How does Fortuna differ from other On-Demand Pay (Earned Wage Access) or payroll card companies?

With a Fortuna All-in-One account, you get a service like other On-Demand Pay (Earned Wage Access) companies but with no monthly subscription fees, no requirement to switch your direct deposit from your existing bank, and a no-fee option if you’d like to transfer your On-Demand Pay funds out of your Fortuna account*.

You also get online banking financial benefits such as a high-yield rate APY**, the ability to view your credit score, and no-fee withdrawals at Allpoint® ATMs***. If you’d like to transfer money out of your account, Fortuna All-in-One accounts offer a no-fee transfer which takes 5-7 days, same-day transfers for a $5 fee and a $3 option for next-business-day (aka “next-biz-day”) transfers. It’s free to sign up for a Fortuna All-in-One account. A Fortuna All-in-One account combines the power of On-Demand Pay and lucrative bank offerings to bring you a best-in-class, all-in-one financial solution. 

With a Fortuna Flex Pay account, you get a service like other On-Demand Pay (Earned Wage Access) companies, at a competitive per-transfer fee, and without monthly subscription fees or a requirement to switch your direct deposit from your existing bank*. We offer same-day transfers for a $5 transfer fee and next-business day transfers for $3.

*The balance of funds available through Earned Wage Access is disclosed within the Fortuna app. The availability of these funds is contingent on your employment and paycheck history.

**The Fortuna All-in-One account is a prepaid account and not a traditional interest-bearing checking or savings account and is designed to encourage savings deposits through a rewards program funded exclusively by Fortuna. The Fortuna All-in-One account offers 3.00% in rewards on eligible balances, which is a variable reward rate that may change at any time. Rewards are calculated daily based on the end-of-day balance, using the actual number of calendar days in the year, and are rounded to the nearest cent. These rewards are applied only to account balances up to $10,000, with no minimum balance required. By promoting savings behavior through this innovative rewards structure, the Fortuna program stands apart as an initiative rather than a conventional interest-based offering. 

***See Terms for fees, such as out-of-network ATM ($2.50) or over-the-counter withdrawals, lost card replacement, or faster-than-standard fund transfer.