Understand Your Deposit Agreement at Dave

Casino with the withdrawal of money to the Maestro card (Maestro)

Last update: August 9, 2024

Please read this dave deposit account ("contract") carefully and keep it for future reference. In this agreement, the interest request payment account that can be used by eligible consumers who are members of Ebolable Bank & Trust ("Ebolable" or "Bank") ("Dave Imperial Service Account" and "Dave Expendation Account". It describes general conditions and disclosure items related to Dave debit Master Card® ("Dave Card" or "Dave Debit Card"). Trust ("Evolve" or "Bank") offers services by Dave Operating LLC ("Dave"), a member of the Federal Corporate Insurance Corporation ("FDIC").

In these Terms, the words "our company", "our company", or "our company" refers to Evolve, its subsidiaries, successors, agents, agents, or service providers. The word "customer" or the word "customer" refers to the owner of the Dave Checking Account, the personal representative, executor, manager, and successor of the customer.

If there is a contradiction between this agreement and the other documents or statements created by the customer for the Dave check account or dave card, this consent is applied. If there is a contradiction between this agreement and the other documents or statements that you have created for services or products other than the Dave Card or Dave Card, the individual terms of use applied to the service or product. It will be applied. The headline of the section described in these Terms is for convenience and to make it easier for customers to find information. These headings should not be interpreted as affecting the meaning of these Terms.

By opening or continuing a usage account in our Bank, you agree that you will be restrained by other consent or documents that the Bank will provide at any time in connection with this consent and your dave checking account. I will do it.

Important notices are subject to binding arbitration, collective lawsuit and jury's rights. The arbitration and abandonment are described in the section VII (L) of this agreement.

I. Dave Checking Account Basics

The minimum balance to obtain an annual rate (APY) is not required to obtain the disclosed Apy.

Information about prices - interest rates and annual percentage profitability are variables and can change at any time at our discretion. Participants who get access to this account through the Dave Mobile application with a subscription fee (as shown in the settings of the participant in the application), have a percentage rate of 3, 9223%, with APY 4, 00%. For participants who get access to this account through the Dave Mobile application without a monthly fee (as shown in the participant’s settings in the application), the interest rate is 0, 01%, and APY is 0, 01%.

Entrance and credit - interest on your account will be accrued and lended monthly and will be credited to your account on the 1st of each month.

The consequences of the closing of the account - If your account is closed until interest is accrued, you will not receive accrued interest. If the same account is again activated later in the next month or in the same month, the daily accrual of the trials will begin again, and you will never receive interest loss.

事業方法方法方法口座利息の計算に日次残高方式を採用しています。このでは、毎日口座の元本に日割り定期が適用され。。1 年の日を 365 日としてを利息をを利息利息利息利息利息利息利息利息利息利息利息利息利息利息利息 AH 計算します。

預金利息の発生発生現金現金のあらゆる種類の預金について、利息の発生は、資金が入金れた銀行営業日の翌営業日となり。現金のの、利息は資金をたその日からからからからからからからからからからからからからからからから AH します。。例日曜日に非預金された場合、月曜日に処理れ、遅くも火曜日までに利息がしますますますますますますますますますます

取引制限制限 - 外部自動手形所（（））取引は、お客様の口座との金融機関の外部口座と間の電子なの制限の対象となります。制限は、本サービス本本本本本本本本本本本本本本本本本本本本本本 HI および口座のセキュリティと完全性、あなたおよび本サービスの他のすべてのユーザー保護するために柔軟にされています受託詐欺主要なリスク基準基づき基づき当社の " 場合があります。

The Bank reserves the right to request a notification in less than 7 days before the withdrawal from a no n-time deposit or a replacement account, or a drawer defined by regulation D defined in the regulation D.

The Bank may limit, refuse, or refund all or part of the deposit without notifying the customer in advance.

See the section entitled electronic remittance for additional information about a specific transaction limit.

Restrictions of account s-The Bank reserves the right to limit the number of accounts that you can open at the discretion of the Bank without prior notice.

A. What Is a Dave Checking Account?

Dave's deposit account stores your deposits through the use of the Dave Mobile App ("Mobile App") and the Dave Debit Card, and pays between the accounts you have to other banks and third parties. It is a payment deposit account used to make the transfer online. Another terms of use apply to the mobile app. For more information, please refer to the terms of use available in https: // dave. Com/terms.

B. Dave Checking Account Eligibility

The Dave Medical Account Account is 18 years old or older, has an address in the United States, has a military address (APO or FPO), and has a valid social security number or a taxpayer number ("" "" "US", Colombia Special Ward, US territory Samoa, Guam, Marshall Islands, and legal permanent residents in the Northern Mariana Islands. The deposit account of the Dave is only available for individuals, family, or family purposes, and businesses cannot be opened in any form used for business purposes, and salary production protection loans ("PPP"). ) You cannot accept funds. The Bank reserves the right to request a document in less than 7 days before a withdrawal from a no n-time deposit or a replacement account or a withdrawal from another ordinary deposit account defined in regulations D. Masu.

The Bank may limit, refuse, or refund all or part of the deposit without notifying the customer in advance.

C. Titling and Ownership of Dave Checking Accounts

See the section entitled electronic remittance for additional information about a specific transaction limit.

D. How To Open a Dave Checking Account

Restrictions of account s-The Bank reserves the right to limit the number of accounts that you can open at the discretion of the Bank without prior notice.

E. No Minimum Deposit or Balance

The Dave Card Account Account is 18 years old or older, has an address in the United States, has a military address (APO or FPO), and has a valid social security number or a US citizen or a US "US", Colombia Special Ward, US territory Samoa, Guam, Marshall Islands, and legal permanent residents in the North Mariana Islands. The deposit account of the Dave is only available for individuals, family, or family purposes, and businesses cannot be opened in any form used for business purposes, and salary production protection loans ("PPP"). ) You cannot accept funds. The Bank reserves the right to request a notification in less than 7 days before the withdrawal from a no n-time deposit or a replacement account, or a drawer defined by regulation D defined in the regulation D.

F. Power of Attorney and Attorneys-In-Fact

The Bank may limit, refuse, or refund all or part of the deposit without notifying the customer in advance.

See the section entitled electronic remittance for additional information about a specific transaction limit.

Restrictions of account s-The Bank reserves the right to limit the number of accounts that you can open at the discretion of the Bank without prior notice.

H. Our Relationship With You

I. Confidentiality and Our Privacy Policy

You must also agree to be paperless. This means that you must (1) provide us with a valid email address and (2) agree to accept electronic delivery of all communications we require or decide to send in connection with your Dave Checking Account. For more information, see Dave's Electronic Signature in International Commerce Law (ESIGN) Policy https://www. dave. com/electronic-communications-consent. We may decline to open a Dave Checking Account or issue a Dave Card for any reason. This includes if you have other relationships or accounts with us or Dave that are not satisfactorily maintained. We are not responsible for any losses or liabilities resulting from the denial of a Dave Checking Account relationship.
Dave Checking Accounts can only be held in the name of a person who can make deposits and transfer or withdraw funds. Dave Checking Accounts cannot be held or transferred as joint accounts, trust accounts, uniform transfer to minor accounts (UTMA), or payable on death accounts (POD).
You can apply for a Dave Checking Account by submitting a request through our mobile app and providing all of the required information.
Important information about the Dave Checking Account Opening Process: To help the government fight terrorist financing and money laundering activities, federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens a Dave Checking Account. This means that when you open a Dave Checking Account, we will ask you for your name, address, Social Security or Taxpayer Identification Number, date of birth, and other information that can identify you. We may also ask you to provide identification, such as a driver's license.
There is no minimum deposit required to open a Dave Checking Account, nor is there a minimum balance that must be maintained in your Dave Checking Account.
Dave only permits you to authorize another person (known as an "agent") to act on your behalf for your Dave Checking Account on a case-by-case basis. You must request in writing that you authorize another agent to act on your behalf for your Dave Checking Account by contacting us at support@dave. com.

Z. Death or Disability

You agree that if you die or legally incompetent, your agent must immediately notify us. If you receive the notification or if you believe you have died or you have become legally incompetent, we will freeze the Dave Attendance Account and confirm your successor. You can refuse all transactions until you. Until the Bank receives the death or incompetent notification and the necessary proof, we can continue to accept deposits and transaction processing for the Dave current account. Your heritage will be obliged to pay your account as your account balance is paid to your heritage. You agree that you will not damage the Bank for the actions taken by the Bank based on the Bank's view that you have died or incompetent. 。 After your death, if a specific payment from a government agency is deposited in your dave account, we may be notified to return those payments to the remittance. If you have a debt at the time you die, we will have the authority to exercise offset or secure interests on the funds deposited into the Dave Imports account after your death.

