Earn $3 for every $100 with America's 1st High Yield Checking Account

High Yield Interest Paid Daily.

  • 0.5% Cashback 
  • 3.00% APY Interest
  • FDIC insured up to $250K, No Monthly Fees or Minimums
Grit Financial Fee Schedule
Grit vs Bank without EWA

Our Partners

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

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0.5% Cashback on Purchases

It pays to use your Grit Card! Earn cashback every time you make a purchase with your Grit Card**. No minimum purchase required. 

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Say Goodbye to Late or Overdraft Fees
Access your wages early so you can avoid fees. The average American who incurs these fees pays $313 and $322 respectively on late and overdraft fees.

Grit Financial FAQs

What is a Grit FDIC Insured Account?

With a Grit Account, you will have an account at an FDIC Insured bank that is accessible via a routing number and account number just like a bank account.  Your funds are also accessible via a VISA Debit Card just like a bank account.

How does Grit work?

By signing up for a Grit VISA debit card, you’ll have access to all the powerful tools we collect from best-in-class providers. The benefits are Free Payroll Advances, 3% APY Interest Earnings, 0.5% Cashback, FDIC insurance up to $250K, access to the largest ATM network in America (NCR AllPoint) Credit Score monitoring (and future state: modelling & boosting, all without affecting your credit score negatively), and we’re still growing our suite of powerful money management suite of tools! 

Why should we trust Grit? 

Grit is an extremely secure platform as we are regulated by US Banking Laws, and we’re constantly audited by one of the largest law firms, Goodwin Procter, to ensure we’re in compliance. We’re also partnered with the CFSB, which ensures we’re FDIC insured up to $250K, and certified by software regulators like SOC2 and PCI compliance. All of our partners are regulated entities and upheld to the highest certifications possible (like Amazon’s AWS and Persona’s KYC

What is a VISA debit Card?  

This is not a Visa gift card or prepaid card. A VISA Debit Card is just like a bank account’s card.  You get a routing #, an account # and can withdraw and add funds like any other bank card. The VISA debit card is simply the product name for Grit’s card program. 

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 fee-free ATM access, so you can start earning, saving, and paying off debt quicker.

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

When you sign up for Grit, you get 0.5% cash back on purchases, so it really does pay to use your Grit Card.

Grit also offers a high yield interest of 3.00% APY, so you can start earning more – the day you start adding funds to your Grit account!  Build an emergency savings fund for a more secure financial future.

The best part? It’s free to use***.

Sign Up and Try Grit

There are no fees, no subscriptions and best of all – if it’s not for you, there are no cancellation fees or paperwork. Simply Opt-out. 


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