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 access your pay within 24 hours of completing your shift.
Access earned wages instantly with no debt or interest traps.
Choose where you want your money to go, whether that's your checking account for bills or your card for immediate spending.
Transfer up to 50% of your accrued earnings. Take what you need — you already earned it.
This isn't just another debit card. It's your direct line to the money you've already earned.
Connect your Rain debit card to instantly receive earned wage transfers. Your available pay flows directly to your card in real-time.
Swipe, tap, or insert your Rain Card at millions of locations worldwide. Pay for gas, groceries, bills, or online shopping with money you've already earned.
Need cash? Use your Rain Card at any in-network ATM with no fees. Find the nearest fee-free ATM right in the app. Out-of-network ATM fees may apply, but your earned wages are always accessible when you need them.
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.
When your bank balance starts to drop, we step in. Balance Protection moves money from your earned wages to your checking account, keeping you above your comfort zone and helping you avoid overdraft fees.
Connect your bank account securely so Rain can keep an eye on your balance daily.
Rain watches for warning signs that you might be at risk of an overdraft. When your checking account dips below $100, we automatically trigger Balance Protection to keep you safe.
We transfer money from your available earned wages to keep you above zero and avoid overdraft fees.
This FAQ document is designed to assist employees in learning more about Shutterfly's new partnership 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.
• ACH transfer to any bank account (1–3 business days): FREE
• Instant transfer to an external debit card: $3.49 fee per transfer
- Fee is adjusted from the next paycheck, not the transfer
Rain is available to all active Shutterfly employees aged 18 and older. Employees on a leave of absence are not eligible until they return to active status.
Rain uses two-factor authentication (2FA) to help keep your account secure. We recommend using your personal email and personal mobile number (not a shared or work device) so that only you can access verification codes during sign-up and whenever you log in. This helps protect your account and your earned wages from unauthorized access.
You may need to log in to the Shutterfly Employee Central portal to update your email and mobile phone number if Rain is unable to validate you are a current employee.
There's a short delay between when you update your information in Employee Central and when it syncs to Rain. Please allow 24 hours after updating your email or phone number before trying to sign up again. If it's been more than 24 hours and you're still having trouble, contact Rain's support team at rainapp.com/help-desk, 424-369-7246, or care@rain.us.
Plaid is a secure, third-party service Rain uses to connect your bank account for direct deposits and cash-outs. When you link your account, you'll be prompted to log in through Plaid using your bank's own credentials - Rain never sees or stores your bank password. Plaid encrypts your information and only shares the data needed to verify your account and move money. This is the same technology used by many major banking and finance apps.
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.
© 2026 Rain Technologies Inc.
