THSCA
The Only Card That Gives You Payroll Advances Plus 0.5% Cashback on Purchases
Introducing the World's First Cashback Paycheck Advance
Earn 3.5% APY Interest on Account Balances up to $10,000

Get smart money management tools to control your finances wisely. 

Sign Up

Our Partners

Grit is a technology company with deep financial expertise. It provides its service by using the power of technology to keeps it cost structure low and orchestrate the capabilities of a number of world class partners.
Learn more about our partners
image (38)
image (39)
image (40)
image (41)
image (42)
image (43)
logo 1

We work with world-class partners to give you the best financial solutions.

Grit is a technology company with deep financial expertise. We provide financial services by using the power of technology that keeps its cost structure low, and orchestrates the capabilities of a number of world class partners.  This gives our customers the ultimate combination – services from proven corporations along with unbeatable rewards which drive greater financial health. 

How It Works
Early Wage Access

Whether you’ve got unexpected expenses or simply need to make a big purchase before your next payday, you can now access your earned wages the very next day. With Grit 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 money back every time you make a purchase with your Grit card*. No minimum purchase required.

THSCA teacher coach association exclusive offerings vs traditional banks
Your Grit card account is FDIC-insured.

Grit ensures financial safety with PCI (Payment Card Industry) and SOC 2 compliance – the highest security certifications available.

We’re partnered with secure global firms like VISA, NCR, and Corecard (powers Apple and Starbucks). We care about your security deeply.

High Interest Earnings

Put your money to work! Earn 3.5% APY interest on account balances up to $10,000 – 100x more than you’ll earn in a regular bank account.

Fee-Free ATM Withdrawals on the Grit Network

Save an average of $50 per year on out-of-network ATM transactions.

Credit Score Monitoring

View your Vantage Score in the Grit App.

A Growing Suite of Financial Knowledge Tools

Get access to a growing library of resources and expert guidance.

"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

Think of Grit as easier access to your earnings, and better opportunities to manage and grow your money. We help you save on fees, ensure your bills get paid, and help you build an emergency savings fund. And when you sign up for Grit, you get 0.5% cashback when you make purchases, 3.5% APY interest on account balances up to $10,000 and more – so it really does pay to use your Grit card!

Sign Up Now

Sign Up and Try Grit

There are no fees, no subscriptions and best of all – if it’s not for you, there are no cancellation fees or paperwork. Simply Opt-out. 

 
Try Grit Today

Contact Us

Leave your name and contact information below, and we’ll connect with you!

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

Linkedin

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