Dave

**Dave: Fast Cash and Banking** Dave is a financial app designed to help you take control of your finances with quick access to cash, high-yield savings, and fee-free banking. Whether you need an advance on your paycheck, want to save more effectively, or explore new ways to earn extra income, Dave has you covered. **Key Features:** - **Get Up to $500 Instantly**: Access up to $500 with the ExtraCash™ advance feature, with no credit check, interest, or late fees. The amount you can borrow is determined based on your income history, spending patterns, and recurring deposits. - **Instant Access to Cash**: Transfer your ExtraCash™ advance instantly to your Dave Spending account and start using it right away with your Dave Debit Mastercard. Save on express fees when you use the Dave Spending account. - **Earn 4.00% APY**: Grow your money with a high annual percentage yield on your Dave Spending or Goals account. Start earning interest with no minimum deposit or balance requirements. - **Get Paid Early**: Set up direct deposit and receive your paycheck up to two days early, giving you quicker access to your funds. - **No Hidden Fees**: Dave offers a transparent banking experience with no overdraft fees or hidden charges. Plus, you can avoid ATM fees at over 38,000 MoneyPass locations. - **Effortless Saving**: Use the Goals account to set aside money for specific objectives, like a vacation or a down payment, and set up recurring deposits to steadily build your savings. - **Make Extra Money**: Explore the Side Hustle board to find part-time gigs, remote work, and other opportunities. You can also take Surveys that pay out instantly to your Dave Spending account. - **Membership**: Enjoy full access to Dave’s features, including ExtraCash™, Goals, and Surveys, with a small monthly membership fee. Dave is more than just a banking app; it’s a financial toolkit that helps you manage your money efficiently, save on fees, and find new ways to earn. Whether you need quick cash or want to grow your savings, Dave is designed to make your financial life easier and more rewarding.

**Dave App User Guide** Welcome to Dave, your all-in-one financial app designed to help you manage your money, get quick cash advances, and save effectively. This guide will walk you through how to use the Dave app and make the most of its features. ### 1. **Getting Started** **Download and Install the App:** - Visit the App Store or Google Play Store and search for "Dave." - Download and install the app on your smartphone. **Create an Account:** - Open the Dave app and tap “Sign Up.” - Enter your email address, create a secure password, and follow the prompts to complete your account setup. - Link your bank account to start using Dave’s features. ### 2. **Getting an ExtraCash™ Advance** **Request an Advance:** - On the main dashboard, tap “Get ExtraCash™.” - Based on your income history, spending patterns, and recurring deposits, Dave will determine your eligibility and the amount you can borrow (up to $500). - Select the amount you need and confirm the advance. **Choose Your Transfer Method:** - You can transfer the advance instantly to your Dave Spending account for a lower express fee or to an external debit card (with a slightly higher fee). - Once the transfer is complete, the funds will be available immediately in your chosen account. ### 3. **Managing Your Dave Spending Account** **View Account Balance and Transactions:** - On the home screen, tap “Spending” to view your account balance, recent transactions, and any pending transfers. **Earn Interest on Your Balance:** - Keep funds in your Dave Spending or Goals account to earn 4.00% APY. No minimum balance is required, and you’ll start earning interest automatically. **Set Up Direct Deposit:** - Tap “Get Paid Early” and follow the instructions to set up direct deposit for your paycheck. - With direct deposit, you can receive your paycheck up to two days early. ### 4. **Saving with Goals** **Create a Savings Goal:** - Tap “Goals” on the main dashboard. - Set up a new savings goal by entering the amount you want to save and the purpose (e.g., vacation, emergency fund). - Set up recurring deposits to automatically contribute to your goal on a regular basis. **Track Your Progress:** - Monitor your savings progress in the “Goals” section. You can adjust your goal amount or deposit frequency as needed. ### 5. **Making Extra Money** **Explore Side Hustles:** - Tap “Side Hustles” to browse part-time jobs, gig work, and remote opportunities. - Apply directly through the app to start earning extra income. **Complete Surveys:** - Participate in Surveys that pay instantly to your Dave Spending account. Simply go to the “Surveys” section and select a survey to complete. ### 6. **Avoiding Fees** **Fee-Free Banking:** - Dave does not charge overdraft fees or hidden fees. - Use your Dave Debit Mastercard at over 38,000 MoneyPass ATMs to avoid ATM fees. **Manage Membership Fees:** - Dave charges a small monthly membership fee that gives you full access to all features, including ExtraCash™, Goals, and Surveys. This fee is automatically deducted from your account balance. ### 7. **Security and Support** **Keep Your Account Secure:** - Enable two-factor authentication (2FA) in the app’s “Settings” for added security. - Set up notifications to stay informed about account activity. **Get Help:** - If you have questions or need assistance, access the “Help Center” in the app for FAQs and support options. - Contact customer support directly through the app if you need more personalized help. ### 8. **Managing Your Account** **View and Update Personal Information:** - Go to “Settings” to update your profile, manage linked accounts, and review your transaction history. **Monitor Your Credit (Optional):** - Dave offers tools to help you monitor your credit score. Visit the “Credit” section in the app to learn more. With this guide, you’re ready to make the most of the Dave app. Whether you need quick access to cash, want to grow your savings, or are looking for ways to earn extra income, Dave is here to help you manage your financial life with ease and confidence.