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Getting Started With Keeper

Discover how Keeper puts you in control of your paycheck with instant access to your earned wages whenever you need them. Learn about Keeper and how the app works in this short video.

General

What is Keeper?

Keeper is an on-demand pay benefit that gives you access to your wages as you earn them, without having to wait for payday. It’s not a loan or a cash advance; it’s simply your money, available when you need it.
Life throws curveballs — car troubles, health expenses, unexpected bills. And sometimes you just need a little extra cash to cover groceries or give yourself peace of mind. Why stress waiting for payday when you’ve already earned the money? Keeper, a free benefit from your employer, lets you tap into your wages whenever you need them, so you can handle what comes your way without the wait. The money you withdraw will be automatically deducted from your paycheck. There are no penalties, interest charges, hidden fees, maintenance charges, or subscription costs.
Compatibility depends on whether your employer has partnered with Keeper. Review your benefits package or ask a Human Resources representative to find out.
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About Keeper

How much does Keeper cost?

There is no monthly or annual fee to use Keeper. This service is provided as a benefit by your employer. Keeper offers two cashout options: Instant Cash for when you need funds immediately (you’ll pay a small service fee) or gift cards for popular brands with a bonus value.
You do not need to sign a contract to create a Keeper account, and you can stop using the service at any time without penalty. Keeper is an optional benefit provided to you by your employer.
Absolutely! The Keeper app is fully encrypted and complies with all U.S. security guidelines, including adherence to PCI (Payment Card Industry) security standards.
You can access a portion of your wages as you earn them. The app will show you exactly how much is available to you, and you can withdraw as often as you like, within your daily or per-pay-period limit.
It’s linked with your time & attendance system. Once you log a shift, those details get sent to Keeper, and it updates your available earnings for withdrawal. Just give it up to 24 hours, and your money will be ready.
No, Keeper does not loan money or charge interest. A loan is money you haven’t earned, but the funds available for you to withdraw from Keeper are your earned wages.
Your Available Balance reflects the wages you’ve earned that haven’t yet been paid to you via Keeper or paycheck, minus taxes and deductions. When you withdraw money, it’s coming out of a future paycheck that is associated with the wages for a specific shift you logged. The date of that specific paycheck is called a recollection date in the app’s Activity tab.

Using Keeper

How do I get started with Keeper?

You can quickly and easily claim your account as long as your employer offers Keeper as a benefit. Just download the Keeper app and follow a few simple steps: enter your cell phone number (be sure to use the same one that your employer has on file), enter the verification code, and then add your debit card of choice. That’s it!
Debit card verification may take up to 5 minutes. It will not connect to Keeper if the card is locked, expired, or was newly issued within the last 24 hours.
This is the dollar amount available for you to withdraw, up to a daily limit for Instant Cash. Your Available Balance will not equal your paycheck amount. The maximum amount available in Keeper for you to withdraw will be 60% of your net earnings each pay period.
When you want to withdraw money from your Available Balance, you have two options. Instant cash out lets you transfer your money immediately for a small service fee per transaction. Or you can withdraw your earnings as virtual gift cards to your favorite brands and get an extra 5% or more in bonus value, powered by our partner Prizeout, with no added fees.
Every withdrawal you make from Keeper will come out of your next scheduled paycheck automatically on payday, either by deduction or direct deposit. This payback date will always be shown in your account.
Payback dates are linked to your future paydays. It indicates the day when the wages you’ve withdrawn from Keeper will be deducted from your paycheck. Payback dates cannot be changed since they are associated with the shifts you’ve worked within a given pay period.

Keeper works hand-in-hand with your employer’s payroll system to help you access your earnings early. Sometimes an issue may occur where Keeper can’t automatically deduct the money from your upcoming paycheck. In this case, you can still make withdrawals, but you’ll have to pay Keeper back by the date noted in your account. You’ll have options like using a debit card, credit card, or Apple Pay, or you can contact Keeper’s customer support team at 866-990-4080 or support@keeperewa.com to set up a payment plan. If Keeper isn’t paid back, your account might be temporarily paused.

Once a transaction is placed, it cannot be cancelled.

No. An account cannot be recovered after it is permanently deleted.
If your employment ends, your outstanding balance will be deducted from your last paycheck and you will be responsible for repayment of any additional outstanding balance.

Have more questions?

Our customer support team prides itself on great service. If you have any trouble using the app or have questions that aren’t answered above, get in touch Mondays-Thursdays 9am-6pm ET or Fridays 9am-1pm ET. In the app, tap Account then Contact Us, call 866-990-4080, or email support@keeperewa.com