For Employees
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FAQs

General

What is earned wage access (EWA)?

Earned wage access is a modern workplace benefit that allows employees to access a portion of their earned wages on demand prior to their scheduled payday. On payday, any funds withdrawn will be reflected as a deduction on their paystub, and the remaining balance will be paid as usual.

Earned wage access is not a loan; it is money that employees have already earned and can withdraw earlier than their scheduled payday. Since EWA is not a loan, no interest is charged.

Keeper is a financial wellness platform that provides workers with on-demand access to their earned wages prior to their scheduled payday. Employers can offer Keeper as part of their benefits package at no cost, helping to boost employee retention, recruitment efforts, and shift coverage.

With more than 60% of Americans living paycheck to paycheck, financial stress is a reality for most workers and can directly impact their job performance. A financial wellness platform like Keeper gives them a financial cushion to handle unexpected expenses, like a car repair, or cover daily necessities without stress, allowing them to be more present and focused at work.

Keeper partners have experienced strong app engagement and impressive results. On average, they’ve reported:

  • 25%+ reduction in turnover
  • 2x faster hiring for roles that offer same-day pay
  • Up to 88% of workers feeling more satisfied with their employer

Keeper is ideal for high-turnover industries with hourly or shift workers, such as:

  • Healthcare & home health
  • Senior care
  • Retail & grocery
  • Hospitality & food service
  • Facilities & maintenance
  • Logistics & delivery

Implementation & Administration

How does EWA impact our existing payroll process?

Simply put: It won’t. Keeper integrates seamlessly with payroll, HRIS, and time-tracking platforms to ensure there’s no disruption to your current systems or pay cycles. We have existing vendor partners, which enable a faster onboarding process, and can also create new integrations on demand if you use a different Payroll or Time & Attendance vendor.

Absolutely. We offer a white-labeled version of Keeper that can be integrated into an existing company platform or act as a standalone app.

The process varies depending on your Payroll or Time & Attendance vendors. If we have existing integrations, the process may only take up to 2 weeks to configure the platforms. If we need to create a new integration, it could take 4-8 weeks. We manage the project plan and collaboration among dev teams to ensure a smooth process that doesn’t require your involvement.
Most partners go live in less than 2 weeks if we already support an integration with their Payroll or Time & Attendance vendors. Our onboarding process is simple and low-lift, and we provide all the tools and support to make launch seamless.
We offer full implementation support, employee onboarding toolkits, ongoing client success management, and real-time reporting. We also handle all employee communications and disbursement processing. Our support team is available to answer employee questions by phone, email, and online chat.
No, your teams won’t need to do much beyond answering a questionnaire. This helps us set up the systems integrations according to your preferences.

We have many existing vendor partners and add new integrations regularly.

Since Keeper is a benefit tied to a particular employer, an employee who leaves the company will not be able to transition their Keeper account to their new employer. We will deactivate their account.

Cost & Financials

Is there a cost for my business to offer Keeper?

No, there are no direct or indirect costs to your business. Employees only pay a small fee for instant transfers, but we also offer free payout options.
Not at all. We front the cash to ensure there is no financial burden on your business, and later we’ll be reimbursed via payroll integrations or ACH transactions. You won’t pay any fees or implementation costs either.
Paybacks to Keeper come directly from employees’ paychecks as a deduction. If your company uses Empeon for payroll, then the payback will be sent to Keeper via direct deposit.
We think that’s great! We’re happy to work with employers to build a customized program that works best for them and their employees. Just mention it when you reach out and we can discuss it further.
Yes. While Keeper is designed with hourly and shift workers in mind, it can also be configured to support salaried and mixed-role teams.

The Employee Experience

How do employees access their money?

Once a shift is complete, Keeper calculates how much the employee has earned, updates their Available Balance for withdrawal in their account, and sends them a notification. They can then access their money via bank transfer, debit card, or a digital gift card.
We have an easy two-step signup process for employees. Once they download the Keeper app, all they have to do is validate their employer and phone number to claim and activate their account. After that, they can immediately start using Keeper.
Keeper limits available funds to up to 60% of gross pay to ensure it doesn’t interfere with taxes and other deductions.
Yes, there is a daily withdrawal limit that varies depending on the type of integrations set up with your Payroll and Time & Attendance platforms. Employees can transfer funds multiple times per day, but they cannot exceed the specified limit.

Our friendly support team is available via phone, email, and online chat to help your employees with any questions they have about Keeper or their account.

Security & Compliance

Is Keeper secure and compliant?

Absolutely. Keeper is SOC 2-compliant, fully encrypted, and built with employer compliance in mind. We never touch your payroll or modify your existing processes.
Our platform is fully encrypted to comply with all U.S. security guidelines, including adherence to PCI (Payment Card Industry) security standards.
EWA creates a post-tax voluntary deduction on an employee’s pay stub, which reduces net pay in the current pay cycle but doesn’t change overall tax liability. The amount accessed early is deducted from the final paycheck, along with any applicable vendor fees, which are also typically treated as after-tax deductions. EWA is not considered a loan for federal tax purposes, though some states have laws that may impact how it’s handled, and ongoing discussions around constructive receipt remain a regulatory concern.
Keeper adheres to all federal, state, and local regulations applicable to earned wage access programs, including compliance with state-specific requirements. Because some states have unique legal requirements, Keeper may not be available in all states.
Keeper’s earned wage access program is not a loan or credit product. No interest is charged, no credit check is performed, and no amounts are reported to credit bureaus.

Have more questions?

Employers

Request a Demo

Submit an Inquiry or email us at
employer-support@keeperewa.com

For Employees

Contact our support team at
support@keeperewa.com or
call (866) 990-4080