payactiv instapay

Payactiv continues to be a great partner. The exact amount may fluctuate, but you can see how much you have access to anytime on the app. IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW CARD ACCOUNT: To help the government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens a Card Account. App Store: Apple and the Apple logo are trademarks of Apple Inc., registered in the U.S. and other countries. Youll enjoy increased loyalty and lower turnover. When you link your bank or cards, Payactiv SmartSpend can help you build good spending habits and suggest what is safe to spend. We update the Payactiv app regularly to make it better for you. 2023 Payactiv, Inc. All Rights Reserved. Financial tech company PayActiv is also collaborating on Walmart's Instapay service. Workers face a variety of different hurdles on their journey to financial wellness. The Payactiv Visa Card is a reloadable prepaid card that can be used for purchases everywhere Visa debit cards are accepted. It gives us the ability to give you better guidance with what is safe to spend and what is safe to save when we have this information. Google Play and the Google Play logo are trademarks of Google LLC.Apple and the Apple logo are trademarks of Apple Inc., registered in the U.S. and other countries. You should consult your Cardholder Agreement and the Fee Schedule atpayactiv.com/card411. No entanto, o aplicativo Even no concede emprstimos, ao contrrio de outros aplicativos desta lista. 10. No. 2023 Payactiv, Inc. All Rights Reserved. Payactiv is a great app. Now I pay her on time.. There are no setup or recurring costs to the business. Thats why Payactiv provides employees with a toolkit of powerful, yet affordable financial services giving flexibility and breathing room to achieve the things they set out to do. Setting up direct deposit is the best way to get access to some of Payactivs most popular features. There is no cost to employers for offering Payactiv to their employees. Payactiv fronts the cash to the employees. Copy these numbers to fill out an online or paper form provided by your payroll department. Payactiv has API integration with most payroll and time and attendance system. The service will allow Walmart workers to access, before payday, half of the wages they have already earned. When possible, please email us your concern at support@payactiv.com with "App reviews" in the subject line. How is information shared between our Payroll system and Payactiv? The maximum accessible amount is determined by employer settings. How much does it cost businesses to offer Payactiv? feature every other pay period. The company announced in September it would not be hiring holiday workers, but rather upping the hours for existing workers. One of the key ways Employees benefit is the ability to access their earned wages in a variety of different ways including cash pick up from the flexibility to access wages for critical needs any time their local Walmart Money Center. The main difference is that the payroll card is issued through employers to disburse employees paychecks while the prepaid card is available directly to consumers via our website. Which means once you subscribe, no further steps will be needed to make Payactiv available to your employees. - Todd Baker, Senior Fellow Columbia Business School, - Lori Brown, Chief Experience Officer, The Results Companies. Contact us by phone at 800.385.1494 For OnShift Wallet specific questions, please call 855.210.9410 or email us at walletsupport@payactiv.com. ** Central Bank of Kansas City is the issuer of the Payactiv Visa Prepaid Card only and does not administer, endorse, nor is liable for the Payctiv App. We believe that building a financial technology business requires more than great technology and amazing design. I had to borrow from a Payday Lender when my car broke down. End of story. There are times Payactiv was the only reason I could pay bills, get gas and even eat. SurePayroll, while not given that geographically restricted because Versatile Pay, generally serves customers which have fewer than 10 group, including manager-only and you will just-proprietor firms that need to outsource brand new difficulty out of payroll computations and you will handling, the company said as a result so you're able to inquiries out-of Bloomberg Income tax. And even if you choose not to set up direct deposit, you just pay $1.99 to access your earnedwages. 