We’re making smart money management a whole lot easier.

So you can save on fees, earn more interest + 0.5% cashback and build emergency savings. Takes less than 5 minutes to sign up!

Access powerful money management tools at your fingertips.   Sign up now

Grit is a financial wellness account designed for one main purpose: to help you get ahead.

  • Sign up for Grit

    By signing up for Grit, you can build emergency savings, save on late fees and overdrafts, and have exclusive access to smart money management tools so you can continue to grow your wallet.

    When you sign up for Grit, you’ll receive:

    • 1. A Grit Visa debit card
    • 2. Access to the Grit app and a growing suite of financial 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 no-fee access to up to 60% of their earned wages up to three times per month**. Earned wages are made available after your bank direct deposit switch is complete. Using Grit does not affect your credit score.



  • Sign up for Grit in one of two ways

    • 1

      By choosing the Grit Card for your payroll direct deposit.

      With this no-fee Basic service, your earned wage payments will be deposited to your Grit Card within minutes.

    • 2

      By using your current bank account connected to your payroll direct deposit.

      With this Premium service, you'll access everything from the basic membership, plus earn 0.5% cashback on purchases and 3% interest on account balances of up to $1,000 - all with no monthly fee.

  • 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 The full amount of the advance will automatically be withdrawn from your paycheck - so you won't have to lift a finger.

    You can move money onto your Grit Card at any time and access your Grit Card at all Allpoint™ ATMs within the US, free of charge***.

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 no-fee access to up to 60% of their earned wages up to three times per month**. Earned wages are made available after your bank direct deposit switch is complete. Using Grit does not affect your credit score.



Two ways to use Grit
Basic: By linking your Grit account to your bank account.
Your earned wage payments will be deposited directly to your bank account.
Premium: By using your Grit Card for direct deposits and to make purchases.
By switching your direct deposit to Grit, you’ll receive 0.5% cashback on qualified purchases using your Grit Card, earn a higher interest rate than most banks offer, have access to ATM withdrawals**, and have early wage access.
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 automatically withdrawn from your paycheck- so you won’t need to lift a finger.

Have questions?
We have answers.

Grit is a financial service that provides early wage advances, 0.5% cashback, and a growing suite of powerful money management tools.
Grit isn’t a traditional bank. Grit provides financial services such as early wage access, 0.5% cashback, pay instalments and a growing suite of money management tools, but does not provide traditional services such as a savings account or chequing account.
Grit isn’t a traditional bank. Grit provides financial services such as early wage access, 0.5% cashback, pay instalments and a growing suite of money management tools, but does not provide traditional services such as a savings account or chequing account.
No. Using Grit will not affect your credit score.

Ready to get Grit?

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