Employee Financial Wellness
Pay With Purpose. Empower Your People. Strengthen Your Business.
Employee Financial Wellness gives your team the power to manage, access, and grow their money—all from within Netchex. No-cost options that are fully integrated provide a way to improve retention, engagement, and satisfaction without adding workload or complexity.
More Financial Stability for Employees.
More ROI for You.
Financially confident employees are more focused, engaged, and loyal. Netchex makes it simple to deliver powerful financial tools without increasing administrative burden.
Key Benefits
- Improves retention and morale – Employees with real financial support stay longer and feel more valued.
- Reduces distractions – Financial stress is one of the biggest productivity drains; this benefit helps employees lighten that load.
- Differentiates your benefits package – Stand out with benefits that employees will remember and actually use.
- Low cost, no complexity – Seamless integration with Netchex Payroll means automatic deductions, reporting, and zero employer liability.
77% of employees live paycheck to paycheck.
When unexpected expenses hit, focus, morale, and retention all take a hit, too.
Employees need more than just a paycheck. They need flexibility, access, and support that meet real-world needs. And employers who offer it? They win. In today’s job market, companies that provide modern pay options stand out. Those who don’t risk losing great candidates before they even apply.
Learn More
One Connected Suite. Multiple Ways
to Make a Difference.
Paycards
Why Employers Love It
- Eliminate paper checks and delivery hassles.
- Reduce weather, postal, and lost-check disruptions.
- Support unbanked employees with a secure, compliant option.
- Improve payroll efficiency and cut admin costs.
Why Employees Love It
- Get paid instantly—no check-cashing or deposit delays.
- Pair with Earned Wage Access for early access to earned pay.
- Receive daily tip-outs automatically, with funds available right away.
- Shop or pay bills safely online or in-store with a provided debit card.
Earned Wage Access
Why Employers Love It
- Attract and retain talent with flexible pay options.
- Reduce absenteeism tied to financial stress.
- Eliminate internal loan programs.
Why Employees Love It
- Access earned wages instantly—no waiting for payday.
- Handle surprise expenses without payday loans.
- Track daily earnings for better financial confidence.
Buy Now, Pay Later
(via Payroll Deductions)
Why Employers Love It
- Encourage financial wellness and reduce the need for payday loans.
- Boost morale with access to interest-free payment flexibility.
Why Employees Love It
- Split larger purchases across paychecks.
- No interest or hidden fees—automatic payroll deductions.
- Improve flexibility without credit checks.
401(k) Retirement Plans
(with the Partner of Your Choice)
Why Employers Love It
- Strengthen recruiting and retention.
- Simplify setup with payroll-synced contributions.
- Show long-term investment in your team.
Why Employees Love It
- Save automatically with pre-tax payroll deductions.
- Choose custom contribution levels and investment options.
- Build long-term financial confidence with savings growth.
Income Verification
(for Purchases and Loans)
Why Employers Love It
- Automate verification requests and reduce HR workload.
- Deliver quick, accurate responses to lenders and agencies.
- Protect sensitive employee data with secure access.
Why Employees Love It
- 24/7 access to income and employment verification.
- Faster loan, credit, or housing approvals.
- No delays when third parties need confirmation.
Employee Discounts
Why Employers Love It
- Boost engagement with everyday lifestyle savings.
- Strengthen culture with meaningful perks.
- Show employees they’re valued beyond the paycheck.
Why Employees Love It
- Exclusive discounts on dining, travel, and retail via NetPerks.
- Save money on everyday purchases and experiences.
- Enjoy personalized, rewarding benefits.
Automated Savings
Why Employers Love It
- Promote financial wellness and stability.
- Reduce stress that impacts performance and retention.
- Encourage savings habits with no added admin work.
Why Employees Love It
- Automatically split paychecks into savings or investment accounts.
- Build savings effortlessly with each payday.
- Set and forget goals for vacations, emergencies, or big purchases.
FSA / HSA Accounts
(with the Partner of Your Choice)
Why Employers Love It
- Works seamlessly with payroll and benefits in one system.
- Simplifies tax reporting and contribution management.
- Reduces admin time with automatic deductions and compliance tracking.
Why Employees Love It
- Save pre-tax dollars for medical and dependent care expenses.
- Access and manage balances directly.
- Easy enrollment and year-round support.
Life Insurance
(with the Partner of Your Choice)
Why Employers Love It
- Strengthen recruitment and retention with valued benefits.
- Streamline enrollment and deductions through payroll integration.
- Provide flexible coverage options from trusted partners.
Why Employees Love It
- Affordable protection for themselves and their families.
- Automatic payroll deductions for easy payments.
- Access plan details and updates directly.
Disability Insurance
(with the Partner of Your Choice)
Why Employers Love It
- Add income protection benefits that employees truly value.
- Reduce financial stress that can impact attendance and performance.
- Integrate seamlessly with payroll for automatic premium deductions.
Why Employees Love It
- Protect income during illness or injury.
- Stress-free financial stability.
- Access plan details and claim information directly.
Contact Your Service Team to Get Started
Human Capital Management. People First. On Purpose.