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Employers financial benefits
Financial benefits for everyday empowerment
Go beyond 401(k)s with on-demand pay and simple financial wellness solutions that help employees build financial freedom – starting today.
Trusted by leading companies nationwide
Big Y
Avalon Health Care Group
Brooks Rehabilitation
Walgreens
Hot Topic
Amazon
Big Y
Avalon Health Care Group
Brooks Rehabilitation
Walgreens
Hot Topic
Amazon
Big Y
Avalon Health Care Group
Brooks Rehabilitation
Walgreens
Hot Topic
Amazon
Benefits employees love, and employers do too
Greater financial flexibility improves employee well-being, and it's good for business.
Attract more talent
Attract more talent
88% of employees expect financial wellness benefits1. Standout and attract more talent by offering more than just the basics.
Improve productivity
Improve productivity
U.S. companies lose $4B+/week due to employee financial stress1. Help your employees breathe a little easier, so they can stay motivated and focused.
Increase retention
Increase retention
73% of employees are attracted to another company that cares more about their financial well-being2. Give your workforce more reasons to stick around.
There's a lot we can offer together
From on-demand pay and beyond, our suite of financial wellness products empower employees to take charge of their financial journey.
Cash Out
On-demand pay up to $150/day, with a max of $1,000 per pay period. No interest, no credit check, no mandatory fees3
Early Pay
Get paid up to 2 days early in your bank4
Balance Shield
Stress less about a low bank balance. Get customized transfers and real-time alerts to protect bank balances5
Credit Monitoring
Get moving on credit goals with an easy way to track scores for free
Tip Yourself
Effortlessly save with every paycheck with a no-cost, FDIC-insured account6
It’s so simple to offer big benefits
Help employees thrive with financial benefits that are fast to launch, easy to offer, and ready on your schedule.
Integration-free
Integration-free
EarnIn operates outside your payroll, time and attendance and HRIS systems
No-cost
No-cost
There’s no cost to employers. EarnIn funds 100% of the earnings that employees access through on-demand pay
Low-lift
Low-lift
We give you everything you need for an easy roll-out
Enterprise-ready
Enterprise-ready
Built to scale effortlessly with businesses of any size
Financial wellness benefits pay off
Helping employees take charge of their money and work toward their goals enables them to do their best work — take it from them:
87%
say EarnIn increased their motivation knowing they can get paid before payday7
65%
say EarnIn increased their focus and reduced financial stress7
75%
say EarnIn reduced unplanned absences7
pay bills on time
62%
say EarnIn increased their ability to pay bills on time8
65%
say EarnIn helped decrease overdrafts8
40%
see an increase in their credit score8
Resources to support employee financial health
Blog
What Is On-Demand Pay? Benefits and How It Works
What is on-demand pay? Learn how it works, what it can do for your team's financial wellness, and key factors to consider before getting on board.
Blog
16 Employee Benefits to Know in 2025
Discover the importance of employee benefits, from health coverage to retirement plans, and how they support workplace satisfaction and retention.
Blog
How to Calculate Employee Turnover and Why It Matters
Calculate, analyze, and reduce employee turnover. Understand industry benchmarks and develop targeted approaches to improve workforce stability.
Blog
11 Employee Retention Strategies to Keep Top Talent
Retaining talent requires a thoughtful approach far beyond traditional perks. Here’s how an effective employee retention strategy can help.
Blog
The Thoughtful Employer’s Guide to Compensation and Benefits
Learn how strategic compensation and benefits planning can drive employee engagement and contribute to overall organizational success.
Blog
The HR Guide to Improving the Employee Experience
Want to enhance engagement and retention? Here’s how to create a positive employee experience that transforms how your team feels about their work.
Discover why employers trust EarnIn
See how EarnIn helps you attract more applicants, increase productivity, and improve retention. We’d love to show you the possibilities.
FAQs

Why should I consider offering financial wellness benefits?

With 78% of employees living paycheck-to-paycheck, many struggle with day-to-day challenges like saving, debt management, and paying bills on time.

Traditionally, financial wellness benefits have focused solely on retirement planning, which addresses long-term needs but doesn’t help employees manage their immediate financial challenges. Providing a financial wellness benefit that addresses short-term needs offers employees greater financial flexibility, helping to reduce financial stress, improve employee satisfaction, and foster a more engaged and productive workforce.

Supporting financial wellness also enhances your employer brand, making it easier to attract and retain top talent.

Do you offer Earned Wage Access (EWA)?

Yes, EarnIn offers Earned Wage Access (EWA), also known as on-demand pay or same-day pay, through our product, Cash Out. This benefit allows employees to access a portion of their earned wages before payday, helping them cover expenses such as gas, groceries, or bills when they need it most.

In addition to EWA, EarnIn provides a suite of financial wellness products to help employees avoid overdrafts5, monitor their credit, and more – all to support their immediate financial needs.

What does “integration-free” mean?

“Integration-free” means that EarnIn’s financial wellness products, including on-demand pay, do not require an integration with your existing payroll, time and attendance, or HRIS systems. Unlike other Earned Wage Access (EWA) providers, EarnIn works independently of these systems, eliminating the need for technical setup or IT resources.

Who can use EarnIn?

EarnIn can support your workforce, whether they are salaried or hourly employees.

How does this work?

EarnIn’s financial wellness products are designed to be simple, seamless, and scalable for businesses of any size. If you’d like to learn more, you can book a demo with us to get a detailed overview tailored to your organization’s needs.

Once you’re ready to roll this out to your team, we’ll provide everything you need for a smooth launch, including a comprehensive launch plan and marketing materials to ensure your employees are informed and excited about the benefit. We can move as fast as your timeline allows, making it easy to get started quickly.