J. Cell Phone Communications

By opening a Dave, we have established a relationship between you and the Dave current deposit account, and as defined in the unified commercial laws adopted in Tennessee, we are sincere in transactions with you. We promise to act with normal attention. This consent form and the dave current deposit account do not cause a consignment or other special relationship between the customer and us.

K. Services and Features Offered Through Third Parties

It is very important for us to keep your secrets. Based on this consent form, the Bank usually discloses only information on your dave current deposit account or customer's transactions:

L. Our Business Days

To confirm the identity of the customer and judge whether to open a dave current deposit account for the customer, or to issue a dave card to customers using the services provided by third parties.

M. How to Contact Us

When needed to complete the transaction.

To check the existence and situation of your dave checking account for third parties such as credit investigations and merchants.

II. Your Dave Checking Account Responsibilities

To follow the orders of government agencies or court

A. Notify Us If Your Information Changes

As shown in the Evolve privacy policy.

B. Keep Track of Your Transactions and Available Balance

If you allow you to share your information in writing.

Regarding the Evolve privacy policy (https: // www. Dave. Com/evolve-privacy), we will see the commitment to our customers, the rights of customer privacy, and the details of the partner that we share data and information. Please refer to it.

C. Protect Your Dave Checking Account and Dave Card Information

Not as an Evolve service provider, but also the services provided by Dave also apply the Dave Privacy Policy https: // www. Dave. Com/privacy. Please read the Dave's privacy policy carefully for the commitment to Dave customers, the rights of your privacy, and the details of the person whose data share information and information.

By providing our mobile phone or other wireless device phone numbers to the Company, the user will decide in advance from the US, our affiliated companies and agents, and their dave and their affiliated companies and agents. It is explicitly agreed to receive communications other than marketing, not limited to these, including calling or artificial voice messages, text messages, and automatic dial calls. This consent applies to all telephone numbers you currently provide to the Company in the future. Your phone or mobile phone service provider may charge you for these calls or messages. You also agree that we will record or monitor all communication for the purpose of quality control and training.

III. General Rules Governing Your Dave Checking Account

Some services and functions that can be used in connection with the Dave current deposit account may be provided by third parties ("thir d-party services"), and are not operated or managed by evolved. These thir d-party services can access thir d-party websites, online portals or mobile applications through hyperlinks in the mobile application. We do not manage thir d-party services, and thir d-party services are not managed by this agreement. Before or before the third party service is enabled or used in your dave checking account, Dave is a private term, and/ or privacy policy specific to the third party service. We need to agree with it.

Our business days are from Monday to Friday, excluding the federal holiday.

If you have any questions or questions about the dave account, please contact Dave. The best way to contact Dave is the chat function of the mobile app. DAVE's customer service representative is chat from Monday to 6:00 am on Saturday to 4:00 pm (Pacific Standard Time). You can also call up to 1-844-857-3283. Live agent support can be used from 5:00 am to 9:00 pm from Monday to Friday (Pacific Standard Time), Saturday to Sunday 5:00 am (Pacific Standard Time). You can also contact us by e-mail at Support@dave. com.

A. Making Deposits Into Your Dave Checking Account

In addition to the chat function by mobile apps and e-mail, you can also contact us by phone to 1-844-857-3283.

We strive to maintain your dave account safely and provide customers with tools and services that will help you to manage your Dave Checking Account and Dave Card. However, customers may have to do the dave account, the Dave debit card, and the funds of the customer.

If the name, telephone number, mailing address, e-mail address, or other information provided to the Bank change, please notify the Bank immediately.

It is very important to know the funds of your transaction and available for your available dave current deposit account ("available balance") by attaching a checkout or checking your transaction history with a mobile app. You can always check the available balance through the mobile app, but it is important to understand that the transactions approved by the customer may not reflect the transactions that have not been presented to the Company yet for payment. is.

Also, when the dave account statement is available, we are responsible for checking for errors and illegal transactions. If you find an error or an unauthorized act, you will need to notify the Company immediately to avoid funding. See Section VI for errors and injustice.

It is very important to protect the information on the Dave current deposit account and the Dave Card to prevent fraudulent transactions and fraud. Keep your dave account number, statement, and dave secure cards at the same time, and be careful with those who share this information. Keep your mobile device in a safe condition and do not access the mobile app while you can see the screen by others. In any situation, do not share authentication information and passwords with anyone.

If you lose or stolen the login authentication information of the Dave Account number, Dave Card, Mobile Device, or Mobile App, notify us immediately to limit the responsibility for unauthorized transactions that may occur. See Section V (F) for information on loss or theft notification and applicable deadline. You can also contact us by phone to 1-844-857-3283, in addition to the mobile app or email chat function.

If the name, telephone number, mailing address, e-mail address, or other information provided to the Bank change, please notify the Bank immediately.

If you lose or stolen the login authentication information of the Dave Account number, Dave Card, Mobile Device, or Mobile App, notify us immediately to limit the responsibility for unauthorized transactions that may occur. See Section V (F) for information on loss or theft notification and applicable deadline. In addition to the chat function by mobile apps and e-mail, you can also contact us by phone to 1-844-857-3283.

If the name, telephone number, mailing address, e-mail address, or other information provided to the Bank change, please notify the Bank immediately.

Customers understand that the payment instructions or activities performed using the mobile app are considered to be approved, and that we do not have to investigate or investigate the company.

Transactions apply the remittance amount to your account and the frequency of remittance from your account. These restrictions are set flexibly to protect the security and completeness of the service and account, including protecting the customer and all other users of this service. These limits may be set based on the confidential misconduct and risk criteria necessary to manage risks and protect the endability of customers and the service, and without notice at our own discretion. It may be changed.

Your account limit may be lower than the deposit and withdrawal limit described in A and B below, but will not exceed that:

Dave checking accounts can be made in one of the following methods below. Special restrictions are applied to the Dave Checking Account ("New Account"), which was opened within 30 days from the date of the first transaction using the Dave Card for the first time. There is no fee for payment. However, for cash roads by Green Dot®, fees may be charged or additional restrictions may be imposed. We cannot manage these fees or restrictions.

Direct deposit 1
Maximum number of maximum amount $ 25. 000/ day $ 25. 000/ month
Ach remittance from a linked bank account to Dave Checking Account 2 using a mobile app
Maximum number of times a month up to $ 2, 000 per month

I n-bank in the bank from Dave Goal Account using Mobile 2 Apps to Dave Checking Account

Maximum amount of $ 3, 000 per month

Deposit to wallet by Apple Pay or Google Pay 3

B. Our Funds Availability Policy – Your Ability to Use Your Funds

Up to $ 1, 000 per time per day up to 3 times a day

C. Problems that Could Occur With Deposits

Deposit to no n-debit cards

D. Withdrawals From Your Dave Checking Account

Number of times At least $ 10 to $ 1000/ month

Debit card transfer

Maximum $ 3500 per month

About one transaction: minimum $ 20 to maximum $ 500 (up to $ 1000 per transaction in Wolmart) Maximum amount: $ 1500 (4 TXN) Maximum amount each week: $ 3500 (7 TXN) Maximum monthly amount : $ 5000 (20 TXN)

Gree n-dot cash road with barcode

Per transaction: minimum $ 20, maximum $ 500 Maximum transaction amount: $ 1. 500/4 Transactions Maximum transaction amount: $ 3. 500/7 Transactions Maximum transaction amount: $ 5. 000/20 Transactions

1) The name of the account transfer or ACH transfer must be consistent with the name of the Dave Imports Account.

2 You can move funds between the Debu current deposit account and the other bank accounts. Link bank accounts must be in the United States.

The funds sent by 3 debit cards are usually reflected in the Dave current deposit account within an hour. If you use Google Pay or Apple Pay to start remittance by debit card, you may be charged a unique fee and/ or restriction on the frequency or amount of money that can be transferred to the dave checking account.

4 GREEN DOT® cash road is usually reflected in the Dave Checking account within 30 minutes. Gree n-Tit® may impose its own commission and/ or restrictions on cash deposits and amounts of cash to the dave current deposit account.

Apple Pay, Google Pay, debit Card Remittance: You are an Apple Pay or Google Pay account linked to the bank account to another financial institution to the debit card associated with the bank account through a mobile app You can use the funds using. In some cases, the options that use debit cards that are not linked to the Apple Pay or Google Pay account are provided, but this option is not always available or all consumers. If this option is available, you will be able to access this option in the mobile app. If you send money using Apple Pay, Google Pay, or debit card, you will be able to access money from the dave account to the check more quickly than the Ach remittance. This type of remittance costs a fee. See the section III (L) for the fees applied to the dave current deposit account.

