Rain Rainy Day Fund

Rainy Day Fund

Introducing the Rainy Day Fund

Between debt, bills, rising costs of living, and inflation, employees are left struggling to build a financial cushion. 43% of Americans can't cover a $1,000 emergency, and traditional savings tools don't make it easy.

The Rainy Day Fund changes that. Built directly into Rain, it lets your employees set a target and actually hit it — automatically, from every paycheck, with no extra apps or effort required.

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Problem

One unexpected expense can spiral into debt, financial stress, and distraction at work.

24% of Americans have no savings at all.

60% are uncomfortable with their current savings levels.

Around 29% of Americans currently hold more credit card debt than they have in emergency savings.

Solution

Simple, low-cost alternative to traditional banking

The Rainy Day Fund gives employees a dedicated place to set money aside — directly inside their Rain Bank Account.

No new account
No extra sign-up
No fees*

Just a simple, automatic habit that builds a financial cushion over time.

How it works

Users add money via EWA, external accounts, or direct deposit.

Users choose a portion of their Rain Bank Account balance to set aside with one tap.

Balance grows over time, and is kept separate from their Rain Debit Card spending balance.

Trusted by top teams

Remove financial stress that kills your business productivity, attendance, and engagement.

Reduces financial anxiety and day-to-day money stress
Builds the habit of setting funds aside
Keeps funds accessible — not locked away — when life happens *
No fees, no new KYC, no extra steps

^{* Additional fees may apply}

Show employees you're invested in their future beyond just access to pay.

Strengthens your financial health beyond just emergency earned wage access
Signals that your company invests in employees' full financial picture — not just their next paycheck
Gives employees a sense of control and progress, turning financial stress into confidence

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From our clients

“It’s a benefit in today's employment environment that people in our industry expect.”

Richard, VP of Human Resources, Cafe Rio

Rain Technologies Inc. is not a bank. Rain Technologies Inc. is a financial technology company, and provides these disclosures on behalf of itself and its affiliates. Other types of banking services are provided to select customers by Evolve Bank & Trust, Member FDIC. The FDIC provides deposit insurance to protect your money in the event of a bank failure. Learn more about deposit insurance.

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Rain is not a Bank. Rain Bank Account is a demand deposit account established by, and the Rain DebitCard 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.

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Rain Technologies Inc. is registered with the California DFPI under the CCFPL, with registration number 04-CCFPL-2623400-3635550. Rain Technologies Inc. NMLS ID: 2623400.

Rain Technologies Inc. is licensed by the Wisconsin DFI, with license number 2623400EWA.

Services are provided by Rain Technologies Inc. NMLS# 2623400. This licensed company may be verified through the NMLS Consumer Access website, available at https://www.nmlsconsumeraccess.org/.

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Step 1: Funds arrive in Rain Bank Account

Step 2: Balance is set aside

Step 3: Rainy Day Fund grows

Step 1: Funds arrive in Rain Bank Account

Step 2: Balance is set aside

Step 3: Rainy Day Fund grows

See Rain in Action

Step 2: Balance is set aside 