Instant Financial vs Nine2Five

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/

Nine2Five offers a 7-day free trial. After the trial, a subscription is required to access all features: $2.99/month, $24.99/year, or $59.99 lifetime. Know exactly how much you've earned — down to the penny — while you work. Nine2Five is the pay clock calculator built for hourly workers, freelancers, and anyone paid by the hour. Clock in when your shift starts and watch your earnings tick up in real time. No more guessing, no more waiting for your paycheck to see if the hours add up. **LIVE EARNINGS TICKER** See your take-home pay grow second by second as you work. Set your hourly rate, configure your deductions, and Nine2Five handles the math automatically. **OVERTIME TRACKING** Set your OT threshold and multiplier. Nine2Five tracks your hours for the week and automatically switches to your overtime rate the moment you hit it — the app even turns amber so you know you're in OT. **PAYDAY COUNTDOWN** Always know how far away your next paycheck is. Nine2Five supports weekly, bi-weekly, semi-monthly, and monthly pay periods, with a customizable payday so the countdown is always accurate for your schedule. **BUDGET COVERAGE** Add your monthly bills and watch them get covered as you earn. Nine2Five shows exactly which expenses your paycheck has covered so far — rent, car payment, groceries and more — so you can see your money working in real time. **WORK HISTORY** Every session is logged automatically. Review your hours and earnings by day, week, or month. Add manual entries for days you forgot to clock in. **FUTURES CALCULATOR** See your projected yearly earnings based on your last 30 days. Set a savings goal and find out exactly what hourly rate you need to hit it. Whether you're working a 9-to-5, picking up shifts, or freelancing on the side — Nine2Five keeps your earnings visible, your budget covered, and your goals in sight. Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/