We do not accept telephone remittance, mail or cash, except for GreenDot® cash r e-deposits, checks, or foreign currency deposits: We Bank, we may try to try the Dave Checking Account, Or, we are not responsible for all kinds of deposits that you may send to the Bank by mail (including loss during transportation, loss during mailing, or if we do not receive other methods).

Cash GREEDDOT® Cash Road Location is accepted. Do not mail cash as a deposit.

Paper control: Do not send us paper checks if we do not ask you about this in writing. If you send us a paper check, including personal checks, cash transfers or cash receipts, we can apply this check to any negative balance that can be on your Dave Checking account, or send this check back to you.

Foreign currency: We do not accept deposits in foreign currency. Any contributions in foreign currency obtained in the form of cash or check will be sent to you back.

If we do not apply a check to a negative balance, we will try to send all the items back to the address that we have in the file for you, and we are not responsible if you do not receive these items.

You can place only easily accessible funds with us, which, in accordance with applicable law, are irrevocable and are not subject to any pledges, claims or encumbrances.

E. Transfers To or From Linked Bank Accounts

More detailed information about deposits and terms of receipt of funds from the deposit is given in section III (b).

F. No Illegal Activity, Internet Gambling and Right to Refuse Transactions

ご入金は、ダイレクト入金、リンクされた銀行口座からの ACH（Automated Clearing House）送金、Google Pay または Apple Pay による送金、デビットカードによる送金、またはレジのキャッシュロードに Green Dot®の現金を投入する方法を含む、電子送金によってのみことができます。電子送金によるお預入れは、おを受領し営業営業にご利用いただけるようにこと方針としており。リンクされいる銀行口座からからからからからからからから HI Ach 送金を受け取るには数日かかる場合ありますのでご注意ください。。

G. How We Post Transactions To Your Dave Checking Account and Determine Your Available Balance

1. Posting Order

あなたのデイブ・チェッキング口座へのまたは送金が何らかの理由で支払金融機関返却または拒否された、または入金または送金エラー間違いがあった、、はあなた " 入金額、送金額、または額を削除することができます。その時点でデイブ預金口座のががしている場合、デイブ預金は引き出し超過と可能性があり。詳細についてはははははははは HI 、当座貸越にセクションセクション III （i）をください。

デイブ当座預金口座の利用可能までは、以下のいずれかの方法で送金により引き出すます。新規デイブ当座預金口座引き出しにはな制限が適用れます。。。。。。。
There is no commission on the automatic cash deposit machine (hereinafter "ATM") in the MoneyPass® network. However, a fee will be charged when pulling out with an ATM outside the network. Other thir d-party fees may be applied for transactions outside the network. See the section III (L) commission statement for details and all fees applied to your DAVE account account.
ACH remittance to bank accounts linked from Dave current deposit account using mobile app*
1. $ 5 per month per day up to $ 3, 000 per month

2. Determining Your Available Balance

Using your routing number and account number, ACH remittance to the member store or other third parties that the customer approved the drawer from the Dave current deposit account

Maximum number of transactions 2 times maximum amount of $ 500/ day 1 day

H. Statements

Drawer at ATM using a dave card

I. Overdrafts and Negative Balances

Up to $ 500 a day up to 5 times a day

J. Closing Your Dave Checking Account and Account Suspensions

Total cash drawer per day

Payment to third parties by mail mail

No limit limit

K. Dormancy, Inactivity and Unclaimed Property

Up to $ 5, 000 per month

Purchase or other transactions using a dave card at a member store that agreed to accept the dave card

L. Fees and Fee Schedule

No limit

The maximum amount per day is $ 5, 000

Total drawer limit (cashback in POS, ATM, POS)

* You can transfer funds between Dave Checking Account and other bank accounts. Link bank accounts must be in the United States.

For security purposes, the Dave Checking Account may be subject to additional securit y-related restrictions. For more information, see the following section VI (b) regarding EMC restrictions.

Before allowing withdrawal or other transactions, the Company may ask you to submit additional information or documents that are determined to check your identity or to prevent illegal acts. If you do not obey our request, we may refuse transactions. Moneypass® There is no commission on the automatic cash deposit machine (hereinafter "ATM") in the network. However, a fee will be charged when pulling out with an ATM outside the network. Other thir d-party fees may be applied for transactions outside the network. See the section III (L) commission statement for details and all fees applied to your DAVE account account.

ACH remittance to bank accounts linked from Dave current deposit account using mobile app*

$ 5 per month per day up to $ 3, 000 per month

Using your routing number and account number, ACH remittance to the member store or other third parties that the customer approved the drawer from the Dave current deposit account

Maximum number of transactions 2 times maximum amount of $ 500/ day 1 day

Drawer at ATM using a dave card

Up to $ 500 a day up to 5 times a day

Total cash drawer per day

Payment to third parties by mail mail

IV. Using Your Dave Debit Mastercard

No limit limit

Up to $ 5, 000 per month

Purchase or other transactions using a dave card at a member store that agreed to accept the dave card

A. Activating the Dave Card and Setting a PIN

No limit

B. No Secondary Cardholders

The maximum amount per day is $ 5, 000

C. ATM and Point-of-Sale PIN Withdrawals

Total drawer limit (cashback in POS, ATM, POS)

* You can transfer funds between Dave Checking Account and other bank accounts. Link bank accounts must be in the United States.

D. Retail Card Purchases

For security purposes, the Dave Checking Account may be subject to additional securit y-related restrictions. For more information, see the following section VI (b) regarding EMC restrictions.

E. Split Transactions

Before allowing withdrawal or other transactions, the Company may ask you to submit additional information or documents that are determined to check your identity or to prevent illegal acts. If you do not obey our request, we may refuse transactions. There is no commission on the automatic cash deposit machine (hereinafter "ATM") in the MoneyPass® network. However, a fee will be charged when pulling out with an ATM outside the network. Other thir d-party fees may be applied for transactions outside the network. See the section III (L) commission statement for details and all fees applied to your DAVE account account.

F. Card-Not-Present Transactions

ACH remittance to bank accounts linked from Dave current deposit account using mobile app*

G. Virtual Dave Card

$ 5 per month per day up to $ 3, 000 per month

H. Foreign Transactions

Using your routing number and account number, ACH remittance to the member store or other third parties that the customer approved the drawer from the Dave current deposit account

Maximum number of transactions 2 times maximum amount of $ 500/ day 1 day

I. Card Authorization Holds

Drawer at ATM using a dave card

Up to $ 500 a day up to 5 times a day

Total cash drawer per day

J. Returns and Refunds

Payment to third parties by mail mail

K. Freezing Your Dave Debit Card

No limit limit

L. Replacing Your Dave Card

Up to $ 5, 000 per month

Purchase or other transactions using a dave card at a member store that agreed to accept the dave card

M. Use of the Dave Card With Digital Wallets

No limit

The maximum amount per day is $ 5, 000

Total drawer limit (cashback in POS, ATM, POS)

* You can transfer funds between Dave Checking Account and other bank accounts. Link bank accounts must be in the United States.

For security purposes, the Dave Checking Account may be subject to additional securit y-related restrictions. For more information, see the following section VI (b) regarding EMC restrictions.

O. Suspension and Cancellation

You can use the mobile app to link your other bank account to the Dave Checking Account and move the funds between the linked bank account and the Dave Checking Account. 1) You have the right to approve all bills and withdrawal to the linked accounts. (2) The linked account must be managed by financial institutions in the UK. (3) You must or jointly the owner of the linked seat. By linking a bank account, you agree to compensate for and exempt us from the billing related to the linked bank account, including other owners of the linked bank account. Masu. You can only link to deposit accounts such as current deposits, normal deposits, and money markers.

Dave checking accounts or dave cards must not be used for illegal purposes, or for internet gambling regardless of whether they are legal or illegal. The Bank can refuse to deposit at its own discretion, regardless of any transaction or any other reason that is considered to be related to illegal or online gambling.

V. “Send a Check” Service

In order to understand how to reflect transactions in the dave account, it is important to first understand the difference between available balance and book balance. Available balance refers to the amount of money available until the maintenance is performed at a certain point. The book balance is the balance of the Dave Checking Account. Available balance will be used to approve your transactions throughout the day and determine whether there is enough money for your transaction. The following is an additional term that is useful for understanding:

Rental and deit y-Relief increases the balance, and the deity reduces the balance.

