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Description

Grain is a digital credit card that lives on your phone, not your wallet. The credit offer is based off your checking account activity. All payments and credit activity happens between the app and your linked account.

• Get credit within minutes - just link your primary checking account and you will have access to credit within moments. No credit check required.

• Report your credit - we report your account activity to all three credit bureaus on a monthly basis.

• Auto-Pay - make payments at the best time for you during your billing cycle so you can avoid late and overdraft fees and increase your credit score with on-time payment history.

• Safeguard your credit - we don’t incentivize you to spend as much as possible.

• Track your credit score - watch your credit access and score grow as you use the safeguards we put in place.

• Personalized credit tips - adjust your habits and improve your credit score through actionable recommendations.

• Security taken seriously - we protect your data with 256 bit bank-level encryption and we are FDIC insured.

• 12% APR and 1% Finance Charge on Credit Advances - we don’t believe in unnecessary fees.

Grain is headquartered at:
505 14th St
Suite 900
Oakland, CA 94612

Grain Help Line:
1 (833) 755-0809

Grain Help Email:
help@trygrain.com

Terms of Service: https://trygrain.com/termsofservice/
Privacy Policy: https://trygrain.com/privacypolicy/

iOS Store Category:

Primary: Finance

Secondary: Education

App Store

Privacy Policy

Total Ratings

5.9K
5
5.4K
4
250
3
98
2
31
1
110

Screenshots

Grain: The Digital Credit Card screenshot 1Grain: The Digital Credit Card screenshot 2Grain: The Digital Credit Card screenshot 3Grain: The Digital Credit Card screenshot 4Grain: The Digital Credit Card screenshot 5Grain: The Digital Credit Card screenshot 6Grain: The Digital Credit Card screenshot 7

Version History

Launched Dec 04, 2019 (10 months ago).

Releasing new versions every 13 days, on average.

Sep 25
2020
(Current)
Version 5.0.2

• Customers can now reach out to Plaid directly for bank connection issues
• Fixed a bug where the address search was displaying the wrong city when chosen
• You can now find your credit agreement and disclosures in the help section
• Minor bug fixes and enhancements

Sep 11
2020
Version 5.0.0

• Fixed session timeout login where some customers weren't able to login with biometric authentication after updating their password
• Fixed a UI bug in the update email screen where labels were overlapping
• Minor enhancements and bug fixes

Aug 20
2020
Version 4.0.2

• Minor enhancements
• Bug fixes

Jul 31
2020
Version 4.0.1

• Fixed crash some users were experiencing when opening the app
• Made it easy to reach out to customer support if your account has been suspended by the ACH network
• Other minor enhancements and fixes

Jul 22
2020
Version 4.0.0

• ID Verification (Name, SSN, DOB, Address, etc) is now done in real time
• Fixed bug where transaction detail view was stuck loading
• Other bug fixes and minor enhancements

Jul 02
2020
Version 3.2.1

• Fixed crash some users were experiencing with making payments
• Add a new field for a user's suffix title in their name
• Minor enhancements and fixes

Jun 19
2020
Version 3.2.0

• Added a verification step for submitting payments
• Fixed bug where some users were not able to make custom payments
• Other minor fixes and enhancements

Jun 03
2020
Version 3.1.0

• Added the app version number in profile settings
• Updated customer support phone number and email address
• Added verification of the email address associated with your bank account for additional security (new customers only)
• Deprecated the automated savings feature
• Fixed bank login loop bug some customers were experiencing
• Other minor enhancements and bug fixes

May 22
2020
Version 3.0.0

• Fixed bug some customers were experiencing with making payments
• Improved performance and speed
• Minors fixes and enhancements

May 06
2020
Version 2.1.3

• Enable promotional offers
• Make it easier for users whose phone number doesn't match the one on file for their bank account to verify ownership
• Bug fixes

Apr 23
2020
Version 2.1.2

• Cut minimum payments in half due to COVID-19
• Minor enhancements and bug fixes

Apr 10
2020
Version 2.1.1

In this release:
• Click to copy your Grain account number
• View failed transactions in your recent activity list
• During bank account selection, the options are filtered to only display checking accounts

Mar 27
2020
Version 2.1.0

Enhancements in this release:
• View detailed information about each of your transfers
• View the estimated time of arrival (ETA) for withdrawals, payments, and deposits in your recent activity list
• Ability to cancel pending transfers

Mar 13
2020
Version 2.0.2

• Fixed crashes a few users have encountered
• Minor enhancements & bug fixes

Mar 04
2020
Version 2.0.1

• Made it easier to correct your account information
• Minor enhancements & bug fixes

Feb 27
2020
Version 2.0.0

• Enhanced the sign-up process
• Minor enhancements & bug fixes

Feb 13
2020
Version 1.0.6

• Fixed bug some users were seeing when trying to reauthorize their bank accounts
• Minor enhancements & bug fixes

Feb 05
2020
Version 1.0.5

• Improve flow when trying to connect a bank account already in use
• Minor enhancements & bug fixes

Feb 04
2020
Version 1.0.4

• Fix date in activity notification
• Fix crash some users were experiencing when signing up
• Other minor enhancements and fixes

Jan 31
2020
Version 1.0.3

• Fix date in activity notification
• Fix crash some users were experiencing when signing up
• Other minor enhancements and fixes

Jan 15
2020
Version 1.0.2

• Added Home Screen Quick Actions for making a payment, withdrawing credit, and paying your security deposit
• New users are presented with instructional notification cards to make onboarding easier
• You'll be reminded at session timeout to turn on your Touch ID/Face ID, if it's not already enabled
• Other minor enhancements and fixes

Dec 31
2019
Version 1.0.1

• Fixed two-factor authentication during bank account re-linking
• Blur the app when put in the task switcher (for added privacy)
• Integrated additional layer of security
• Other minor enhancements and fixes

Dec 04
2019
Version 1.0.0

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