Dave Inc.

Dave Inc. is a neobank offering mobile-first financial services to underbanked American consumers through three main product lines: ExtraCash, a short-term overdraft credit product using proprietary AI underwriting to provide up to $500 without interest or credit checks; Dave Checking, a fee-free digital demand deposit account with no minimums and FDIC insurance; and personal financial management tools delivered via monthly subscription. The company generates revenue from service-based fees including overdraft charges, subscriptions, and tips, as well as transaction-based revenue from debit card interchange, ATM fees, and deposit interest, serving Members who seek accessible banking and short-term liquidity solutions outside the traditional financial system.