A. How Send a Check Payments Are Processed

Posted or Poste d-Dave's current account or deposited transaction. The recorded transaction increases both available balance and book balance.

B. Returned or Uncashed Send a Check Payments

This is a transaction scheduled to be recorded in the unconfirmed account account account. Unsuitable transactions affect the available balance, but does not affect the balance. You can use the mobile app to link your other bank account to the Dave Checking Account and move the funds between the linked bank account and the Dave Checking Account. 1) You have the right to approve all bills and withdrawal to the linked accounts. (2) The linked account must be managed by financial institutions in the UK. (3) You must or jointly the owner of the linked seat. By linking a bank account, you agree to compensate for and exempt us from the billing related to the linked bank account, including other owners of the linked bank account. Masu. You can only link to deposit accounts such as current deposits, normal deposits, and money markers.

C. No Cancellations

D. Payments to the Government and Court-Ordered Payments

Rental and deit y-Relief increases the balance, and the deity reduces the balance.

VI. Electronic Fund Transfers

Posted or Poste d-Dave's current account or deposited transaction. The recorded transaction increases both available balance and book balance.

A. Types of EFTs Supported by Your Dave Checking Account

This is a transaction scheduled to be recorded in the unconfirmed account account account. Unsuitable transactions affect the available balance, but does not affect the balance. You can use the mobile app to link your other bank account to the Dave Checking Account and move the funds between the linked bank account and the Dave Checking Account. 1) You have the right to approve all bills and withdrawal to the linked accounts. (2) The linked account must be managed by financial institutions in the UK. (3) You must or jointly the owner of the linked seat. By linking a bank account, you agree to compensate for and exempt us from the billing related to the linked bank account, including other owners of the linked bank account. Masu. You can only link to deposit accounts such as current deposits, normal deposits, and money markers.

Dave checking accounts or dave cards must not be used for illegal purposes, or for internet gambling regardless of whether they are legal or illegal. The Bank can refuse to deposit at its own discretion, regardless of any transaction or any other reason that is considered to be related to illegal or online gambling.
In order to understand how to reflect transactions in the dave account, it is important to first understand the difference between available balance and book balance. Available balance refers to the amount of money available until the maintenance is performed at a certain point. The book balance is the balance of the Dave Checking Account. Available balance will be used to approve your transactions throughout the day and determine whether there is enough money for your transaction. The following is an additional term that is useful for understanding:
Rental and deit y-Relief increases the balance, and the deity reduces the balance.
Posted or Poste d-Dave's current account or deposited transaction. The recorded transaction increases both available balance and book balance.
This is a transaction scheduled to be recorded in the unconfirmed account account account. Unsuitable transactions affect the available balance, but does not affect the balance.
Posting Orders We receive transactions throughout the day and post them to your Dave Checking account in real time. We start with your universal balance, subtract any deductions from the balance, and make any adjustments from previous transactions. We then add available deposits and credits to your balance. Fees are entered in real time.
To determine your available balance, we start with your universal balance at the start of the business day, add any available credits or deposits, and subtract any outstanding card authorizations and fees. All transactions are debited or credited against orders received.
You can check your available balance at any time on our mobile app. Please note that your available balance may not reflect all transactions that you have initiated or previously authorized. For example, your available balance may not include (1) transactions that you authorized but that we have not received, (2) Dave Card transactions for which the card authorization was removed before the transaction was settled due to a delayed settlement by the merchant, or (3) the full amount of Dave Card transactions for which the settlement amount exceeds the card authorization amount.

B. Limitations on EFTs

Statements are provided periodically via email unless your Dave Checking account is disabled. If you had transactions in your Dave Checking Account during a reporting period, you will receive a copy of your transactions each month. If you did not have any transactions in your Dave Checking Account, we will provide you with a copy of your transactions at least quarterly. You will not receive a paper statement.

The Bank does not permit you to overdraw your Dave Checking Account and will not charge you insufficient funds fees or overdraft fees. If the available balance in your Dave Checking Account is insufficient to cover a transaction that you have authorized, the Bank may refuse to process the transaction. However, there may be cases where your Dave Checking Account still has an insufficient balance. For example, if a deposit is returned or if a merchant settles a Dave Card transaction for an amount greater than the amount authorized for your card. You must immediately deposit funds to cover the negative balance. If your Dave Checking Account has a negative balance for more than 60 calendar days, the Bank may close your Dave Checking Account.

C. Your Right to Receive Information and Documentation of Your Transactions

Dave checking accounts can be closed for any reason at any time by contacting the dave through a mobile app or by e-mail (support@dave. com). Understand that simply reducing the available balance is not enough to close the Dave Checking Account. If the balance of the Dave's current deposit account is negative, the Bank reserves the right to refuse your request.

At our discretion, we can pause or close your account for any reason, regardless of whether or not. This is a violation of the dave current deposit account or a dave card for fraudulent or illegal purposes, or laws or regulations, or other contracts that are concluded with the Company or Dave. Includes when we judge that there is, or if the customer has taken an unreasonable risk to the Company or Dave. We are not responsible for any damages that customers may suffer due to closing or suspension of your dave current deposit account.
In accordance with the federal law, if the Dave's current deposit account is closed, the Bank will refund your funds by paper. The Company reserves the right to delay or limit refunds while the Company considers the risk or requests additional information to confirm the identity of the customer. In addition, if you are requested by the applicable law, summoning letter, court order, or if you are requested by government agencies, payments may be postponed or changed, or access to customer's funds may be restricted. 。 If your account balance is less than $ 1, we will reserve the right to return funds to customers. The closure of the Dave Checking Account or the end of this agreement is the right or duty that occurs before the closure or end, or the right or obligations that require customer compensation, and our liability, and arbitration. It does not affect the prescribed conditions. ) The Dave Checking account can be closed for any reason, anytime, by contacting the dave through a mobile app or by e-mail (support@dave. com). Understand that simply reducing the available balance is not enough to close the Dave Checking Account. If the balance of the Dave's current deposit account is negative, the Bank reserves the right to refuse your request.
At our discretion, we can pause or close your account for any reason, regardless of whether or not. This is a violation of the dave current deposit account or a dave card for fraudulent or illegal purposes, or laws or regulations, or other contracts that are concluded with the Company or Dave. Includes when we judge that there is, or if the customer has taken an unreasonable risk to the Company or Dave. We are not responsible for any damages that customers may suffer due to closing or suspension of your dave current deposit account.

D. Preauthorized Transfers, Your Right to Stop Payment and Notices of Varying Amounts

In accordance with the federal law, if the Dave's current deposit account is closed, the Bank will refund your funds by paper. The Company reserves the right to delay or limit refunds while the Company considers the risk or requests additional information to confirm the identity of the customer. In addition, if you are requested by the applicable law, summoning letter, court order, or if you are requested by government agencies, payments may be postponed or changed, or access to customer's funds may be restricted. 。 If your account balance is less than $ 1, we will reserve the right to return funds to customers. The closure of the Dave Checking Account or the end of this agreement is the right or duty that occurs before closing or the end, or the right or obligations that require customer compensation, and our liability, and arbitration. It does not affect the prescribed conditions. Dave checking accounts can be closed for any reason at any time by contacting the dave through a mobile app or by e-mail (support@dave. com). Understand that simply reducing the available balance is not enough to close the Dave Checking Account. If the balance of the Dave's current deposit account is negative, the Bank reserves the right to refuse your request.

1. Your Right to Stop Payment

At our discretion, we can pause or close your account for any reason, regardless of whether or not. This is a violation of the dave current deposit account or a dave card for fraudulent or illegal purposes, or laws or regulations, or other contracts that are concluded with the Company or Dave. Includes when we judge that there is, or if the customer has taken an unreasonable risk to the Company or Dave. We are not responsible for any damages that customers may suffer due to closing or suspension of your dave current deposit account.

