The only Card that gives you Payroll Advances plus 0.5% Cashback on Purchases
Introducing the World's First Cashback Paycheck Advance
Earn 3.00% APY Interest on Account Balances up to $10,000

Get smart money management tools to control your finances wisely. 


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Advance + Debit Card Account
Fee Schedule

Monthly Fee


account balance


ATM Withdrawal
in network $0*


Unlimited Purchases
on Grit Card


  • Your funds are FDIC insured up to $250,000
  • *See Terms for fees, such as Out-Of-Service ATM ($2.50) or over-the-counter withdrawals and Lost Card Replacement
The Grit Visa Prepaid Card is issued by Community Federal Savings Bank, Member FDIC, pursuant to a license from Visa U.S.A. Inc.
The Card may be used everywhere Visa debit cards are accepted.

Our Partners

Grit is a technology company with deep financial expertise. It provides its service by using the power of technology to keeps it cost structure low and orchestrate the capabilities of a number of world class partners.

Grit Financial Advance + Debit Card Account
vs. Traditional Bank Account

Grit Financial Traditional Bank Account
FDIC Insurance Yes Yes
Routing Number and Account Number Yes Yes
Debit Card Yes Yes
Checking No (Check writing via BillPay coming soon) Yes
Overdraft Protection No Yes (with Fees)
Fee-Free ATM Access 55,000 locations 15-40K locations
Interest on Account Balances 3% on All Balances - Paid Daily 0.06% Avg Checking, 0.35% Avg Savings — Paid Monthly
Cashback on Debit Card Purchases 0.5% - Paid Daily Typically 0.0%
Free Payroll Advances Yes No
Physical Branches No Yes
Bill Pay Coming Soon (Available today via Routing Number and Account Number or Debit Card) Yes
Monthly Fees or Minimum Balances No Varies
Grit Financial Account versus a Traditional Bank Account comparison chart
Your Grit card account is FDIC-insured.
Grit ensures financial safety with PCI (Payment Card Industry) and SOC 2 compliance – the highest security certifications available.

Grit Financial’s mission is to reinvent banking for working Americans.

It’s not fair that only the wealthy are offered financial privileges.


Our passion is to service everyone and provide financial  equity  across the board.


We offer advantages that many of the upper echelon receive: cashback rewards, high interest earnings and have early access to their paychecks so you can start earning, saving, and paying off debt quicker.

Advance and Advance + Debit Card Accounts
Early Wage Access

Whether you’ve got unexpected expenses or simply need to make a big purchase before your next payday, you can now access your earned wages the very next day. With Grit you can request up to 60% of your gross earnings per pay period with our no-fee wage advances*.

Note: 3 months of employment payroll history, switching your payroll direct deposit to your Grit account and employment verification is required.

Advance + Debit Card Account

0.5% Cashback on Purchases

It pays to use your Grit card! Earn money back every time you make a purchase with your Grit card*.

No minimum purchase required.

Advance + Debit Card Accounts come with:

High Interest Earnings

Put your money to work! Earn 3% APY interest on account balances up to $10,000.

Fee-Free ATM Withdrawals on the Grit Network

Save an average of $50 per year on out-of-network ATM transactions.

Credit Score Monitoring

View your Vantage Score in the Grit App.

A Growing Suite of Financial Knowledge Tools

Get access to a growing library of resources and expert guidance.

"Grit has a very user friendly app, a very sincere approach, and an amazing concept! It helped me straighten things out and no longer be caught off-guard by unforeseen circumstances!" - Myles T.

It Pays to Use Grit

Think of Grit as easier access to your earnings, and better opportunities to manage and grow your money. We help you save on fees, ensure your bills get paid, and help you build an emergency savings fund. And when you sign up for Grit, you get 0.5% cashback when you make purchases, 3% APY interest on account balances up to $10,000 and more – so it really does pay to use your Grit card!

Grit is a smart money management platform designed for one main purpose: to help you get ahead.


Give your people the benefit of financial security.

With money management tools that boost their wellness – and productivity.

Get more.
Live better.

Get the smart money management tools you need to take control of your finances – once and for all.

Wendy Oliver

A seasoned lawyer and legal compliance expert specializing in the financial sector, Wendy has worked in large law firms and as in-house counsel for companies such as Bank of America and OnPoint Credit Union, and educational institutions such as the University of Chicago and Duke University. She’s also worked at a fintech startup, a consumer lender and a large credit union, as well as running her own practice advising financial institutions.
Well-versed in the ins and outs of disclosures and agreements, contracts and corporate matters, Wendy is most excited about helping others to achieve financial stability, something she had to grapple with herself in her younger years and as a law student. Her goal is to ensure Grit’s financial wellness tools not only help people through financial emergencies, but also establish long-term habits for financial success.
How she got her financial grit: “In college, when I was living off loans and part-time work, I had a budget and that really helped me. After college and law school I had loans to pay. Budgeting and understanding where your money goes can really make a difference in your financial security.”


  • General Counsel, OnPoint Credit Union
  • Chief Compliance Officer, Aven
  • Asst. General Counsel, Bank of America
  • Duke, U. of Mich, U of Chicago


  • Led compliance function for the industry’s first Home Equity backed Credit Card
  • First GC at Oregon’s largest credit union preparing institution for crossing $10B threshold


  • 30+ years of experience in Banking Legal and Compliance including Startups, Scale Players, & Regional Players