OnDemand Pay

What is FlexWage OnDemand?

FlexWage OnDemand is an employee benefit that enables employees to access a portion of their earned wages before payday to solve for short-term cash needs without borrowing money, incurring late fees or bouncing checks. Upon request, funds are instantly deposited onto a personalized Flexwage Visa Payment Card.

How does FlexWage OnDemand work?

Through FlexWage OnDemand employees are able to withdraw a percentage of their earned wages before payday, in between paychecks. FlexWage calculates earned wages by using payroll and time data; wages are accrued daily based on hours worked per day. Once your account has been established, requested funds are immediately transferred to a personalized FlexWage Visa Payment Card, and available for use. The amount withdrawn is automatically deducted from your next paycheck.

How do I enroll?

To enroll in the program, get the access link from your employer and complete the enrollment form. You will receive a personalized FlexWage Visa Payment Card in 5 to 7 business days. After receiving your payment card, you must Register your account at Flexwage.com and create your username and password. At this time you can also download the free FlexWage mobile app for iOS or Android phones.

Once you are registered you can Sign in and use the service at any time through the app or via www.flexwage.com.

Are there any fees to use FlexWage?

Fees vary by employer, but are significantly less than the cost of short-term borrowing and overdraft fees.  Any fees along with the transaction amount will be deducted from your paycheck. There is no interest or payback period.

How do I request funds?

You can request funds via the mobile app or by logging into your account.  You will see your FlexWage balance and policies to determine if you have eligible earned wages to withdraw funds. Balances are accrued based on hours worked. If you have not worked any hours during the pay period, then funds will not be made available to withdraw. Funds are immediately available upon request.

Is there a minimum withdrawal amount?

Minimum withdrawal amounts vary by employer.

How many withdrawals can be made in a pay period?

After enrollment and registration, you can Sign In to review the percentage of wages available for withdrawal and the number of times you can use FlexWage per pay period, per month and per year.

Why is my FlexWage Balance at $0 after a withdrawal?

Once you use your allocated number of withdrawals for the current pay period, month, or year, your available balance zeroes out for the remainder of the pay period. Any remaining earned wages will be paid out on the usual payday.

Flex Pay

What is Flex Pay?

Flex Pay is an employee benefit that enables employees to have immediate access to tips, commissions, bonuses and other one-time compensation (e.g. not regular paychecks) by requesting that those funds be deposited onto a personalized Flexwage Visa Payment Card.

How does Flex Pay work?

Through Flex Pay employees are able to request a Transfer of funds from the balance in their account to their Flex Wage Pay Card.   Employers make funds available to the employee for non-payroll related events like tips owed at the end of the evening, bonuses, commissions or compensation for contract work (1099s).

Pay Card

What is the FlexWage Pay Card?

FlexWage Pay Card is an opt-in pay solution that provides employees a Visa prepaid debit card for direct deposit of their paycheck and other compensation, making those funds immediately accessible via the card on payday. The Pay Card eliminates expensive check-cashing fees and money orders, and gives cardholders free ATM access at 55,000 Allpoint ATM locations.

How does the FlexWage Pay Card work?

For employees who enroll in the program, once the card is activated for direct deposit it can be used to make purchases anywhere Visa is accepted – at millions of merchants worldwide – or to withdraw cash from ATMs displaying the Visa or PLUS logos.

What are the advantages of the FlexWage Pay Card?

The FlexWage Pay Card provides immediate access to pay on payday, as pay is deposited directly onto the card – no more waiting for paychecks to clear.  Employees in the Flex Pay program  have tips and other types of one-time compensation deposited directly to the card, also.  The Pay Card eliminates expensive check-cashing fees and money orders for employees who receive paper checks or do not have bank accounts. Additionally, cardholders can shop anywhere Visa cards are accepted; have free ATM access at more than 55,000 Allpoint ATM locations; and pay bills online or transfer funds to a bank account once per pay period for free. The Pay Card can be replaced if lost or stolen; money on a lost or stolen card is covered by Visa’s Zero Liability Fraud Protection.

