What is earned wage access?

Earned wage access (EWA) is a way to get the pay you've already earned before your scheduled payday.

Normally, you work throughout a pay period and wait until payday to receive all of it at once. Earned wage access lets you take some of those earned wages earlier, rather than waiting for the full check. It's not a loan or an advance against future pay — it's early access to money you've already worked for.

Express Wages is an earned wage access service. When you use it, you transfer a portion of your earned wages to your bank account, and that amount is deducted from your next paycheck. There's no interest and no credit check.