ImmediatePay vs UKG Wallet

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.

Count on UKG Wallet™ being there for you to give you access to your earned wages before payday. Pay bills, stay ahead of fees, and handle the unexpected — with the greatest of digital ease. Powered by Payactiv, Wallet gives you the foundation to keep your finances on track and the tools you need to stay financially fit on your life-work journey. With Wallet, you’ll get: Faster access to your money • Up to 2 days early deposit of your paycheck2 • Up to 4 days early deposit of government payments2 • Immediate access to wages earned today3 Easy, free, instant mobile payments • Receive and send funds to other members • Send funds by phone number • Money is available immediately SmartSpend and SmartSave to stay on track with your goals • Always know what’s safe to spend • Track your spending habits at a glance • Low balance alerts • Auto transfer from earned wages3 Banking without the hidden fees • No minimum balance requirements • No overdrafts • No monthly or inactivity fees • Surcharge-free withdrawals at 37,000+ MoneyPass® ATMs • Free integrated bill pay • Cash withdrawal at tellers in participating banks Convenience and security you can count on • Use the card with Apple Wallet • Touchless payments at stores • FDIC insured • Protected by Visa’s Zero Liability protection • Lock or replace lost or stolen cards • 24/7/365 support in English and Spanish Please note, UKG Wallet is only available to authorized customers of UKG. ----- 1The Wallet Visa® Prepaid Card is issued by Central Bank of Kansas City, Member FDIC, pursuant to a license from/by Visa U.S.A., Inc. Certain fees, terms, and conditions are associated with the approval, maintenance, and use of the Card. You should consult your Cardholder Agreement and the fee schedule at payactiv.com/card411. If you have any questions regarding the Card or such fees, terms, and conditions, you can contact us toll-free 24/7/365 at 1 (877) 747-5862. 2 Many (but not all) employers, government benefits providers, and other originators send direct deposits early with an effective date of 1-4 days later. Beginning with your second direct deposit of at least $5 from the same source, the Central Bank of Kansas City (CBKC) will post the funds to your Wallet Visa Prepaid Card when we receive it, rather than on the effective date. This may result in your having access to the funds sooner. The date CBKC receives your direct deposit and the effective date are controlled by the originator. 3 Earned Wage Access requires employer participation.