The Only Card That Gives You Payroll Advances Plus 0.5% Cashback on Purchases
Introducing the World's First Cashback Paycheck Advance
Earn 3% Interest on Account Balances up to $1,000
Get smart money management tools to control your finances wisely. Takes less than 5 minutes to sign up!
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Millions of Americans want a better way to build emergency savings, access loans, and make smart money decisions.

Grit offers powerful tools to give you more control over your financial situation.

How It Works
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 pre-tax earnings per pay period and make up to 3 transfers per month with our fee-free wage advances*.
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.

High Interest Earnings

Put your money to work! Earn 3% interest on account balances up to $1,000 – 100x more than you’ll earn in a regular bank account.

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.
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.

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% cash back when you make purchases, 3% interest on account balances up to $1000, and more – so it really does pay to use your Grit Card!
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Notify your employer

The more you use Grit, the more you earn.

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

EMPLOYERS

Give your people the benefit of financial security.

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

Get more.
Live better.

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

The Grit Visa Prepaid Card is issued by Community Federal Saving Bank, Member FDIC, pursuant to a license from Visa U.S.A. Inc. Certain fees, terms, and conditions are associated with the approval, maintenance, and use of the Card. These terms are available at gritfinancial.org. If you have questions regarding the Card, you can contact us toll free at 844-GRITCAN (844-474-8226).

*See our Terms of Use for information and fees for depositing your earned wage transfers to your existing bank account.
**Exclusions include PIN Transactions, pre-authorized payments, disputed transactions and returns.

**Your payroll deposit may post on your Grit card up to 2 days earlier than your scheduled payroll payment date. Early direct deposit of a paycheck depends on factors such as timing of the date your employer transmits the deposit to us and the type of payer transmitting the deposit
*****The money you save on late fees and interest charges can go directly toward building your emergency savings.

CCO

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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.”

Experience

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

Accomplishments

  • 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

Capabilities

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