research shows that giving your Goal a name helps you stay focused and motivated to save.

No Hidden Fees: Skip the Fees

• With the Goals account, you don’t need to worry approximately hidden fees, minimum deposit requirements, or lengthy period commitments.
  It’s your money, so you can withdraw it whenever you need it without any consequences.

How to Start a Goal

1. Create It
   • Decide what you’re saving for, how much you need to save, and the date by which you want to attain your Goal.
   • For example, you would possibly set a Goal to keep $1,000 for a holiday via subsequent summertime
2. Fund It
   • Add money for your Goal at your pace. You could make one-time transfers each time you have more money.
   • Alternatively, install automated, ordinary deposits to help you reach your goal quicker. For example, you may decide to transfer $50 each payday.
3. Reach It

• • Track your progress in the app and watch as you get toward achieving your Goal.
  • Celebrate the milestones you hit alongside the manner, like reaching 25%, 50%, or 75% of your Goal.

Earn Interest: Grow Your Savings with 4.00% APY

• The Goals account offers an excessive annual percentage yield (APY) of 4.00%.
• This method you to earn interest just with the aid of preserving money in your Goals account, supporting your financial savings to develop quicker.
• In contrast, the countrywide average APY for checking money owed is at about 0.08%, so 4.00% is a great increase.

Save While You Spend

Automatic Savings with Round-Up

• If you’ve got a Dave Spending account, you may use the Round Up function to keep effects.
• Each time you make a purchase, the quantity is rounded as much as the closest dollar, and the spare alternate is automatically transferred to your selected Goal.
• For instance, in case you buy coffee for $2.75, it rounds up to $ 3.00, and $0.25 is saved in your Goal.

Must Read: Chime Bank Mobile App

Side-Hustle

Find Work Easily: 1,000+ Ways to Get Paid

• With the Dave app, you may explore over 1,000 distinct methods to earn money.
• Whether you want a quick gig or an extra solid component-time job, you can discover it right inside the app.

Instant Pay with Surveys: Get Paid for Answering Questions

• In 2022, Dave introduced a feature called Surveys.
• This feature pays you immediately for completing short questionnaires.
• The extra surveys you whole, the extra cash you earn.
• So some distance, Dave members have collectively earned over $1 million from Surveys.

Flexible Income Options: Take Control of Your Earnings

• Side Hustle is perfect in case you need extra money, are among jobs, or saving for something special.
• It enables you to locate paintings quickly and without difficulty, making it easier to earn cash whilst you want it.

Choose How You Earn: Variety of Job Types

• High-Paying Jobs: Some jobs can pay up to $37 according to the hour. These roles are splendid in case you want to maximize your earnings.
• Flexible Hours: If you need a job that fits around your timetable, look for flexible-hour positions.
• Part-Time Jobs: Ideal for those seeking out shorter shifts, typically 30 hours or less in step with the week.
• Gig Work: Find a contractor and freelance jobs that will let you paint on your terms. These are perfect if you prefer no longer to have a fixed timetable.
• Work from Home: Take advantage of the flexibility that comes with working remotely. These jobs permit you to earn money from everywhere.
• Seasonal Jobs: Available at some point at specific times of the year, these jobs are super when you have extra time to work at some point of certain seasons.
• Temporary Work: Short-term jobs that match your schedule, are perfect for brief, transient desires.

Why Use Side Hustle on Dave?

• Convenient: Find and follow for jobs directly out of your telephone.
• Variety: Choose from a wide variety of activities to suit your wishes and alternatives.
• Flexible: Work while and how you want, whether or not it’s domestic, part-time, or seasonal.
• Immediate Earnings: With immediate-pay options like Surveys, you may begin getting cash proper away.

Using the Side Hustle function in the Dave app, you have the ability and convenience to find the right painting possibilities that shape your lifestyle and monetary desires.

No Hidden Fees

We believe you should not need to pay useless prices for banking. That’s why Dave gives you:

Overdraft Fees- No

• We may not fee you for overdrawing your account. We’re right here to support you, now not upload for your monetary strain.

Late Fees- No

• If you cannot pay off an ExtraCash™ increase on time, we may not hit you with extra fees. Everyone merits a second hazard.

No Minimum Balance Fees

• There’s no need to keep a certain amount of money in your Dave Spending account. Fund it when it suits you.

No ATM Fees at 38K+ MoneyPass ATMs

• You can withdraw cash for free from thousands of MoneyPass® ATMs across the country, including those in 7-Eleven stores.

