Add up to $1000 to your budget with 3% APY Interest and Free Payroll Advances.

  • Free Payroll Advances vs. Hefty Overdraft Fees from Banks.
    Worth up to $600
  • 0.5% Debit Card Cashback vs. 0.00% from Banks.
    Worth up to $200
  • 3.0% APY Interest vs. 0.06% Average Checking Interest from Banks.
    Worth up to $294
  • FDIC Insured up to $250K and No Minimum Monthly Fees or Minimums
    Call 1-844-474-8226 to get started today!
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Grit Financial Fee Schedule

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.

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.

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 . 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. 

Would you like to take control of your payday?

Buying necessary big ticket items like financing a car or home require large cash deposits – and military salaries don’t always allow for this. With Grit, you’re able to access your hard earned wages in advance AND get paid in advance so you can make big life moments happen.

It Pays to Use Grit

When you sign up for Grit, you get 0.5% cashback on purchases, so it really does pay to use your Grit Card – especially when you need to stock up on a few essentials quickly.

Grit also offers advanced access to your earnings, so you can ensure your bills get paid and that you’re able to build an emergency savings fund for a more secure financial future. We’ll also offer financial education as we build our ever-growing suite of tools, so you can advance your personal knowledge bank and continue thriving.

The best part? It’s free to use, and it only takes 4 minutes to sign up!***

Grit gives you smart money management tools to get ahead.

The ability to borrow from a future paycheck can be life-saving, whether it’s helping pay for an emergency, medication or a necessary bill with an inconvenient monthly due date.
     Former Mayor Pro Tem – City Of Dallas
     Former President, Dallas Independent School District Board
The ability to borrow from a future paycheck can be life-saving, whether it’s helping pay for an emergency, medication or a necessary bill with an inconvenient monthly due date.”
     Former Mayor Pro Tem – City Of Dallas
     Former President, Dallas Independent School District Board
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Early Wage Access

With Grit Visa Debit Card, you can request up to 60% of your gross earnings per pay period with our no-fee, wage advances*.

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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.
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Receive your pay up to 5 days early

Grit will deposit your pay into your bank account up to 5 days earlier than your normal direct deposit.

How Free Payroll Advances Work

Connect your Grit account with your bank account and you’ll gain access to earned wages within 24 hours, at no charge.
When you sign up for Grit, you’ll receive:

A Grit Visa Debit Card

Access to the Grit app and a growing suite of smart money management tools.

Request earned wage payments when you need them.
When you sign up for Grit, we sync up with your employer’s paycycle, so we can give you advance access to your earned wages.

Through the Grit app, users get up to 60% of their earned wages, at no charge**. Earned wages are made available when you sign up for a Grit card and after you’ve completed your direct deposit switch. Requesting an earned wage payment does not affect your credit score.

How to use Grit
Platinum Service: Direct Deposits + Purchases

By switching your payroll direct deposit to Grit, you’ll not only get early wage access, you’ll also receive 0.5% cashback on purchases using your Grit card* and access withdrawals from our ATM network**.

How to repay earned wage advances

An earned wage advance must be repaid on the day you receive your next paycheck. The full amount of the advance will be withdrawn from your Grit card or your designated bank account.

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