2023 Payactiv, Inc. All Rights Reserved. A Warner Bros. It is not a credit card and applying for it and using it does not affect your credit score. Be sure to include your Employer's name, Employee ID, and Mobile number. Im always struggling to come up with the funds to pay her. Part-time workers are paid about $10 an hour on average, $2.75 more than federal minimum wage. When possible, please email us your details at support@payactiv.com with App reviews in the subject line. Desperately need money at times and I can always count on Payactiv. Use it to pay bills, get a ride, and pick up cash . PayActiv Earned Wage Access concept is simple: give employees access to their own earned unpaid moneyfor those hours already workedinstead of forcing them to endure late fees for payments missed or, worse, take on high-interest debt that can send them into a downward financial spiral. I am so relieved I can use Payactiv App. If you have questions regarding the Card or such fees, terms, and conditions, you can contact us toll-free at 877-747-5862, 24 hours a day, 7 days a week. Fill out the paper form that comes with your card in the mail. Its a zero-cost benefit that requires no change to cash flow. How do businesses offer Payactiv to their employees? He added that "what we do is provide timely access to their earned wages. If your employer offers EWA, all fees to access your earned wages are less than $3. Businesses that partner with Payactiv see significant cost reductions through increased recruitment, engagement and retention. I can just access PayActiv if I need some money like that.. Security guard, Single, 40 " use PayActiv to pay my baby sitter on time. Significantly lowers employee stress and improves overall employee wellness. Google Play and the Google Play logo are trademarks of Google LLC.Apple and the Apple logo are trademarks of Apple Inc., registered in the U.S. and other countries. Highest security standards are followed. Once an employer agrees to offer Payactiv as an employee benefit, the service can go live within 48 hours. Chicago Mercantile Association: Certain market data is the property of Chicago Mercantile Exchange Inc. and its licensors. Hi Josey, we're always looking to improve the experience for our users, and really appreciate the feedback. Before we created Earned Wage Access (EWA) in 2012, workers could only bridge the gap between needing money and getting paid with late and overdraft fees, or expensive payday loans. Read data from RUN Powered by ADP 2. Can't live without it. Now I use Payactiv for rent and groceries. Best Apps like Dave for Advance Cash (2022) The apps we mention in this article are all available on the iOS App Store or Google Play Store. You should consult your Cardholder Agreement and the Fee Schedule atpayactiv.com/card411. L i st o f al l fees fo r P ayacti v Vi sa P rep ai d Card - F ee S ch ed u l e Al l F ees Amo u n t Detai l s G et S tarted Card purchase $0. We can connect you with someone that can help. The benefit of using the Payactiv VisaCard* is that your earned wages transfer in real-time to the card. pacall1 This will be best handled by PayActiv, the company that powers Even's Instapay. Learn how thousands of companies have improved their retention, recruitement, and engagement by offering Payactiv. That $3 also covers transaction fees. All content of the Dow Jones branded indices S&P Dow Jones Indices LLC 2019 and/or its affiliates. Issues get handled quickly though. The app also includes free financial learning and counseling, discounts, and goal-based savings. Streamlines Payroll at No Cost It's also one of the few cash advance apps I've reviewed that offers cash advances. Create Your Account {"error":true,"iframe":true} App Store Google Play Is credit score a factor in using Payactiv? Access up to 50% of earned wages No changes to existing payroll No pre-funding or escrow What is earned wage access? 1 Many (but not all) employers, government benefits providers, and other originators send direct deposits early with an effective date of 1-2 days later. You can set up direct deposit in the following ways: Use the Payactiv app to get your Direct Deposit information, On the Card page, tap on the 3 dots in the top right corner of the screen, The routing number and your account number are at the top of the screen. 