The Earned Wage Access Provider
Built for Memphis Employers
The Greater Memphis Chamber has partnered with Express Wages to bring a financial wellness benefit exclusively to Chamber members. Express Wages provides earned wage access, emergency savings accounts, and financial education — all at no cost to employers. Employees who choose to enroll pay a small subscription fee directly, meaning your business gains a powerful retention and recruitment tool without adding a line item to your budget. Express Wages complements the benefits you already offer by helping employees build financial stability — reducing financial emergencies, absenteeism, and workforce disruption.
Ready to offer this to your team? Get Started Here
Financial Stress Undermines Your Benefits
Employees living paycheck to paycheck are more likely to drop health coverage, skip retirement contributions, and miss open enrollment — reducing the value of benefits you’re already paying for.
It’s a hidden driver of turnover. Financially stressed employees are twice as likely to job-hop for small pay increases. Every departure costs thousands in recruiting, training, and lost productivity.
Employees Lose $610+ Per Year
Overdraft fees, payday loan interest, and late payment penalties drain paychecks. Express Wages eliminates these costly alternatives.
Benefits Go Underused
Employees living paycheck to paycheck are more likely to drop health coverage and skip retirement contributions — reducing the ROI on benefits you’re already paying for.
3+ Hours Lost Per Week
Financially stressed employees spend significant time dealing with money issues at work — thousands in lost productivity annually.
Turnover Is Expensive
Replacing a single frontline worker can cost $4,000+. Financially stressed employees are 2x more likely to jobhop for small pay increases.
$0 Cost to Employer
60% Live Paycheck to Paycheck
$4K Cost to Replace Frontline Worker
2x More Likely to Job Search
Zero cost. Zero admin headaches. Real impact.
You make Express Wages available to your workforce. Employees who want the benefit sign up directly through the app. See what’s included below, or skip to sign up
Employer Enrolls
Connect your payroll or HRIS system and select which employee groups receive the benefit. Setup takes just a few days with support from our onboarding team.
Employees Choose to Enroll
Employees download the Express Wages app on iOS or Android and activate in under five minutes. They subscribe directly — nothing hits your payroll.
Financial Wellness Begins
Employees access earned wages before payday, build emergency savings automatically, and access financial education.
More than early pay — a complete financial wellness platform.
Employees access a portion of wages they’ve already earned before payday — eliminating the need for payday loans, overdrafts, or late fees.
Built-in savings tools help employees build a financial cushion, reducing crisis-driven decisions that lead to absenteeism and turnover.
Practical, on-demand resources covering budgeting, debt management, and paycheck planning — tools that create lasting behavior change.
Native mobile apps give employees instant access to all features — simple, fast, and secure.
Get Started with Express Wages
Offer financial wellness to your workforce at no cost. Complete the form below, and we will get you set up.
Interested in partnering or would like to learn more?
Contact Rob Recker, President, Chamber Benefits, Inc. by email or call 901-543-3537.