Employee financial progress starts here.
A structured, holistic financial wellness solution leads to better employee engagement and reduced turnover. This is the magic of our comprehensive financial wellness platform.
The net result? 81% of Chime members feel more financially secure.

One financial solution for all sorts of employees
As a trusted brand used by millions, Chime offers a holistic, all-in-one financial wellness platform designed for compliance and built for the future. With one of the most loved app experiences, we make financial progress simple—no matter what that looks like for your employees. Whether they need their first credit card to build credit, a high-yield savings account to grow their money, or fee-free, on-demand access to their pay, Chime has them covered. Backed by enterprise-grade support and robust success tracking, Chime empowers your workforce with financial confidence and unrivaled purchasing power.

- Serves every employee
- Offers holistic financial tools
- Provides personalized individual insights

- Reduces financial stress
- Increases disposable income
- Enhances financial equity

- Intuitive Android or iOS app
- Easily accessible
- All products in one app
- Multichannel support
- Scales along with your business
- Multilingual support
With Chime, employees have access to funds when recovering from unexpected acts of nature, renewable scholarships to further their education, and financial skills development.
Want to increase engagement, loyalty, and job satisfaction? There’s a dash for that. Get unique insights and analysis on the financial health of your workforce.
Essential financial wellness features
The main features and tools that should be included in a financial wellness platform are Earned Wage Access (EWA), budgeting and guidance, rewards and motivation, savings and goal-setting and credit management. Whether your employees are just starting out or are well on their way to financial independence, we’ve designed our suite of products with you and your employees in mind.
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We’re in the business of helping people with their financial journey
Chime members are everyday Americans who can access their earned wages whenever they need them, whether it’s for an emergency or to pay a bill on time. Since paydays don’t always align with when employees need money, earned wage access (EWA) provides the flexibility to get paid when it’s needed, without having to wait until the next payday.
Real member. Paid testimonial.
Benefits of an Employee Financial Wellness Platform
Employee financial wellness platforms improve productivity by reducing financial stress and fostering a more focused workforce. They enhance job satisfaction, increase retention, and strengthen employee engagement. By promoting financial stability, these platforms contribute to better mental health and overall well-being, leading to decreased absenteeism. Employers also gain a stronger reputation for prioritizing employee welfare, creating a more supportive and efficient work environment.
Financial Wellness Platform Elements
The main elements of financial wellness platforms include Earned Wage Access (EWA), financial guidance tools, rewards and motivation programs, savings and goal-setting features, and credit management tools. Some platforms also incorporate debt management support, providing strategies to reduce or eliminate debt. While retirement planning tools often fall into the broader financial wellness category, they are more commonly offered as standalone solutions rather than integrated into these platforms.
Current Trends in Financial Wellness
Employee financial wellness programs are evolving to meet diverse workforce needs. Key trends include personalized financial guidance, Earned Wage Access (EWA) and robust financial education to foster literacy and empowerment. Rewards and incentive programs now play a more prominent role, boosting engagement and participation. Digital platforms are increasingly used for convenience, offering tools like savings features, budgeting apps and credit management resources. Employers are also focusing on the connection between financial stress and mental health, integrating support for both. These trends reflect a holistic approach, aiming to reduce stress, enhance financial security and improve overall employee well-being.
How To Select An Employee Financial Wellness Program
Selecting the right employee financial wellness program requires understanding your workforce’s unique needs, especially for hourly employees who often have different financial behaviours and challenges.
Choose a free program with solutions tailored to employees’ immediate needs, such as EWA, budgeting tools and short-term savings features. Ensure the platform offers personalized guidance, rewards and education. The program should be user-friendly, mobile-accessible and integrate seamlessly with your payroll system. Evaluate its ability to reduce financial stress, boost productivity and enhance overall employee satisfaction.
FAQs
Do employees expect financial wellness to be a part of their benefits package?
Yes, employees increasingly view financial wellness as an essential component of their benefits package. According to PwC, 74% of employees expect this benefit. For hourly workers, financial wellness programs can provide a critical safety net, improving job satisfaction and retention by addressing immediate and long-term financial concerns.
What are the fees associated with offering this benefit to my employees?
We are committed to delivering no and low-fee financial products to our members and employer partners.
What’s the difference between Chime and Chime Enterprise?
Chime Enterprise is the enterprise division of Chime, focused on delivering innovative financial wellness solutions as employee benefits. Chime Enterprise provides employers and partners with unique value through tailored offerings and actionable insights – through an app and experience that employees already know and love.
Which elements of financial wellness solutions are most wanted by hourly employees?
Hourly employees prioritize solutions that address short-term financial needs while also supporting long-term stability. The most desired features include:
- Earned Wage Access (EWA): The ability to access earned but unpaid wages before payday to cover unexpected expenses.
- Budgeting Tools: Resources that help employees manage daily expenses and plan for future needs.
- Emergency Savings Accounts: Employer-matched savings options to build a financial cushion.
- Financial Literacy Programs: Accessible education to improve money management and financial planning skills.
- Employee Rewards That Contribute to Building Wealth: Incentives such as stock options, employer-sponsored investment accounts or rewards programs that allow employees to accumulate wealth over time.
What are the long-term benefits of offering financial wellness platforms to employees?
Offering financial wellness platforms creates a win-win situation for employers and employees. Long-term benefits include:
- Increased Productivity: Reduced financial stress leads to better focus and performance at work.
- Higher Retention Rates: Employees are more likely to stay with employers who are supportive and invested in their well-being.
- Improved Morale: Financial wellness fosters a sense of security and satisfaction among workers.
- Reduced Absenteeism: Employees facing fewer financial emergencies are less likely to miss work.
- Stronger Employer Brand: Companies with comprehensive benefits packages attract top talent and enhance their reputation as employee-focused organizations.
How is Chime’s financial wellness platform different from the rest?
Chime Enterprise offers a comprehensive and holistic employee financial wellness solution that is free to employers and employees. No one ever pays a fee for any of the solutions in the product suite.
Is Earned Wage Access (EWA) a part of financial wellness?
Yes, EWA is a foundational element of financial wellness. By allowing employees to access a portion of their earned wages before the traditional payday, EWA provides immediate relief from financial stress, helping employees avoid payday loans, overdraft fees, or high-interest credit card debt. It serves as a practical tool to bridge financial gaps and improve cash flow management, particularly for hourly employees who may face irregular schedules or unexpected expenses.