For Teachers – Grit Financial

Teachers get paid up to 8 weeks earlier.

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 Minimum

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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.

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*.

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.  

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.

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 helps you equip your classroom with essentials for learning.

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***.

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.