Where can I use the FlexWage Pay Card?

Cardholders can use their FlexWage Visa Pay Card at all merchants who accept Visa and access cash for free via the Allpoint ATM network.  In addition, cardholders can pay bills online or transfer funds to a bank account once per pay period for free.

How are funds placed on the card?

Once the Pay Card is activated, the employer will deposit the employee’s available compensation (paycheck, tips, commissions, etc.) onto the card instead of issuing a paper check or directly depositing the paycheck into a checking account.

What if my Pay Card is lost or stolen?

Cardholders should immediately notify Customer Service at 1-888-621-1397 and choose the lost or stolen card option. Customer service representatives are available 24 hours a day, 7 days a week to handle lost or stolen issues. Cardholders can also write to: Cardholder Services, P.O. Box 7235 Sioux Falls, SD 57117-7235 to report the card lost or stolen.

Is the Pay Card a credit card?

No. The Pay Card is a prepaid debit card. However, purchases at a Visa merchant will require the cardholder signature. Merchants with the INTERLINK symbol will allow cardholders to purchase using their four-digit PIN number like a debit card. Also, the card can be used at ATMs carrying the Visa or PLUS logo. To avoid PIN-based processing fees at Visa merchants, users can choose the credit option.

Can the card be used to get cash from ATMs?

Yes. By using the PIN number, the cardholder can get cash from ATMs anywhere they see a Visa or PLUS symbol displayed on the ATM. Typically there will be a charge by the ATM owner for using this ATM. To help avoid ATM charges, FlexWage offers free owner surcharge ATM access through their partnership with Allpoint. There are 55,000 Allpoint ATM locations. Find an Allpoint location near you.

Is a PIN (Personal Identification Number) required?

The Pay Card can be used anywhere Visa Debit is accepted. Cardholders sign the receipt just like a Visa credit card transaction. However, a PIN is needed for ATM transactions and for purchase transactions when cash back is needed.  Once you receive your card in the mail you will call the toll free number to activate the card and set up a personal PIN.

 How do I check the balance on the card?

Cardholders can check their balance on-line by clicking Sign In at www.flexwage.com or by calling 1-866-466-8025.

Can a cardholder get cash back with purchases?

Yes, but only on PIN-based debit transactions at merchants that allow cash back transactions.

If the purchase is for more than the balance on the card, can the difference be paid separately?

Yes, the cardholder can pay the difference between the purchase price and the remaining value of the Pay Card if the merchant will allow this type of transaction.

Can a cardholder use a Pay Card at “pay at the pump” gasoline stations?

Yes, but a minimum amount, currently $74, will be automatically authorized and this may result in “transaction declined” if the balance is below this amount. The card terminal in “pay at the pump” stations automatically checks with the bank to see if the Pay Card has enough money left to pay for an average purchase of gas, which varies among merchants. If the Pay Card does not have enough money to pay for this amount, the attempt to pay at the pump will be declined. If this occurs, a cardholder can go inside and ask the cashier to authorize an amount that is within the remaining balance of the card.

Are there any other merchants where a transaction may be declined?

Some merchants, including restaurants, bars, salons, spas, transportation services, hotels, car rentals and cruise lines, may require a balance of up to 20 percent above the purchase amount to cover gratuity or other expenses. Transaction at these merchants will be approved if there is sufficient value available on the card to cover the entire transaction amount, including the purchase amount and gratuity or other expenses.

Can a cardholder load additional funds to the card?

Yes, in addition to electronic paycheck deposit, funds can be loaded via the Visa ReadyLink network. Find a ReadyLink location here.

 What fees will be charged to the balance?

Refer to the cardholder terms and conditions sent with the card or the cardholder terms and conditions can be accessed in your app.

