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For the team

You worked the hours. This is about reaching your own money sooner.

Your employer has made these available to you. A way to reach the pay you have already earned, a fair loan when you need one, a card without the fees, and a doctor your whole household can get to. You choose what you turn on, and nobody at work sees any of it.

AVAILABLE NOW $180.00 Earned this pay period Pay me now Earned pay transfer Card purchase Your earned pay, when you need it Not just on the day the calendar says A fair loan, not a payday lender Fixed rate, repaid straight from payroll A doctor tonight, for the family Any hour, by phone or app
What you get

Four things, and you turn on only what you need.

Get paid before payday

A portion of the wages you have already worked for this period, sent to your card.

  • Comes out of your next check automatically
  • No interest, and nothing builds up
  • Standard transfer is free, instant costs a small flat fee

For example You have earned $360 so far this period. You move $180 to your card on Tuesday, and $180 comes off your next check. No interest either way.

A loan that will not bury you

For the transmission or the deposit, when it is more than a paycheck can absorb.

  • A fixed rate and a fixed end date
  • Repaid straight from payroll, so you never miss one
  • 19.99% fixed APR, and you see the full cost before you accept
  • No credit check to qualify, and paying it back builds your credit

For example Borrow $1,500 over 12 months and you pay about $139 a month, straight out of your check.

A card without the fees

Where your pay lands, whether it comes from a paycheck, an early transfer or a loan.

  • No monthly fee and no minimum balance
  • No overdraft to fall into
  • Move money out to your own bank whenever you want

For example Your check lands up to two days early, and you spend it anywhere Mastercard is accepted. No fee for having the card sitting in your pocket.

A doctor for everyone at home

Talk to a doctor in minutes, at any hour, by phone or app, in English or Spanish.

  • No cost per visit, however often you need it
  • Mental health support and cheaper prescriptions
  • One membership covers everyone who lives with you

For example You wake up sick on a Sunday. You talk to a doctor within minutes, get a prescription sent to the pharmacy, and start getting better that day instead of letting it drag on.

This is a membership for virtual care, not health insurance.

What this does not do.

The questions people actually ask, answered straight.

Your business stays your businessYour employer never sees what you spent it on or why you needed it. Loan repayments run through payroll the same way other deductions do.
Nothing comes out of your pay unless you askYou have to request a transfer or take a loan. Nothing happens automatically.
Nobody has to approve it at workYou sign up yourself. There is no form to hand to a supervisor.
No interest, and nothing builds upAn early transfer is netted from your next check. Nothing rolls forward and no balance grows.
Getting started

Two ways in, depending on what you want.

For pay, loans and the card

Download the app and connect once

Create an account, confirm where you work, and you will see the pay you have already earned. Turn on whichever of the three you want and ignore the rest.

See how pay access works

For Virtual Healthcare

Sign up online and add your household

Pick a membership level, activate the account from the welcome email, and add everyone who lives with you. You are set up within 48 business hours.

Sign up and see the membership levels