Unlock Full Access with a Small Fee

For a small monthly membership fee, you get access to all the features Dave has to offer, including:

• Monitoring your external account balances
• Overdraft and low-balance notifications
• Finding Side Hustles to earn extra money

Optional Tips to Help Others

• If you receive an ExtraCash™ advance, you can leave a tip. A portion of it helps Dave offer advances without charging high interest, while the rest supports providing meals through Feeding America.

Fee-Free Money Transfers

• You can get your ExtraCash™ advance without any transfer fees in 2–3 business days. Or, if you’re in a hurry, you can pay an express fee for faster processing.

Security Trust

Trust Our Top-Tier Security

We take your safety seriously and use various methods to protect you and your money:

FDIC Insurance

• Every account you open with Dave is subsidized through FDIC coverage, because of this your cash is blanketed up to $250,000 in case of financial institution failure.

24/7 Fraud Monitoring

• We keep an eye on your account around the clock for any symptoms of suspicious pastime.
• Whether it’s uncommon transactions, logins from unknown gadgets, or suspicious fees, we’ve got you protected.

Control Your Cards

• Receive live transaction alerts to stay informed about any potentially fraudulent activities.
• If you notice any unexpected charges, you can freeze, replace, or change the PIN on your Dave Debit Mastercard® right from the app.

Continuous Access to Your Cash

• Your Dave debit cards, both digital and physical, have different numbers.
• So, in case your physical card is lost or stolen, you can freeze it while nonetheless the usage of your virtual card without any interruption.

Support When You Need It

• Our team is available to help you each day from 6 am to 4 pm PT.
• If something occurs in your account, you can reach out to us via the app for assist and assist.

With Dave, you can bank with confidence understanding that we’re committed to keeping you and your money safe and stable.

Your Money is Protected

• Every Dave account is insured via the FDIC, as much as $250,000 through Evolve Bank

Always Watching for Fraud

• Our group maintains an eye fixed on your account 24/7 for any signs of unusual pastimes, logins from unknown devices, or suspicious prices.

Control Your Cards Easily

• Get live alerts for your transactions to catch any potential fraud early.
• If you see any unexpected charges, you can freeze, replace, or change the PIN on your Dave Debit Mastercard® right from the app.

Never Lose Access to Your Money

• Your digital and real Dave debit cards have distinct numbers.
• So, if your physical card is lost or stolen, you can still use your digital card without any problems.

Updating Your Account Information

If you’ve moved, got a new phone number, or changed your email, it’s important to update your details in the Dave app.

Why Update?

We use this info to send you codes, emails, and your Dave Debit Card.

How to Update:

1. Open the Dave app and tap on settings.
2. Select “Edit profile” (under your name).
3. Choose what you need to change.
4. Put in your new info.
5. Save it.

• Important Note: Make sure your address can get mail from USPS. We can’t use P.O. Boxes or business addresses.
• Notifications: You’ll get an email whenever you change something. It’ll include steps to confirm the change.

Resetting Your Password on the Dave App

If You Can Log In:

1. Go to your settings ⚙️ in the Dave app.
2. Tap “Edit Profile” (under your name).
3. Under “Account,” tap “Password.”
4. You’ll be forced to enter your old password for safety motives.
5. Next, enter and confirm your new password.

If You Can’t Log In:

1. From the login screen, tap “Need Help Logging in.”
2. You’ll see two options:
   • Option ①: Log in with a One-Time Link: If you pick this, a unique link could be sent to your electronic mail. Clicking on it’ll can help you log in while not having a password. If you don’t acquire the e-mail, it might be because the e-mail address isn’t always connected to your Dave account.
   • Option ②: Reset Password: Selecting this feature guides you through the procedure of resetting your password. You’ll want to verify your identity, commonly by using confirming your registered smartphone variety or e-mail.
3. If you’re still having trouble, you can contact the Dave Member Success team directly through the app. Just go to your settings, scroll down, and select “Chat with us.”

Quick and Secure Access with Face ID or Fingerprint

No More Remembering Passcodes

Instead of typing in a passcode each time you need to access your Dave app, you can now use your Face ID (when you have an iPhone) or fingerprint (if you have an Android tool) for quicker and simpler login.

Setting Up Biometric Login

Before using Face ID or fingerprint to log in, you will need to make sure that you’ve set up a biometric login for your cellphone settings. This generally involves stably registering your face or fingerprint to liberate your tool.