In accordance with the federal law, if the Dave's current deposit account is closed, the Bank will refund your funds by paper. The Company reserves the right to delay or limit refunds while the Company considers the risk or requests additional information to confirm the identity of the customer. In addition, if you are requested by the applicable law, summoning letter, court order, or if you are requested by government agencies, payments may be postponed or changed, or access to customer's funds may be restricted. 。 If your account balance is less than $ 1, we will reserve the right to return funds to customers. The closure of the Dave Checking Account or the end of this agreement is the right or duty that occurs before the closure or end, or the right or obligations that require customer compensation, and our liability, and arbitration. It does not affect the prescribed conditions. )

2. Our Liability if We Fail To Stop a Preauthorized Transfer

State and federal laws and policies determine when your Dave Checking Account is considered inactive. Your Dave Checking Account is generally considered inactive if you have not accessed your Dave Checking Account, have not notified us about your Dave Checking Account, or have not expressed interest in your Dave Checking Account within the time period specified by applicable law. States have different laws regarding when an account is eligible for deletion, and we may be required to send your Dave Checking Account balance to the state of your last known address. We will make reasonable efforts to contact you, if required by applicable law, before remitting your account balance to a Dave Checking Account in the applicable state. After we release the funds to the state, we have no further liability to you for the funds, and you must file a claim with the applicable state authorities to recover the funds. You can avoid release of funds to the state by simply using the Mobile App to view your Dave Checking Account, make transactions, contact us about your Dave Checking Account, or respond to an abandoned property notice provided by us. We may also set your Dave Checking Account to inactive if you have not made any transactions for at least six months. If your account becomes inactive, we may close your account. You may reactivate your account while your account remains open by contacting us at Support@dave. com.

3. Notices of Varying Amounts

You agree to pay all fees and charges that apply to your Dave Checking Account and Dave Card. All fees will be debited from your Dave Checking Account and will be charged as long as you have a balance in your Dave Checking Account, unless prohibited by law. If at any time your balance falls below the fee assessment amount, the balance in your Dave Checking Account will be applied toward the fee assessment amount and your Dave Checking Account will have a zero balance. Fees are subject to change from time to time. We will provide you with advance notice of any changes required by law.

E. Our Liability for a Failure To Complete A Transaction

External debit card withdrawals

1. 5% per transaction
This is a fee charged by our payment processing provider, Stripe.
Apple Pay, Google Pay and debit card transfers
1% of the amount sent (per transaction)
Google Pay or Apple Pay may have their own fees.
Withdrawals outside of our ATM network*
$2. 50 (per transaction)
MoneyPass® ATM transactions are free.
International ATM fees

$3 + 3 of the transaction amount

F. Your Liability for Unauthorized EFTs

This is our compensation. You may also be charged fees by ATM operators or other third parties.

*A fee applies to withdrawals at ATMs that are not part of the MoneyPass® network. You may also be charged transaction fees, including balance inquiries, by out-of-network ATM operators, even if your withdrawal is not completed. Such fees are charged to your Dave Checking Account by the ATM operator, and we have no control over such third-party fees. To avoid paying such fees, look for the MoneyPass® logo near the ATM or on the ATM screen.

You will not automatically receive a Dave Debit Card for your Dave Checking Account when you open your account; you must request one. The Dave Debit Card is a debit card that gives you access to the funds in your Dave Checking Account up to your available balance. You may not use your Dave Debit Card for online gambling, illegal transactions, or transfers prohibited by Mastercard. Your Dave Debit Card will expire on the expiration date listed on the back of your Dave Debit Card. As long as your Dave checking account is in good standing, we will send you a replacement Dave Debit Card when it nears its expiration date.

The Dave Debit Card is the property of Evolve and must be delivered upon request. The Dave Debit Card is non-transferable and may be cancelled, revoked or revoked at any time without prior notice, except as required by law.
Not all Dave Debit Card services or features described in this Agreement are available to all persons or in all locations. Any offer of any Dave Debit Card service or feature described in this Agreement is void where prohibited. Use of the Dave Debit Card is also subject to all applicable rules and practices of any payment network, clearinghouse or other entity involved in any transaction outside of this Agreement.
In order to use your Dave Debit Card, you must activate your Dave Debit Card by following the instructions that accompany your Dave Debit Card. This includes setting up a personal identification number ("PIN"). Do not write down your PIN or share your PIN number with anyone else. We may ask you to provide personal information to verify your identity in order to complete the activation process. You agree to sign the back of your Dave Debit Card immediately upon receiving it.

Your Dave Debit Card is for your use only, and you may not request additional cards for others. If you give access to your Dave Debit Card to others, we will treat all transactions initiated as authorized by you, and you will be responsible for all transactions and fees incurred.

G. In Case of Errors or Questions About Your EFTs

You may use your Dave Debit Card to withdraw cash from your Dave Checking Account, up to your available balance, at any ATM or point-of-sale ("POS") device in the United States that accepts MasterCard, Visa Plus, Extra, Interlink, Maestro, Moneypass or Cirrus, using your PIN. Not all participating merchants allow cashback from POS devices.

If you use a non-Moneypass ATM for any transaction, including balance inquiries, you may be charged a fee by the ATM operator, even if the withdrawal is not completed. This ATM fee is a third-party fee charged solely by the respective ATM operator and is not charged or controlled by us. This ATM fee will be charged to your Dave Checking Account.
You can use your Dave Debit Card to make purchases with your PIN at any participating merchant that has a POS device that accepts MasterCard, Visa Plus, Plus, Interlink, Maestro, Moneypass, or Cirrus. You can also use your Dave Card to make purchases without a PIN at any participating merchant that accepts MasterCard Debit Cards.
You can instruct the merchant to load a portion of your purchase onto your Dave Debit Card and then pay the remaining balance with cash or another card. This is called a "split transaction." Some merchants do not allow split transactions. If you wish to make a split transaction, you must tell the merchant the exact amount you want loaded onto your Dave Debit Card. If you do not tell the merchant that you wish to make a split transaction and your Dave Checking Account does not have sufficient funds to cover the full amount of your purchase, your Dave Debit Card may be debited.

You can make purchases at retailers without presenting your Dave Debit Card by providing your Dave Debit Card information, including transactions over the Internet or telephone. Making transactions in this manner has the same legal effect as if you had used your plastic Dave Debit Card. For security reasons, we may limit the amount or number of times you can make such transactions.

When the Dave Leading account is opened, a 1 6-digit card number, a thre e-digit card verification value ("CVV"), and a virtual card ("Dave Virtual Card") will be issued automatically. 。 Virtual dave cards are different from physical dave cards, have different card numbers and can be managed with mobile apps. When the validity of the virtual dave card expires, a Virtual Dave card for replacement is issued. The Virtual Dave Card allows you to access the fundable funding for the Dave Location Account and do cardless trading (see section IV (f)). See Section IV (F)), and if the MasterCard debit card is available, you can use it in the same way as a physical Dave debit card. The virtual dave card can also be added to the digital wallet (see section IV (m)). You can also add it to section IV (m)). The use of a virtual dave debit card applies to the provisions of this Agreement, as well as physical Dave debit cards.

VII. Other Legal Terms and Conditions

A. No Assignments

DAVE debit cards are available when purchasing products and services at overseas merchants, except for restricted areas. Dave may block a specific foreign transaction. If you get funds or purchase in a currency other than US dollars, the amount deducted from the usable balance of the dave account account is converted to the US dollar by MasterCard. The exchange rate between the transaction currency used for international transaction processing and the billing currency is the exchange rate selected by MasterCard from the rates available in the foreign exchange market on the corresponding central processing day, and Mastercard itself. It may be different from the rates you receive or the valid government rate on the corresponding central processing date. The conversion rate may be different from the customer's trading date and the valid rate on the day of the Dave current deposit account.

B. Sub-Deposit Accounts / Bank Deposit Custodial Program

There is a fee for transactions outside the United States. There is no fee for other overseas transactions. Some of the merchants and ATM transactions are considered international transactions due to the applied network rules, even if the customer,/ or member stores or ATMs are in the United States, so they are foreign ATMs. A transaction fee will be added. For details, see the Section III (L) fee list. In some cases, a commission may be charged from a third party.

When you use your Dave Debit Card to purchase goods or services or to receive cash from a participating merchant, the merchant may request a pre-authorization for the transaction (a "Card Authorization"). If a merchant requests this and you have sufficient Available Funds in your Dave Checking Account, we will authorize the transaction and temporarily hold the funds in your Dave Checking Account. This temporary hold will reduce the available balance in your Dave Checking Account. The amount of this temporary hold is generally the amount of your Card Authorization; however, we may place additional, pre-determined holds on transactions at certain types of merchants. When you use your Dave Debit Card at restaurants, hotels, rental car companies, and automated gas pumps ("Pay at the Pump"), a transaction may be prepared for an amount up to $75 or more. This hold will remain in your Dave Checking Account until the merchant submits the final transaction amount to us and requests payment ("Settlement"). If the merchant does not request Settlement or requests Settlement late, it may take up to seven calendar days for the hold to be released on most transactions. For hotel transactions, it may take up to 30 days for the hold to be released. For rental car transactions, it may take up to 60 days for the hold to be released.

