Fee-free options in Earned Wage Access (EWA) are essential because they make the benefit more accessible, equitable, and aligned with its original purpose—to support employee financial wellness. When workers are charged to access money they've already earned, it can add up during times of need. 

Immediate is proud to offer multiple fee-free options to remove that barrier before financial stress escalates. Fee-free options also reduce compliance risks for employers (read more about compliance here). Ultimately, if the goal of EWA is to reduce reliance on predatory lending, then offering it without fees ensures that the solution truly supports employees rather than creating new financial hurdles. Here’s how employees can responsibly access their pay with ImmediatePay—without paying fees:

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Instant Transfers to the Immediate Card

For employees who need funds right away, the Immediate Card offers quick access to earned wages—without any fees. It’s the fastest, most flexible option available, giving employees a responsible way to cover essentials without waiting for payday.

Why it matters: No interest, no hidden fees, and no delays. Employees can use the Immediate Card just like a debit card, helping them avoid overdraft fees or high-interest debt.

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Gift Card Transfers in the App

For those who want to plan ahead, employees can transfer earned pay to select gift cards directly within the ImmediatePay app—also with no fees.

Why it matters: This option encourages smart budgeting and gives employees added value, as some gift cards come with bonus amounts. It’s a purposeful, fee-free way to stretch their dollars.

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Next-Day Bank Transfers (ACH)

Employees who don’t need funds immediately can opt for a free ACH transfer to their bank account, typically available by the next business day.

Why it matters: It’s a simple, no-cost way for employees to access their pay on their terms—without relying on savings, credit, or costly alternatives.
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A More Responsible Alternative to Costly Options

Immediate was built to support employees—not profit off of financial emergencies. We provide transparent, fee-free options that give your team access to the money they’ve earned.

Offering fee-free, flexible pay options isn’t just a nice-to-have—it’s a strategic way to support your workforce’s financial well-being. Whether employees need funds immediately, want to plan ahead, or prefer next-day access, Immediate gives them choices that are fast, responsible, and cost-free. When employees feel financially empowered, they’re more focused, engaged, and loyal—benefiting your entire organization. Empower your workforce with fee-free, flexible pay access today.