No Credit Check for Checking Account or Cash Advances

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Pros and cons

Annual Percentage Yield (APY)


Minimum deposit amount


Annual Percentage Yield (APY)


Minimum deposit amount



  • No minimum opening deposit
  • No credit check required
  • Dave card included
  • Advance direct deposit
  • No overdraft fees


  • $ 1 monthly membership fee
  • 1% charge per transaction if you use Google Pay or Apple Pay
  • It does not allow you to overload your account
  • It does not accept bank transfers
  • Limited ways to deposit cash
  • Offline ATM fee of $ 2.50

More information

  • Access to over 37,000 ATMs free of charge through the MoneyPass ATM network
  • Dave charges a $ 1 subscription fee to access Dave’s expense account and apps budget features
  • Dave will deny your purchase if you overload your account
  • If you want to deposit cash, you’ll need to visit a Green Dot location (you can’t deposit cash at ATMs)
  • The Dave Spending account can only be opened as an individual bank account
  • FDIC insured through Evolve Bank & Trust

Dave’s expense account may be ideal if you’re looking for an account that’s easy to open – it doesn’t require a credit check and has an initial deposit of $ 0. It also offers a 2-day direct deposit, a notable advantage if you need quick access to your paycheck.

You will want to consider possible account fees and limitations. Most notably, there is a $ 1 subscription fee to use the Dave app and limited ways to deposit money.

Dave app features

Dave includes a variety of features, including tools for creating credit and establishing financial habits.

Here’s an overview of the app’s features:

  • Dave Cash Advance: You can apply for a cash advance of up to $ 250 with no interest and no credit check required. Dave will analyze your bank account history to determine the amount you are entitled to. You are likely to receive a higher amount in cash advance if you receive a total deposit of $ 1,000 or more each month.
  • Dave LevelCredits: Dave has partnered with LevelCredit to provide a financial tool for creating credit. The service is free as long as you have a Dave expense account and make a regular monthly direct deposit. You will open a Dave expense account and make at least two direct deposits of at least $ 1,000. Once you meet this requirement, you will receive an email about LevelCredit. Once you link your account, you can use monthly rent payments or utility services to improve your credit score. LevelCredit will report its consistency to credit bureaus each month.
  • Dave Side Hustle: The app has a feature that allows you to find remote job opportunities. You can set up a profile through the app and search for fully remote or local secondary accesses available.
  • Dave’s goals: You can set up and track personal finance goals through private or public goals. Public goals can be shared with anyone with the Dave app, while private goals can’t be shared.
  • Dave Budgets: Dave allows you to organize your expenses to keep track of how much you spend on a category. It can also notify you of upcoming expenses and you may have a low account balance.
  • Dave’s Rewards: You will be able to return the money if you use your Dave debit card frequently. Retail offers will be listed in the app.

How Dave works

Dave is a mobile fintech platform, not a bank. Dave’s expense account is secured by the FDIC through Evolve Bank & Trust. Up to $ 250,000 is secured in an individual bank account.

Customers have access to 37,000 ATMs free of charge through the MoneyPass ATM network.

Customer service is available via live chat from 6 a.m. to 6 p.m. PT Monday through Saturday. You can also call customer service from 4:00 to 22:00 PT on weekdays or from 5:00 to 17:00 on weekends.

Dave has a rating of 4.4 out of 5 stars in the Google Play Store and 4.8 out of 5 stars in the Apple Store.

Dave’s reliability and BBB rating

The Better Business Bureau evaluates companies by analyzing how they solve customer problems.

Dave has a B rating because the BBB has received a large volume of complaints against the company.

A good BBB rating does not guarantee that your relationship with a company is perfect. Talk to current customers or read customer reviews online to see if Dave is a solid solution for you.

Dave has not been involved in any recent public controversy.

Dave vs. Dora

Dora Financial is an online banking platform with a certified free Bank On checking account. See how the two platforms stack up online only below.

Both Dave and Dora have

current accounts

they are great options if you have had difficulty opening a bank account in the past. Your decision between these two platforms could depend on your preference in features.

You can favor Dora’s checking account if you want a mobile app in English and Spanish. You can also lean more towards Dora if you don’t want to pay any monthly fees. Dave has a $ 1 monthly subscription fee for your application.

Dave may be your best option if you are looking for ways to earn credit. You can use monthly rent payments and utilities to improve your credit score.

Dave v. Mission Lane

Mission Lane is a fintech company with financial tools to help you improve your credit score. See how the two companies compare below.

It might be worth exploring Mission Lane if you haven’t been denied a loan in the past because of your credit history.

You will open a $ 300 loan and the funds will be deposited into a secured savings account. You will need to make 12 monthly payments of $ 25 in a row to be able to withdraw the full $ 300. For each month you make a payment, your Credit Creator Account will be reported to a credit bureau so that you can improve your credit score.

Dave may be your best option if you are not ready to apply for a loan. You’ve partnered with LevelCredit, and you may be able to use monthly rent and utility payments to build your credit score.

You may also prefer Dave if you are looking for additional tools to help you save. The app has budget features to keep track of expenses and also allows you to set personal finance goals.

Frequently asked questions

Can I trust the Dave app?

Dave’s expense account is a bank account with federal insurance, so you can safely keep up to $ 250,000 in your account.

Does Dave charge you monthly?

To use the features of the mobile app, you will have to pay a monthly subscription fee of $ 1.

How much will it cost you to borrow Dave?

You can request a cash advance of up to $ 250. No interest will be charged on the cash advance and no credit check is required. Dave will analyze the deposit and transaction history of your linked bank account or Dave Spending account to determine the amount of a cash advance.

Funds will be available in minutes through Dave Spending’s account. If you prefer to send funds to an external bank account, it can take up to three business days.

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