EWA For All Your Employees
Not all Earned Wage Access is created equal. Chime Workplace requires employees to open a new bank account, pass identity verification, and reroute their paycheck before accessing a single dollar. Rain works with the account they already have from day one.
100% eligibility. No KYC. All 50 states.
Payroll deduction repayment. Employer remains in control.
Access to 50% of wages. Not a loan.
Zero regulatory actions. Zero data breaches. Ever..
How Rain and Chime Actually Compare
Rain
Chime Workspace
A Benefit Your Whole Workforce Can Use
A Benefit Your Whole Workforce Can Use
Requires every employee to open a Chime bank account, and reroute their direct deposit before accessing a single dollar. Employees without an SSN or government ID are permanently excluded. Entirely unavailable in 14 states.
Rain is bank agnostic and works with any existing account in all 50 states. Employees fill out 6-fields to enroll- no SSN, or DOB required, no KYC keeping part of your workforce from accessing the benefit. Employer-set limits, consistent and transparent across every employee. EWA access is 50% for all employees.
Stay in Control of How Your Employees Get Paid.
When employees use Chime, repayment can be pulled from any deposit into the employee Chime account, not just their employer issued paycheck. As the employer, you have no visibility or control, and if an employee leaves, Chime keeps collecting (up to 4 attempts).
In contrast, Rain works with employers by submitting deduction files and getting repaid through the standard employer payroll process, and never touches employee bank accounts.
Trusted by 3.5M+ workers. Zero enforcement actions. Zero data breaches.
Chime experienced 2 government enforcement actions in 2024 totaling $5.75M for freezing customer funds and mishandling complaints. They’ve had nearly 8,000 complaints in three years. Trustpilot reviews describe frozen accounts, unauthorized withdrawals, and unreachable customer service.
Rain has had zero regulatory actions, and zero data breaches. Ever. Rain’s G2 score is 4.8/5 score, customer Support NPS of 71, and a customer retention rate of 97%, showing a high level of trust from both employees and employees.
“Life does not always line up perfectly with a paycheck schedule, and this app makes it possible to access the money I have already earned without waiting until payday.”
How Goodwill Dallas improved retention and employee financial wellness with Rain’s earned wage access solution.
Goodwill Dallas strives to empower individuals in its community by providing them with the tools and resources they need to reach their full potential. For over 100 years, the organization has been dedicated to helping people achieve economic independence through job training programs, education services and support for those facing barriers to employment.
Goodwill Dallas wanted to support its employees by offering Earned Wage Access (EWA), and after careful consideration, the organization chose Rain for its responsible approach and alignment with its mission.
One month after swithcing to Rain:
51%
of employees have Rain accounts
26%
lower turnover rate of Rain users vs. non-users
5+
more hours worked per month from employees that use Rain
“Rain has opened a lot of doors for people that are in need. It has been a blessing for so many of our employees for many reasons. Being able to access Rain for them is life-changing.”
97%
100
71
0
Make Earned Wage Access Work the Way it Should
Reliable technology. Exceptional support. Unmatched security.
FAQs
No. With Rain, you stay fully in control. Following each pay cycle, Rain delivers EWA adjustments that import directly into your payroll system. You run payroll normally with wages, taxes, and deductions - including wages accessed early. Rain deduction code is of the lowest priority, after taxes, 401k, and other withholdings. You then reimburse Rain for the total deducted amounts.
We don’t hold funds, reroute pay, or change employee deposit accounts.
Most employers are up and running in less than 45 days. We support API integration or File exchange protocols with all major HCM, Payroll and Timekeeping providers.
No. Employees can use their existing bank accounts. We never require them to sign up for a new card or move their direct deposit to access their money.
Rain charges employees a small flat fee for instant transfers (or offers free next-day ACH). There are no hidden fees, tipping models, or account traps. Employees only pay if and when they use the service.
Nothing. Rain’s accessed wages are non-recourse. If an employee leaves before repayment, neither you nor the employee is on the hook. There’s no debt collection, and no liability for your company.