Dave uses your phone number to create and secure your account instead of an email and password. Why? Security first and foremost. Your mobile number is much more difficult to steal and easier to verify than an email address.

We'll also alert you via SMS if your balance is ever at risk to prevent overdraft. If you're like us, you know that emails sometimes slip through the cracks. This helps us notify you ahead of your purchase to make sure that coffee never costs you $35 in overdraft fees.

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