Please note that the timing of card authorization and settlement is controlled by the merchant. That is, the merchant can initiate settlement after the card authorization has already been released. If the reservation is released and you spend money in your Dave Checking Account before settlement, your Dave Account may be overdrawn. In addition, the card authorization amount requested by the merchant may differ from the settlement amount. Therefore, it is very important that you monitor your transactions and your Dave Account. Once a card authorization is approved, you cannot stop the Dave Debit Card transaction.

Before purchasing with a Dave debit card, please check the return policy of the member store. Both the Company and Dave are not responsible for the delivery, quality, security, security, legal or legal or other aspects of the product or service purchased by the customer using the Dave debit card. If there is a problem with the product purchased with the Dave debit card, or if there is a dispute with the member store, process it directly with the merchant. If you have the right to refund the product or services obtained using a Dave debit card for some reason, you agree to accept the credit of the Dave debit card for refunds and agree to the refund policy. Masu. The amount credited to the Dave debit card for refund may not be available for up to 5 days from the date of refund trading.

If you insert a Dave debit card incorrectly, you can "freeze" the Dave debit card or virtual debit card through a mobile app. When the Dave debit card is frozen, the card will be invalidated and unusable. You can also release freezing with a mobile app. However, if you think that the Dave debit card has been lost or stolen, even if the Dave debit card is frozen through a mobile app, please contact the Bank immediately. See Section V (F) for information about Dave debit cards and how to limit your responsibilities for unauthorized transactions.

If you need to replace the Dave Card for any reason, please contact us through the mobile app chat function between Monday and Saturday 6:00 am and 4 pm. For other times, please e-mail to the dave of support@dave. com or to 1-844-857-3283. Before reissuing the Dave Debit Card, you need to provide personal information to confirm that you are the person.

If you think that the Dave debit card has been lost or stolen, you can contact the Dave Debit Card immediately by contacting us to 1-844-857-3283. We can cancel the Dave debit card that has been invalidated for 60 calendar days or more.

Digital wallets ("Wallets") provide you with another way to shop with your Dave Card. A digital wallet is a service provided by another company (such as Apple Pay, Android Pay, or Samsung Pay) that allows you to make transactions using your Dave Card wherever Wallets are available. Wallets may not be available in all locations where Dave Cards are available, and Dave Cards may not be suitable for all functions or features of Wallets. Your use of your Dave Card on or through Wallets remains subject to all terms and conditions of this Agreement. We may terminate your access to or use of your Dave Card through Wallets at any time for any reason, including if you breach any of the terms or conditions of this Agreement.

You may add or remove your Dave Card from your Wallet by following the instructions provided by your Wallet provider. By doing so, you consent to sharing your Dave Card information with your Wallet provider. You may be required to take additional steps to authenticate yourself before your Dave Card is added to your Wallet. We will not charge you additional fees to add your Dave Card to your Wallet or to use your Dave Card with your Wallet. However, any fees or charges that apply when you use the Dave Card outside of the Wallet will also apply when you use the Wallet to make purchases with or access the Dave Card. Wallet providers and other third parties (such as wireless carriers and data service providers) may charge you fees. The digital version of the Dave Card in the Wallet may be automatically updated or upgraded without notice to you at our sole discretion. Digital wallets ("Wallets") provide you with another way to make purchases with the Dave Card. Digital wallets are services provided by other companies (such as Apple Pay, Android Pay, Samsung Pay, etc.) that allow you to make transactions using the Dave Card wherever the Wallet is available. The Wallet may not be available in all locations where the Dave Card is available, and the Dave Card may not be suitable for all functions or features of the Wallet. Your use of the Dave Card on or through the Wallet remains subject to all terms and conditions of this Agreement. We may terminate your Wallet access to or use of the Dave Card at any time for any reason, including if you breach any of the terms or conditions of this Agreement. You may add or remove a Dave Card from your Wallet by following the instructions provided by your Wallet Provider. By doing so, you consent to sharing your Dave Card information with your Wallet Provider. You may be required to take additional steps to authenticate yourself before your Dave Card is added to your Wallet. We do not charge you any additional fees to add a Dave Card to your Wallet or to use your Dave Card in your Wallet. However, any fees or charges that apply when you use your Dave Card outside of your Wallet will also apply when you use your Wallet to make purchases with or access your Dave Card. Wallet Providers and other third parties (such as wireless carriers and data service providers) may charge you fees. The digital version of your Dave Card in your Wallet may be automatically updated or upgraded without notice to you, at our sole discretion. A digital wallet ("Wallet") provides you with another way to make purchases with your Dave Card. A digital wallet is a service provided by another company (such as Apple Pay, Android Pay, or Samsung Pay) that allows you to make transactions using your Dave Card wherever your Wallet is available. Your Wallet may not be available in all locations where your Dave Card is available, and your Dave Card may not be suitable for all functions or features of your Wallet. Your use of the Dave Card on or through the Wallet will continue to be subject to all terms and conditions of this Agreement. We may terminate your access to or use of the Dave Card through your Wallet at any time for any reason, including if you breach any of the terms or conditions of this Agreement.

You may add or remove a Dave Card from your Wallet by following the instructions provided by your Wallet provider. By doing so, you consent to sharing your Dave Card information with your Wallet provider. You may be required to take additional steps to authenticate yourself before a Dave Card is added to your Wallet. We will not charge you any additional fees to add a Dave Card to your Wallet or to use a Dave Card with your Wallet. However, any fees or charges that apply when you use a Dave Card outside of your Wallet will also apply when you use your Wallet to make purchases with or access your Dave Card. Wallet providers and other third parties (such as wireless communication carriers and data service providers) may charge you fees. The digital version of the Dave Card in your Wallet may be automatically updated or upgraded without notice at our sole discretion.

We are not responsible for providing a wallet service to customers, not the wallet provider, nor to guarantee that the Dave Card is compatible with any wallet service. We are responsible for providing information to the wallet provider to enable the dave card to be used with a wallet as requested by the customer. We are not responsible for any of the wallets, mobile devices you use with wallet, or any obstacles that cannot be used for transactions. The Company is not responsible for how to execute the service or other third parties in connection with the contract concluded between the wallet provider or other third parties. We do not manage the privacy and security of customer information that the wallet provider may hold. All the information provided by the wallet provider is managed by the privacy policy provided by the wallet provider to customers. If your mobile device is enabled, the location information of your mobile device may be collected and shared by a wallet provider in accordance with the related data and privacy policy. If you request a customer to add a dave card to a wallet, you will be the customer and customer according to our privacy policy (will be corrected at any time) available at https: // www. Dave. Com/evolve-privacy. It is deemed that the Company has approved, transmitting, saving, saving, using, and sharing information about the use of mobile devices and customer's dave card.

In any case, in any case, in any case, in any case, we are responsible for the use of wallets, the use of a wallet or mobile device or a loss or damage caused by the use of a dave card or dave virtual card. I do not.

If you use a wallet, you need to protect your wallet and mobile devices like the Dave Card. If your wallet or mobile device is dangerous and is lost or stolen, you should be deemed to have been lost or stolen, and immediately notify us. See Section V (F) for how to report the Dave Card that was lost or stolen.

If you have any questions, conflicts or complaints about wallets, contact the provider of the wallet using information provided by the provider.

We may refuse to issue, deactivate, cancel, suspend or terminate your Dave Debit Card at any time, with or without notice to you, except as required by law. This includes deactivating or canceling your Dave Debit Card if it is lost or stolen to prevent fraudulent transactions. You agree not to use your Dave Debit Card after it has been deactivated, cancelled, suspended or cancelled. We may also limit the use of your Dave Debit Card, including restricting or prohibiting certain types of transactions. If you wish to cancel your Dave Debit Card, you may do so at any time by contacting us through the chat feature in the Mobile App or by emailing Dave at support@dave. com.

Cancellation of your Dave Debit Card benefits does not affect your rights and obligations under this Agreement.

When you open a Dave Checking Account, you will have access to our "Send Check" service, accessible through the Mobile App. Send Check allows you to authorize third parties to make check payments on your behalf. There is no fee for making payments by check mail. Payments can only be sent to mailing addresses within the United States.

To initiate a check payment, you must provide the name and mailing address of each person or business you wish to pay, as well as any other information requested by the mobile app. You are responsible for verifying the completeness and accuracy of all information you provide to us to submit a check payment. Neither we nor Dave will be liable for losses resulting from incorrect information regarding the submission of a check payment.

