Banks Don't Share their Wealth with You - But We Will.

We don’t think it’s fair that major banks earn 5.15% on funds they deposit with the federal government, but only offer their customers 0.06%. When our founders learned about this, they made it their purpose to change things. 

Join Us

Sign up today for your high-interest, no-fee debit card today. Sign up now

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.

Grit is different from all other banks. You get:

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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 36 hours early
Grit will deposit your pay into your bank account up to 36 hours prior to normal direct deposits.

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.

Ready to take control of your PayDay?

Teachers in Texas don’t get paid for up to 8 weeks, making it hard to budget, save and have enough cash flow.
WEEKS WORKED GRIT PAY CYCLE* STANDARD PAY CYCLE**
Week 1
Week 2
Week 3
Week 4
Week 5
Week 6
Week 7
Week 8
*Grit can pay you within 1 business day from when you worked
**Teacher’s Pay Day – you’re not paid until every 6-8 weeks

"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 – especially when you need to stock up on classroom essentials!

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***.

Sign Up Now

Why Your Bank Hopes You Don’t Ask Too Many Questions

Banks need cheap money to make their business work.  This means they are counting on customers like you giving them their money while asking for almost nothing in return.

 

The questions banks don’t want you to ask are:

Q1. Why do banks get 5.15% on overnight deposits from the Federal Government and give their customers 0.06% average checking account interest?

 

Q2. Why are you not giving me cashback on debit card purchases?  You get fees from merchants when I make charges on my Debit Card.

 

Q3. If I am giving you my Direct Deposit from my employer, why can’t you allow me to borrow against my direct deposit at no cost?

Banks don't want you to ask too many questions.

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

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 is collected at the end of the pay period. Grit withdraws the advance from your paycheck and the remaining amount is transferred to your bank account.

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, Call 844-474-8226 and Press 0 if you would like to speak to a Grit Representative – We are available 10 AM – 7 PM CST Monday through Friday.

*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