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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 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\n• Incentivizes Dave Card engagement\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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