GET AND STAY AHEAD
Your all-in-one digital wallet
The UKG Wallet app powered by Payactiv puts you in control of
your earning, spending and saving so you can access your pay
when you need it, stretch every dollar and help achieve your
financial goals. Download the UKG Wallet app or click ‘Get Started’ to access the desktop version and create an account.
How it works
Access your
earned wages
Access a portion of your earned but unpaid wages in the UKG Wallet app or online.
Tackle daily
expenses
Use earned wages to pay for an upcoming bill, an Uber and more.
Automatically
settle funds
On payday, the wages you accessed will show as deductions on your paycheck.
EARNED WAGE ACCESS
Get your money when you want it
Every day you work, you can access an amount equal to a portion of your earned but unpaid wages. The money accessed through UKG Wallet is deducted from your next paycheck.
• You can transfer your funds to any bank account or debit card.
• Pay bills automatically.
• Use your earned wages to get an Uber in the UKG Wallet app.
Disbursement Type
Speed
Fee
Bank transfers
1-3 business days
$0
Use earned wages for Uber, Amazon, or Bills
Real-time
$0
UKG Visa Card with Direct Deposit of $200 or more per pay period?
Real-time
$0
UKG Visa Card without Direct Deposit
Real-time
$2.49
Transfer (within minutes) to Visa+ Wallet, including Venmo or PayPal
Real-time
$3.49
Other debit or payroll cards or Walmart cash pickup
Real-time
$3.49
1 Earned Wage Access requires employer participation. Employees can only access a portion of the wages they have earned to date.
² To qualify, you must have one (1) succesful direct deposit of $200 or more to the UKG Visa Card per pay period. If this qualification isn't met, then a load fee of $2.49 will be charged.
* Central Bank of Kansas City does not administer, nor is liable for earned wage access. The UKG Visa Prepaid Card is issued by CentralBank of Kansas City, Member FDIC, pursuant to a license from Visa U.S.A. Inc. Certain fees, terms, and conditions are associated withthe approval, maintenance, and use of the Card. You should consult your Cardholder Agreement and the Fee Schedule at payactiv.com/card411. If you have questions regarding the Card or such fees, terms, and conditions, you can contact us toll free at 1 (877) 747-5862, 24hours a day, 7 days a week.
Simple and transparent pricing
Service
Fee
· Bank Transfer (1-3 business days)
· Use earned wages for Uber Rides and Bill Pay
· Financial counseling
· Financial learning resources
No Fee
· Day-of transfers to debit, bank or payroll cards
$2.25
No Fee Services
· Bank Transfer
(1-3 business days)
· Use earned wages for Uber Rides and Bill Pay
· Financial counseling
· Financial learning resources
$2.25 Services
Day-of transfers to debit, bank or payroll cards
Goal-based Saving
Effortless saving for any budget
Create personalized saving goals. Set money aside for a rainy day, plan for monthly expenses, see progress grow regularly and automatically save small amounts you know are safe. If you are working overtime or seasonal hours, we can help you save what you've earned beyond regular pay. Opt in to Overtime Saving to set aside a percentage of your overtime earnings towards your savings goal.
• Pause, edit, cancel or withdraw at any time.
• No transfer fees or minimum amount requirement
• Download the UKG Mobile App and head to the "Save" icon to start your saving goal.
FINANCIAL WELLNESS
The UKG Wallet Visa Card
The UKG Wallet Visa Card is a reloadable prepaid or payroll card powered by Payactiv that gives eligible employees early access to their earned wages.
Key Features:
- • Earned Wage Access (EWA): Get immediate access to wages you have already worked for before your actual payday.
- • Early Direct Deposit: Receive your regular paycheck up to 2 days early and government payments up to 4 days early.
- • No Hidden Fees: Features no monthly maintenance fees, no minimum balance requirements, and no credit checks or interest charges.
- • Digital Integration: Works instantly with mobile platforms like Apple Wallet and allows you to use a digital card in the app while waiting for the physical card to arrive by mail.
- • ATM & Cash Access: Offers surcharge-free withdrawals at over 37,000 MoneyPass ATMs and cash pickups at participating Walmart Money Centers.
In their own words
Ready to get started?
Download the UKG Wallet app and create and account, or click below on “Get Started” to access UKG Wallet from your web browser. From there, we’ll just need your phone number, employer and employee ID number. For the best user experience, please ensure your name, phone number and six-digit employee ID number match the information found in MyHR under Employee Summary. For hourly employees, your employee ID number is the same one you use to clock in and out of WFM.
Have questions? We have answers.
What is earned wage access?
Earned wage access (EWA) lets employees tap into a portion of their already-earned pay before payday. EWA is built in to UKG Wallet's robust mobile banking platform, it's simple, and every level of your workforce can use it.
What are the benefits of on-demand pay for employees?
Flexibility and freedom. On-demand pay helps reduce financial stress and improve budgeting and payment habits. All without changing how payroll runs. Employees prefer EWA because it fits seamlessly into how they live and work.
How does earned wage access, online banking improve employee retention?
By building trust. Earned wage access gives employees more control over their pay. Rewarding employees for hitting savings goals instills healthy habits, peace of mind. Because stress is reduced, people are engaged and more likely to stay.
How does UKG Wallet support underbanked workers?
Not every worker can wait for payday or has access to traditional banking. UKG Wallet helps close that gap by offering early access to earned wages and a reloadable, fee-free prepaid card option for those without bank accounts. It's financial flexibility, designed to meet people where they are and support their real, everyday needs.