 Why was my account assessed a $4.95 fee?

Cardholders who do not make a transaction or receive a deposit for 180 days (6 months) are charged an inactivity fee by FlexWage Solutions. Please refer to the cardholder terms and conditions sent with the card. The cardholder terms and conditions can also be accessed when you sign into the app.

Which issuing bank does the Pay Card use?

Meta Bank is the issuing bank for the FlexWage Pay Card. The Pay Card is serviced through FlexWage Solutions LLC, www.flexwage.com.

Can I cancel or deactivate the Pay Card? Are there cancellation fees?

You can cancel and deactivate your card at any time for no fee.  It is recommended that funds on your Pay Card be removed before cancellation.

What if I were to leave my employer? Can the Pay Card be transferrable for use at another company?

The Pay Card is transferable.

SUM180

How can I reach Sum180 for assistance?

Click Help and send us your question. We will respond within the next business day. During business hours (9 am – 5 pm ET), please feel free to chat with us using the Support Online link at the right side of your screen.  You can also send us a message from the app by clicking on Ask a question.

I’m having trouble logging in/the app is acting weird.  What do I do?

If you experience some odd behavior, it could be because we’ve put out an update and your phone is caching things for you.  It’s a good practice to uninstall the current version of the app and then download and install the latest version from the AppStore or Play store.  If that doesn’t fix it,  definitely reach out (see above) so we can help you!

How long does my membership last?

Sum180 is provided by sponsors to its sponsored members in one-year periods.  For one year, you will be able to access and utilize your account. Renewals are managed by your sponsor.

Do I need to provide personal and financial data to use Sum180?

After you register and activate your account with Sum180, we ask you to provide personal and financial data, including by linking to your financial accounts, to create insights and projections that show you how you can accomplish your financial goals. The more accurate and complete the data, the more focused our insights and projections can be.

Does Sum180 incorporate information about my partner/spouse, if applicable?

Yes, you may select the option to include your partner/spouse in your Sum180 information gathering, insights and projections during the on-boarding process.

What financial information and documents will I need to gather/prepare?

You can start using Sum180 without gathering any information ahead of time, but as you progress, you will be prompted to provide or link to personal and financial data that will allow Sum180 to create insights and projections to help you reach your financial goals.  When you’re logged in at sum180.com you can find those documents under My Info/GatherMyInfo.

How do I know my personal and financial information will be kept secure?

Sum180 uses bank-level security to protect your information.  Storing of your personal and financial date that you provide is encrypted, and areas of the Sum180 site where your data are stored are password-protected.  When you’re online at sum180.com, you will always know when you are in a private and secure session when you see the green padlock in the address bar of your browser.

How do I know I can trust Sum180’s insights and recommendations?

Sum180’s insights and recommendations are based on the principles of the Alliance of Comprehensive Planners (formerly the Alliance of Cambridge Advisers founded in 1995), fee-only advisors known for having among the highest professional advisory standards in the country. Fee-only advisors conduct their business under a “fiduciary duty” which means, by law, they must have their clients’ best interests at heart.  Fee-only advisors have no inherent conflicts of interest because they don’t accept fees or compensation based on product sales.

Sum180’s financial adviser coaches are Certified Financial Planners (CFPs) or the equivalent, with strong tax backgrounds and full members of the National Association of Personal Financial Advisors (NAPFA), which holds advisors to strict codes of professional and ethical conduct.

Sum180 is a planning firm, not an investment advisor, and, as such, neither Sum180 nor its coaches give investment advice under any circumstances. They provide financial planning and education that considers your whole picture – your savings, debt, house and other assets – so you have a complete understanding of your financial picture as you move toward your goals.

Need help with FlexWage?

For FlexWage technical support and questions, contact FlexWage Solutions at 1-888-754-8866 or email support@flexwage.com. Support is available Monday to Friday, 7 a.m. to 4 p.m., MST.