You Decide When PayDay Is.

  • Free Payroll Advances
  • 0.5% Cashback on debit card purchases
  • 3% APY Interest
    on Account Balances up to $10K
  • NO Monthly Fees
  • View and Improve Credit Score
    (Coming Spring 2023)
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Grit offers powerful tools to help you get ahead.

With Grit Visa Debit Card, Armed forces members can now control when they get paid, earn high interest and receive cashback on all purchases.

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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.

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.

Grit gives you smart money management tools to get ahead.

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!***

Your Grit card account is insured through our bank partner, Community Federal Savings Bank.

Grit ensures financial safety with PCI (Payment Card Industry) and SOC 2 compliance – the highest security certifications available. Grit Card funds are insured for up to $250,000.
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

How it Works

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