Get paid when you need it
Transfer funds instantly to your bank account, whenever life throws you a curveball.
In moments of financial stress, Rain helps you weather the storm and build toward financial health. From on-demand pay and protection from overdraft fees to no-fee debit cards and automated savings plans, Rain provides you with a valuable lifeline to ease financial stress.
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Skip the traditional 2-week pay cycle and get access to your pay the moment you complete your shift.
Access earned wages instantly with no debt or interest traps.
Transfer earned wages directly to your Rain debit card for immediate spending. It's fast and free.
This give you a direct line to the money you’ve already earned.
No more waiting for payday, transfer your earnings to your Rain debit card for free.
Swipe, tap, or insert your Rain Visa® Debit Card at millions of locations worldwide. Pay for gas, groceries, bills, or shop online with money you've already earned.
Need cash? Use your Rain Visa® Debit Card at any ATM to access your money exactly when you need it. ($3.50 fee per ATM withdrawal. See Agreement for details.)
*This optional offer is not a Pathward ®, N.A, product or service.
Rain is not a Bank. Rain Bank Account is a demand deposit account established by, and the Rain Debit Card is issued by, Pathward ®, N.A., Member FDIC, pursuant to a license by Visa U.S.A. Inc, and can be used everywhere Visa debit cards are accepted.
Spending Trends helps you visualize exactly where your money is going.
See where you're spending your money — entertainment, transportation, groceries, and more.
View your spending habits between current and previous months.
When an linked account gets below $100, get a notification to avoid overdraft fees.
This FAQ document is designed to assist employees in learning more about on demand pay with Rain. If you have additional questions about the program after reviewing this FAQ, please contact Rain directly by phone, (424-369-7246), or email, care@rain.us.
Rain is a financial wellness benefit offered by your employer. Through the Rain app, employees can access their earned wages before their regularly scheduled payday.
Through the Rain App, employees sign up for the Rain debit card. They can then advance up to 50% of their earned wages before their scheduled payday, directly to that debit card at no cost. The amount of advanced pay is then deducted from the employee’s next paycheck. The pay advance is not deemed a loan and no interest is assessed. The Rain debit card can be used in-store or added to your digital wallet.
Rain is not a loan, and there are no fees or interest. The money advanced from Rain is the money that an employee has earned at work. Anything advanced will be deducted from the employee’s next paycheck.
Your employer signed up for Rain so that employees can access wages from the Rain app. Earned wage information comes directly from your workplace. Employees will see earned wages in the Rain app within 24 hours of a completed shift.
When the immediate need for funds occurs between paychecks, Rain can provide employees with alternatives to high interest rate payday loans and high overdraft fees.
Pricing applicable to New York and Connecticut residents only.
Hourly employees: For pay advance purposes, eligible pay is always calculated based on the employee’s hourly wage rate
Salaried employees: Eligible pay is calculated to an hourly rate using a formula that is based on the employee’s annual salary.*
*The employee’s annual salary is converted to a bi-weekly salary, (annual salary divided by 26 paychecks annually), then to a daily salary (bi- weekly salary divided by 14 days in the pay period), then to an hourly salary (daily salary divided by 24 hours in a day). For pay advance purposes, a salaried employee then accrues eligible pay every 4 hours throughout the pay period. For example, an employee with a $50,000 salary will accrue $5.72 every hour, 24/7.
Rain receives employee’s punch data multiple times per day, and the Rain app will reflect a balance of pay that can be advanced. Therefore, wages will be reflected in the Rain app within 24 hours of the employee’s shift ending.
Download the free "Rain Instant Pay" App from the Apple App Store or Google Play store. Create an account and select your employer. Use the email address and phone number that matches your payroll profile.
You may need to log in to your employer’s payroll self service portal to update your contact information if Rain is unable to validate you are a current employee.
No. Rain is a voluntary optional benefit. If you do not wish to participate, no action is needed.
Rain complies with all consumer protection guidelines, including the requirement to delete customer information at the user's request. There are 2 ways to end your enrollment in Rain: 1) Remove the link to your debit card and/or banking information and delete the app from your phone. 2) Contact Rain directly and request deletion of your account and your personal information.
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