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      "text": "¹Refers 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\nBenefits to Member\nBenefits to Dave\nSpending\nDave Debit Card\n• Members automatically receive Dave Card bank account\n• Builds deeper payment relationship with members\n• Better member retention\nFunding\nExtraCash Paycheck Check Deposits\n• ExtraCash instantly available\n• 2 day early access to paychecks\n• Remote check deposit capture\n• Incentivizes cross-attach: ExtraCash and Dave Card\nPayments\nATM Withdrawals Instant Withdrawal\n• Fee-free ATM transactions at network of 40K terminals\n• Instant withdrawal capabilities\n• Fee income on Out of Network ATM transactions\n• Instant withdrawal (\"IW\") fees\nSaving\nGoals Account\n• 4% APY on DDA & Goals accounts\n• Allows members to set aside money towards milestones\n• Round-up feature boosts savings\n• Supports constructive habits with members' finances\nHow Dave Makes Money\nInterchange, incentives, deposit referral fees¹, IW fees, ATM fees\n• No minimum balances\n• No account maintenance fees\n• No overdraft fees\n• Primarily merchant & vendor driven revenue streams\n• Consistent revenue stream\n• Zero CAC cross sell",
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