By using Send a Check, you authorize us to follow the payment instructions you give us through the Send a Check service. Payments will be debited from your Dave checking account and sent on your behalf to the merchant or other third party in the form of a check to a third party account at another bank. Checks will be mailed via standard U. S. Postal Service mail on the business day following the date the payment request is processed. Delivery to your account at the time of mailing a check may take 3-9 days (the "Delivery Time"). You are responsible for initiating a check mail payment and ensuring that your payment is received by the applicable due date. Neither we nor Dave will be liable for any late penalties or fees if the check mail payment is delivered within the Delivery Time. The amount of a check mail payment will be immediately deducted from your Available Balance on the business day that we process your payment. Check mail payments are processed by 6:00 a. m. Pacific Time each business day. Payments accepted after this time or on non-business days will be processed by 6:00 a. m. Pacific Time on the next business day. We reserve the right to refuse to process payments to any person or business.

Sending a Check Payments may be rejected or returned by the person or business to whom you are making the payment. Acceptance of this payment method is at the sole discretion of the person or business seeking payment. Mailing a Check Payments may also be returned by the United States Postal Service for expired or invalid addresses. If a payment is returned to us for any reason, the check will be canceled and the full amount will be deposited in Dave's checking account within one business day.

Payments made by sending an uncashed check will be canceled after 180 days. The full amount of your payment will be deposited in Dave's checking account within one business day.

When requesting payment by check, please provide accurate information. Once you have authorized a check payment, you cannot prevent the payment from being processed or the amount of the check from being debited from your Dave account. We will assist you in sending the check and receiving a refund or issuing a new check with the correct information.

We do not encourage you to initiate check payments to government entities (such as tax payments) or court-ordered payments, and we and Dave are under no obligation to investigate or settle any claims that may arise. You are solely responsible for investigating and resolving any misdirected, miswritten, or miswritten check payments sent pursuant to a government entity or court order.Your Dave Checking Account and Dave Card allow you to withdraw or deposit funds up to your Available Balance through Electronic Funds Transfers ("EFTs"). EFTs are transactions processed by electronic means and include, but are not limited to, ACH transfers, debit card transactions, ATM withdrawals, and cash loads through Green DOT®. This section provides information, important disclosures, and terms regarding EFTs permitted in your Dave Checking Account or in connection with your Dave Card. You may also receive additional services from Dave through the Mobile App that allow you to initiate EFTs to or from your Dave Account that are not described in this Agreement. Agreements and disclosures applicable to these Services will be provided separately by Dave.The following types of EFTs are available for your Dave Checking Account:

Direct deposits from your employer or other sources of income

Cash deposits to your Dave Checking Account using Green Dot® Reload on the Registry

Transfers from your Green Dot Checking Account to your Dave Checking Account using Apple Pay, Google Pay, or debit card.

Transfers from your Dave Account to your linked bank account through the Mobile App

Remittance from your DAVE account to the merchant or other third parties (providing the routing number and account number of the Dave account to the third party)

Payment to member stores and other third parties using the chec k-off function

Purchase or other transactions using a DAVE debit card for merchants who agree to accept Dave debit cards

Drawer at ATM using Dave debit card

There are restrictions on the frequency and amount of transactions from the dave account or from the Dave account. These restrictions differ for each type of transaction. See the Section III (A) for deposits for the amount applied to the deposit or deposit account or deposit account. See the section III (D) for the drawer for the amount applied to the withdrawal or drawer from the Dave's deposit account.

For security reasons, the Dave Imaging Account is a securit y-related restriction on the number of transferring bank accounts and the amount of transfer from the linked bank account to the dave account in addition to the section III (a) and III (PE). Sometimes. These additional restrictions are based on your account information and the transaction history of the linked bank account. These securit y-related restrictions may be changed every year. Dave will notify you of such changes if requested by the applied law.

Customers will receive information and documents related to the EFT that will be withdrawn or deposited from the dave account account:

Statement: Description: We will provide you with information about your dave current deposit account or deposited transactions in the statement. We will provide a statement that will be paid to your credit card from your account and provide information about your account to your account. You can also check your transaction history at any time with a mobile app.

Direct payment: If there is a deposit directly in the dave checking account from the employer or other individual or other individual, or once every 60 days, check the transaction history with the mobile app or the chat function of the mobile app. By contacting you, you can check if the payment was made.

You can receive the receipt at the moment you pull it out with an ATM or purchase on the POS device using a receipt Dave Debit Card.

If you authorize us or another business or individual to withdraw funds from your Dave Checking Account or charge your Dave Card on a recurring basis (such as when you sign up for "Autopay" to pay your monthly bills), this is called a pre-funding. You have the right to stop a pre-funding and to receive notification if the amount of a particular withdrawal is different from the amount of a previous withdrawal.

If you have authorized a business or individual to receive payments from your Dave Checking Account or charge your Dave Card on a recurring basis through a pre-funding, you may stop these payments by contacting us using the chat feature in the mobile app or by emailing us at support@dave. com at least three business days before the next scheduled payment is due.

Be sure to tell us (1) your name, (2) your Dave account number, (3) the company or individual receiving your payment, and (4) the date and amount of the recurring payment you want to stop. If you want to stop all future payments from that company or individual, be sure to tell us that as well. We may not be able to stop payments if you do not provide us with the correct information, such as the correct payee and the correct amount.

If you give us instructions to stop a payment at least three business days before the scheduled date of payment and provide us with all necessary information, but we do not stop the payment, we will be liable for any loss or damage you incur as a result. However, we will not be liable if the company or person initiating the payment changes the amount of the payment or makes other changes that prevent us from recognizing that it is a payment you have requested to stop.

If the amount of these periodic payments varies, the person or company receiving the payment will notify you 10 days before each payment of when and how much it will be paid. You may have the option to only receive this notice if the amount of the payment varies by more than a certain amount from the previous payment, or if the amount of the payment falls outside of certain limits set by you.

If we fail to complete a transaction on time or for the correct amount under these terms and conditions, despite your correct instructions, we will be liable for substantially all of the damages resulting from that failure or error. However, there are exceptions. For example, we are not responsible for:

Use of the dave's current account account is not enough to complete the transaction without a mistake.

If your ATM does not have enough cash.

In the case of a device or system analysis that the customer knew before the start of transactions.

When a thir d-party mobile app or other system, such as Apple Pay or Google Pay, crashes or does not work properly.

The obstacle is caused by the natural disaster, fire, or other disasters, or due to other causes that exceed the control of the Company, despite the reasonable precautionary measures taken by the Company.

If your funds are not available for pending, or if your funds are subject to legal procedures.If the Bank does not complete the transaction because the Bank or Dave believes that the transaction is fraudulent or illegal.If the dave's current deposit account is closed or not used.

When your dave card is freezed, expired, canceled or paused.

There may be other exceptions stated in the contract between the Company or DAVE and the customer, or recognized by the law.

If you think that an unauthorized EFT may occur or may occur in your dave account, or if you lose, theft, or leakage of the login authentication of the dave card, PIN, and application, please contact us immediately. Calling up to 1-844-857-3283 is the best way to minimize the loss.

If you do not take action to lose or theft of the login authentication information of the illegal EFT, DAVE card, PIN, or mobile app, all of the DAVE accounts (and bank accounts linked through mobile apps) You may lose money.

For unauthorized EFT, including a dave card, if you pay a rational precautions to protect your dave card, PIN and card number from theft or theft, and report it to the Company immediately when you find a loss or theft. We are not responsible for transactions. If all other fraudulent EFTs, and if the MasterCard's zer o-responsibility protection is not applied, you will be liable to the company if you notify us of loss:

If you know the loss, theft, or leakage of the login information of the Dave Card, PIN, or mobile apps, and contact us within two business days, the loss may not exceed $ 50.

If you do not contact us within two business days and prove that we have been able to prevent the company from being able to prevent loss by contacting us, you may lose up to $ 500.

The customer's statement describes the EMH that the customer did not do, and if we could not contact us within 60 days after the statement became available, the loss could be prevented. Even if we can prove, we cannot regain the lost money after 60 days.

If we cannot notify us due to circumstances that should be taken to take a picture (such as lon g-term travel, hospitalization, etc.), these periods may be extended.

If you think that the statement or receipt is wrong, or if you need detailed information about the movement reported in the mobile copy or receipt, Galileo Processing (1-844-857-3283) or electronics Please contact us to research@galileoprocessing. com. The Company needs to contact customers within 60 days of sending the first statement that caused the problem or error. Please provide the following information:

Please let us know your name and dave checking account number.

Explain the unknown errors or EFT, and explain as clearly as possible the reasons why it seems to be an error or why you need detailed information.

Please tell me the amount suspected of an error.

