Earned wage access - The first step to financial well-being.
Earned wage access helps employees take control of their financial lives with immediate access to their pay. With Chime Workplace, employers can offer no-fee1 earned wage access, embedded in a broader financial wellness suite that is designed in line with CFPB guidance and drives retention and adoption at scale.
Modern earned wage access
Instant access to pay is good.2 Unlocking employee financial progress? Better.
Chime pioneered earned wage access (EWA) – and we’re still leading the way.
Our no-fee earned wage access product offers employees their first steps towards financial well-being by bridging the gap between paychecks. What makes us different? We also work with you to help your employees get to their next step – so they can become savers, builders and growers.
What is modern Earned Wage Access?
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It’s just the first step
EWA provides immediate relief, helping workers bridge the gap between paydays.
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Free for employers & employees
Workers keep every dollar they earn, no hidden costs, no fees.
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Built for compliance
Designed to support applicable compliance regulations nationwide.
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A part of a Financial Wellness Platform
Integrated with high-yield savings, credit building, and financial education.
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Learn more about our no-fee earned wage access solution.
Want to increase employee engagement, job satisfaction, retention, and productivity? Get unique insights with Chime Workplace.
"Our goal has always been to help employees improve their financial well-being, but prior solutions limited them to just one tool. We decided to move to Chime Workplace because it offered tools including earned wage access that helped employees grow.”
Veronica Chimney, CHRO of Etech
What is earned wage access?
Employer partnered Earned wage access (EWA) is a financial wellness benefit that helps employees take their first step toward financial well-being by providing access to wages they’ve already earned—bridging the gap between paydays.
2025 guidance from the Consumer Financial Protection Bureau (CFPB) has brought greater clarity to how TILA and Regulation Z apply to earned wage access, where EWA is free or EWA providers offering settlement models involved in the payroll process are not credit under TILA and Reg Z. How providers structure EWA can determine whether the EWA is credit.
Access to Earned Wages is going No-Fee
In a consumer-driven world, employees are dictating when and where they want their pay through the popularization of Earned Wage Access (EWA), also known as on-demand pay.
While many legacy employer-integrated earned wage access models promise a “no-fee” benefit for employers, employees often end up footing the bill through hidden costs like transaction fees or subscriptions. We predict no-fee EWA becomes the market standard.
Earned Wage Access Platform
Earned wage access allows employees to receive a portion of their earned pay before their scheduled payday, providing financial flexibility and reducing reliance on payday loans or credit cards. It can serve as a standalone solution or a key element of a broader financial wellness program.
This supports immediate cash flow needs and complements tools like savings features, budgeting resources and financial education. Earned wage access platforms empower employees to manage their finances proactively, improving financial stability and reducing stress, without requiring program bundling.
Earned Wage Access App for Employees
An earned wage access app allows employees to access a portion of their earned wages before payday, providing greater financial flexibility.
These apps are user-friendly, mobile-accessible, and designed to simplify the process of earned wage access, often including additional tools like savings and budgeting features.
Earned Wage Access Laws and Regulations
Earned Wage Access (EWA) is becoming increasingly regulated to ensure transparency and consumer protection. In 2024, the Consumer Financial Protection Bureau (CFPB) proposed legislation requiring EWA services to be completely free for employees, eliminating fees and hidden costs. These regulations aim to standardize practices, prevent predatory behavior, and protect users from financial harm.
Emerging state-level guidelines also focus on data privacy, compliance with labor laws, and ensuring earned wage access programs provide genuine financial benefits to workers.
Chime works within applicable federal and state laws to achieve a high standard of consumer protection that’s in the best interests of our members.
