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  "documentTitle": "Dave | Results Presentation Deck | 37 slides",
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      "kind": "source-note",
      "text": "1 Refers to fee income which is paid to us by our bank sponsor, Evolve Bank & Trust, based on Dave Member deposits.",
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      "text": "Dave Card Attribute\nSpending\nDave Debit Card\nFunding\nExtraCash\nPaycheck\nCheck Deposits\nPayments\nATM Withdrawals\nInstant Withdrawal\nSaving\nGoals Account\nHow Dave Makes Money\nInterchange, incentives, deposit referral fees¹, IW fees, ATM fees\nBenefits to Member\n• Members automatically receive Dave Card bank account\n• Facilitates spending needs\n• ExtraCash instantly available\n• 2 day early access to paychecks\n• Remote check deposit capture\n• Fee-free ATM transactions at network of 40K terminals\n• Instant withdrawal capabilities\n• Allows members to set aside money towards milestones\n• No minimum balances\n• No account maintenance fees\n• No overdraft fees\nBenefits to Dave\n• Builds deeper payment relationship with members\n• Better member retention\n• Incentivizes cross-attach: ExtraCash and Dave Card\n• Fee income on Out of network ATM transactions\n• Instant withdrawal (\"IW\") fees\n• Supports constructive habits with members' finances\n• Primarily merchant & vendor driven revenue streams\n• Consistent revenue stream\n• Zero CAC cross sell",
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