If you offer verbally, you may receive complaints or questions by e-mail within 10 business days. The Company will determine whether an error has occurred within 10 business days from the time you notify the customer, notify the customer, and quickly correct the error. If you need more time, to investigate your complaints or questions up to 45 days, or less than 30 days from the establishment, trading from overseas, or Dave debit card trading at the time of sale It may take 90 days. If we decide this, we will deposit the amount that will be incorrect in the customer's deposit account within 10 business days so that the customer can use the funds until the survey is completed. If you request complaints or questions in writing and do not receive it within 10 business days, we may not deposit your account. If the Dave's Imitual Deposit Account is less than 30 days, the Company can deposit up to 20 business days and deposits the amount you think you are wrong in your dave current deposit account.After the survey, we will inform you of the results within 3 business days. If there is no error, we will explain it by e-mail. You can request a copy of the documents used for the survey.Customers' duty based on your dave checking account and this agreement cannot be transferred and cannot be transferred as a loan or other purpose. Our company or Dave can transfer our rights based on this agreement.

I. Introduction. By accepting the conditions of this consent form or opening a dave current deposit account at the Bank, you are a bank deposit program in this section VII (B). We agree to participate in and agree to be restrained according to the conditions listed here. This program is provided by the Bank in connection with your dave checking account. If you have any questions regarding this provision, please contact Support@dave. com.

C. Legal Processes and Claims Affecting Your Dave Checking Account

In accordance with the conditions of this Agreement, the Bank will, as a customer's agent, and as a custodian, one or more insurance financial institutions (each is called a "program bank", generally called "program bank". I agree to open and maintain an omnibus account, a trading account, or an omnibus custodian account (individual, or a generally referred to as a "deposit account"), and to maintain it. I agree to deposit your funds in one or multiple program bank accounts described in the list ("Bank List"). You agree to open our custodial account ("Casodial account") that can be used to make it easier to make deposits and withdrawals from the sub deposit account.

D. Limitation of Liability and Disclaimer of Warranty

If you deposit funds in the bank based on this consent form, your funds will be deposited to the Dave Checking Account, and your bank will be your agent and custodian, one or one through a dave checking account or a custodial account. You can deposit into the secondary deposit account of multiple plan banks. As your custodian, banks manage your second deposit account in each program bank.

Your funds in each program Bank, which are identified as "priority banks" in the Bank and Bank list, are up to $ 250. 000 for each insurance property (individual accounts, joint accounts, etc.) with your branch account. FDIC insurance is applied ("deposit limit"). Customers' duty based on your dave checking account and this agreement cannot be transferred and cannot be transferred as a loan collateral or other purpose. Our company or Dave can transfer our rights based on this agreement.

E. Indemnification

F. Our Right of Set-Off and Security Interest

Your funds in each program Bank, which are identified as "priority banks" in the Bank and Bank list, are up to $ 250. 000 for each insurance property (individual accounts, joint accounts, etc.) with your branch account. FDIC insurance is applied ("deposit limit"). Customers' duty based on your dave checking account and this agreement cannot be transferred and cannot be transferred for loan collateral or other purposes. Our company or Dave can transfer our rights based on this agreement.

G. Changes in Terms and Additional Services

H. No Waiver of Rights

I. Severability

Your funds in each program bank specified in the Bank and Bank list are up to $ 250. 000 for each insurance property (individual accounts, joint accounts, etc.) with your branch account. FDIC insurance is applied ("deposit limit").

J. Governing Law, Forum and Time Limits

Dave's deposit account or su b-account funding can exceed the deposit limit in any priority bank. Funds that exceed the deposit limit but exceed the program eligible (definition here) will be deposited by one or more priority banks. The amount exceeding the system eligible may not be covered by FDIC insurance. Such amounts can be deposited to the priority bank that functions as "excess bank" (defined in the bank list) regardless of the limit on the FDIC insurance coverage.

Whether you are a bank, plan bank, or an intermediary (such as a broker) to keep the deposit (including transferred deposits) directly with the same insurance ability, regardless of the number of accounts, you calculate your deposit limit. Dave checking accounts, su b-optional accounts, Freedom accounts, or plans bank funds. The user is responsible for tracking the total deposit in the bank and each plan bank in order to determine the range of FDIC insurance available to users.

K. Insurance Coverage

The sub deposit account is only for program bank debt, not direct or indirectly bank or dave debt. Banks are your agent and savage for sub deposit accounts, and ownership is proved by books on the records managed by banks. You do not have a direct relationship with the bank in this plan. There is no proof of ownership about the sub deposit account. All deposits and withdrawals will be made by the Bank on behalf of the customer, and the transfer of the customer's su b-deposit account will be made by the Your agent in the sub deposit account. Information on the sub deposit account is available from bank or dave, not planned banks.

L. Arbitration and Waivers

Dave and banks are responsible for all notifications on plans, including regular statements and plans change notifications. If you have any questions about Dave's current deposit account or su b-option account, please contact the bank support@dave. com. Dave's deposit account or su b-account funding may exceed the deposit limit in any priority bank. Funds that exceed the deposit limit but exceed the program eligible (definition here) will be deposited by one or more priority banks. The amount exceeding the system eligible may not be covered by FDIC insurance. Such amounts can be deposited to the priority bank that functions as "excess bank" (defined in the bank list) regardless of the limit on the FDIC insurance coverage.

1. Definitions Applicable to This Arbitration Provision

2. Binding Arbitration and Appeals

Dave and banks are responsible for all notifications on plans, including regular statements and plans change notifications. If you have any questions about Dave's current deposit account or su b-option account, please contact the bank support@dave. com. Dave's deposit account or su b-account funding can exceed the deposit limit in any priority bank. Funds that exceed the deposit limit but exceed the program eligible (definition here) will be deposited by one or more priority banks. The amount exceeding the system eligible may not be covered by FDIC insurance. Such amounts can be deposited to the priority bank that functions as "excess bank" (defined in the bank list) regardless of the limit on the FDIC insurance coverage.

3. Informal Dispute Resolution

4. Initiation of Arbitration

Conditions and features of this plan may be changed depending on our unique discretion. The Bank can set an exception under the conditions of this plan at its own discretion. In these Terms, the term "dave current deposit account" may collectively include a deposit account corresponding to the Dave current deposit account.

5. Class Action and Jury Waiver

II. Appointment of your agent and bank as a custodian. You will appoint a bank and the bank will be appointed as your representative and preservatant to store all the su b-deposit accounts of the plan bank. You are in your bank, all appropriate receipts, contracts, releases, and other documents, including all contracts required for setting and maintaining a proxy account, or setting the ownership of a proxy account. Is the authority to execute, give or submit. You specify that we will act as your agent in connection with the settings, maintenance, and management of the su b-deposit account, and we will take all the actions necessary for setting, maintaining, and managing the su b-deposit account. It allows you to start remittance between the su b-deposit account, the custodial account, and the Dave Checking Account that the Bank will determine at your own discretion.

6. Location of Arbitration and Costs

The Bank will, as a customer's agent, a part or all of the funds of the customer will be used for the available balance of plan, banks, or other standards, including interest and fees paid for deposits from plan banks. Based on the amount determined by the Bank's unique discretion, I agree that you can deposit it in one or multiple plan banks. The Bank will deposit your funds to one or multiple program banks with a deposit limit of one or multiple program banks, regardless of whether your funding may exceed the deposit limit of one or multiple program banks. You can.

7. Governing Law for Arbitration

If the program bank pays more commissions than other program banks that may accept your deposits below the FDIC insurance limit, we Bank will exceed your funds. If you deposit, we can get economic benefits. Please read the following sections of "Conflict Rights". Conditions and characteristics of this plan may be changed depending on our unique discretion. The Bank can set an exception under the conditions of this plan at its own discretion. In these Terms, the term "dave current deposit account" may collectively include a deposit account corresponding to the Dave current deposit account.

8. Continuation and Severability of Arbitration Provision and Waivers

If the program bank pays more commissions than other program banks that may accept your deposits below the FDIC insurance limit, we Bank will exceed your funds. If you deposit, we can get economic benefits. Please read the following sections of "Conflict Rights". Conditions and features of this plan may be changed depending on our unique discretion. The Bank can set an exception under the conditions of this plan at its own discretion. In these Terms, the term "dave current deposit account" may collectively include a deposit account corresponding to the Dave current deposit account.

Elim Poon - Journalist, Creative Writer

Last modified: 27.08.2024

Burnley Savings and Loans (BSAL) officially opened its doors in September The company was created by local business man David Fishwick who had. See the Dave ExtraCash™ Deposit Agreement and Disclosures for details. 2-Express delivery fees apply to instant transfers. This article will help you understand what you need in place before you reserve, how you actually reserve a new-build home, and what needs to happen next.

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