Instant Financial vs ImmediatePay

Your pay, on your schedule. Instant gives employees at participating employers access to wages they've already earned before payday, plus fast access to tips. No loans, no interest, no waiting for your paycheck. WHO CAN USE INSTANT Instant is offered as a benefit through your employer. If your workplace has partnered with Instant, you'll be invited to enroll. Not sure? Ask your manager or HR team. ACCESS YOUR EARNED WAGES - Receive Instant Pay offers for wages you've already earned and accept the ones you want - Get your tips on your Instant card within 24 hours of your shift - Get a notification whenever money is added to your card YOUR MONEY, YOUR WAY - Shop in store and online anywhere Visa is accepted - Withdraw cash at thousands of in-network ATMs with no Instant fee—find the nearest one in the app - Transfer to your bank: standard transfers are free; real-time transfers are available for a small fee, shown before you confirm - Set up one-time or recurring transfers STAY IN CONTROL - Check your balance and recent activity in real time - Freeze and unfreeze your card instantly if it's lost or stolen - Pair a replacement card and update your details in the app - Available in English and Spanish SUPPORT WHEN YOU NEED IT - Chat with support in the app - Email support@instant.co - Call the number on the back of your card GOOD TO KNOW - Instant Pay offers are available for a limited window—accept them before they expire - Some merchants (gas stations, hotels, restaurants, rental agencies) place temporary pre-authorization holds that can take several days to release - Standard bank transfers typically arrive in 1–2 business days depending on when you submit them - Your Instant card can only be loaded with wages, tips, and reimbursements from your employer IMPORTANT INFORMATION The Instant Financial App allows Instant Financial Prepaid Visa Cardholders and participants in the Instant Pay earned wage access service to manage their payroll card accounts and access earned wages ahead of pay day. There are fees for certain services, please see the Cardholder Agreement and fee schedule for additional information. The Prepaid card (or the Instant Payroll Card) is issued by Sutton Bank, Member FDIC, pursuant to a license from Visa U.S.A Inc. Visa is a registered trademark of Visa, U.S.A. Inc. All other trademarks and services belong to their respective owners. Cardholder Agreement and fee schedule: https://www.instant.co/us-cha/

Access the Pay You’ve Earned When You Need It Most We partner with employers to offer access to earned pay between paydays and our pay card solutions. How ImmediatePay Works Your earned pay is available to access after you finish your workday, thanks to time tracking and payroll connections with Immediate. Simply choose the amount you’d like to transfer, select where to send the funds, and confirm the details. It’s that simple—you’ve just been paid! Financial Wellness Tools Whether you’re looking to manage your expenses better, start saving for a financial goal, or build healthier habits, ImmediatePay gives you access to tools that can help improve your overall financial wellness. Financial Coaching: Do you have specific questions about your finances? As an enrolled user, you can access real-time financial coaching from our experts. Whether you need advice on saving for an emergency fund or improving your credit score, we’re here to help guide you! Financial Surveys: Take charge of your financial health with tools like the FinHealth Score® from the Financial Health Network. Assess spending, saving, borrowing, and planning behaviors to make smarter decisions to improve your financial well-being. Financial Education: Access hundreds of financial education articles and financial wellness calculators. Whether you’re just starting out or working toward long-term goals, these resources will help you make informed decisions no matter where you are in your financial journey. Prescription Savings: Save big on prescriptions for you and your family with up to 80% savings on medications at over 65,000+ pharmacies nationwide. Get Started with ImmediatePay Today ImmediatePay is offered through participating employers as a financial wellness benefit. If your workplace doesn’t have it yet, ask your employer to consider offering ImmediatePay so you can access the pay you’ve earned when you need it most.