Dave

Dave is a financial technology company that provides a mobile app offering products for consumers who need short-term access to cash and banking services. Core products include ExtraCash (an overdraft-style service that can provide up to $500 with no credit check, interest, or late fees), a Dave Checking account, and Goals accounts for saving. Dave’s banking services are provided through partner banks and are FDIC-insured up to $250,000.

The company operates proprietary technologies marketed as CashAI, an AI underwriting model that analyzes cash flow and 180+ data points to determine eligibility for ExtraCash, and DaveGPT, a generative AI assistant within the app for member support. Dave describes itself as a fintech app built to help millions of Americans bridge gaps between paychecks and manage everyday expenses. Banking services are provided in partnership with Coastal Community Bank (Member FDIC), and the Dave Debit Card is issued under a Mastercard license.