Enabling Face ID or Fingerprint in Dave App

• To activate Face ID or fingerprint login for your Dave app:
• Open your phone’s Settings ⚙️.
• Look for the Security settings section.
• Within this section, there should be an option to enable biometric authentication (often labeled as Face ID/Fingerprint).
• Toggle this option to turn it on.

Why Use Biometric Login?

• Convenience: It’s much quicker and easier to use Face ID or fingerprint rather than typing in a passcode each time you want to get entry to your Dave account.
• Security: Biometric authentication adds an extra layer of protection for your account, as simplest you can get admission to it together with your particular face or fingerprint.
• Efficiency: By doing away with the need to not forget and input a passcode, you can save time and trouble while logging into your Dave app.

Changing Your Name on Dave

To update your name on your Dave account, you’ll need to provide one of these accepted documents:

• Marriage certificate
• Certified copy of legal documentation

Once you have one of these documents, just get in touch with us, and we’ll assist you in updating your name on your Dave account.

Updating Your Income Info on Dave

When you replace your income information on Dave, it enables the app to apprehend your financial situation better. Here’s how it works:

• Recurring Deposits: Dave looks for a pattern in your regular deposits to understand your income. This helps in assessing your eligibility for ExtraCash™ advances and setting your repayment date when you take an advance.
• Advance Eligibility: You need at least three everyday deposits to qualify for an improvement. To qualify for a better-developed amount, intention for a total monthly deposit of $1,000 or more.
• Government Income: Dave accepts government income, like Social Security (SSI), as long as there’s a regular deposit pattern.

By keeping your income info updated, you can access more features and benefits from Dave while ensuring your financial needs are met.

Uploading Your ID for Verification

Sometimes, we’d ask you to take a picture of your authorities-issued ID to make certain your banking facts stay secure. Here’s what you want to recognize:

Accepted Documents:

• S. State-Issued ID
• S. Driver’s License
• S. Passport (sorry, foreign passports won’t work)
• S. Passport Card
• S. Military ID
• Native American Tribal ID
• Permanent Resident Card (Green Card)

Tips for Taking the Photo:

• Put your ID on a plain or dark background.
• Make sure the lighting is good and even. It’s important!
• Keep your phone steady while you snap the photo.

Important Note:

• Sometimes, blurry or poorly lit photos might not get verified. Follow the tips above and try again if needed.

Closing Your Dave Account

We’d love to hold you as part of Dave’s own family as we paint to make economic services fairer for anybody. However, if you decide to close your account, right here’s what you want to understand:

Before Closing Your Account:

• Make sure all your balances are settled.
• Transfer any remaining money from your Dave Spending or Goals accounts to your other bank accounts. If there’s any money left, we’ll send it to your mailing address via check.
• Download any tax documents or monthly statements you need from the app settings.

Download the App:

• Download the Dave app to your iOS or Android mobile.
• To access and control your account, use the app.

How to Close Your Account:

1. Open the Dave app and log in.
2. Go to settings (the gear icon).
3. Tap “Edit Profile” under your name.
4. Scroll down and tap “Close my Dave Account.”
5. Choose the reason for closing your account.
6. Confirm your decision to close your account.

After Your Account is Closed:

• You won’t be able to access your Dave accounts anymore.
• Your external bank account and any connected debit cards will be disconnected.
• Your Dave Debit Cards will be canceled. Make sure to destroy your physical card.
• You’ll receive a final monthly bank statement at the start of the next month.

How to Qualify for the Dave App’s ExtraCash Advance

Here’s an easy-to-understand version of how to qualify for the Dave App’s ExtraCash Advance:

1. Bank Account: You need to have a bank account that you’ve been the use of for at least 60 days.
2. Positive Balance: Your financial institution account has to have cash in it (high-quality stability).
3. Regular Deposits: You should have at least three normal deposits in your financial institution account.
4. Monthly Income: These deposits need to add as much as a minimum of $1,000 every month.

The Dave app doesn’t test your credit score score, however, it appears at your income and spending conduct to determine how tons money to lend you. The quantity you could get may be exchanged often, in particular in case your earnings aren’t identical every month. So, don’t be amazed if the quantity you’re authorized for varies from each day. Even in case you meet all of the necessities, you may not get the full $500 increase.

What Happens If You Don’t Have Enough to Repay Your Cash Advance?