2M+ workers have saved $400M+ with Payactiv. App Store is a service mark of Apple Inc., registered in the U.S. and other countries. Its not a credit card or a loan, so theres no credit check and no cost to sign up. [9], In 2017, Walmart introduced salary advances through PayActiv. Walmarts facilitation of EWA through allows employees up to six EWA withdrawals every three months with two EWA withdrawals at no cost to the employee every three months. Employers or designated payroll providers process payroll. He took $45 for a $300 loan and gave me $255. Set money aside each paycheck, get financial advice, and get discounts on things like gas and prescriptions to help you reach your savings goals. I now use Payactiv to get me out of a bind. We provide on-site implementation and training where required. However, folks whose employers aren't enrolled in Payactiv are also eligible to use its services. Both free and low-cost options help save an average of $200 a month in overdrafts, late fees, and high-interest loans. All of your employees are eligible for this benefit from day one through an easy opt-in enrollment process. Fully integrated with ADP. For the under and unbanked, most if not all transactions are cash-based. Get paid up to 2 days early with direct deposit, Receive tax refunds and government payments up to 4 days early, Get surcharge-free withdrawals at 37,000+ MoneyPass, FDIC insured and protected by Visa Zero Liability Policy. PayActiv, a company in San Jose, California, that works with customers like Goodwill and Walmart, allows employees to access part of their wages before payday. We provide on-site implementation and training where required. Unele dintre cele mai populare aplicaii similare cu Dave sunt Earnin, Brigit, MoneyLion, Chime, Petal, Branch, Empower, Dave Advance, DaveQ i PayActiv. Pay bills, stay ahead of fees, and handle the unexpected with the greatest of digital ease. [7], PayActiv was founded in 2012 by Safwan Shah, Sohail Aslam, and Ijaz Anwar. 10.PayActiv. Yes I was still having an issue with the app and it happens every so often works for a while then does the same thing. Highest security standards are followed. How do you receive time and attendance data? Your employees get many financial wellness services and access to earned wages between paychecks. How is information shared between payroll systems and Payactiv? Consult issuer for additional details or visithttp://www.visa.com/security. ** Central Bank of Kansas City is the issuer of the Payactiv Visa Prepaid Card only and does not administer, endorse, nor is liable for the Payctiv App. 1 Standard rates for data and messaging may apply from your wireless provider. Pay a bill, call an Uber and get daily necessities from Amazon with EWA funds directly from the Payactiv app. Our mission is to help more people have access to the best financial services at the best possible pricezero. Here's a rundown of the fees they're charging to break you out of the 2-week pay cycle", "PayActiv: A New Service Available in Times of Need -", "PayActiv joins ADP as it takes on payday lenders", "Do paycheck advance apps improve financial health? EWA turns conventional wisdom on its head by letting workers access the money they have earned but have yet to be paid between paychecks. What employee information do employers share with Payactiv? There is no cost to employers for offering Payactiv to their employees. Payactiv is not a bank, we are a financial technology company that offers banking services provided by the Central Bank of Kansas City, Member FDIC. Use it to pay bills, get a ride, and pick up cash at Walmart. Learn how thousands of companies have improved their retention, recruitement, and engagement by offering Payactiv. Google Play and the Google Play logo are trademarks of Google LLC.Apple and the Apple logo are trademarks of Apple Inc., registered in the U.S. and other countries. You can transfer to the Payactiv Card or your personal card in real-time for free for less than $3. [18], In December 2020, the Consumer Financial Protection Bureau (CPFB) granted PayActiv sandbox approval to provide Early Wage Access (EWA). The company announced a new "Instapay" service for its 1.4 million workers. * The Payactiv Visa Prepaid Card is issued by Central Bank of Kansas City, Member FDIC, pursuant to a license from Visa U.S.A. Inc. Join more than 59k people that love us in the app stores. I consistently have issues with earned funds appearing at seemingly random intervals, and my hours worked constantly shows zero. Every pay period, you can access a portion of what youve already earned, up to 50%, and transfer to your card or bank account, or pick up cash from a Walmart Money Center. 2 Visa Zero Liability policy covers U.S.-issued cards only and does apply to ATM transactions not processed by Visa, or certain commercial card transactions. View our transaction pricing details. Tap on the Direct deposit menu item below and click the Email me the complete form button to have it emailed to you. Walmart offers a benefit feature called Instapay, which is powered by PayActiv Earned Wage Access (EWA). 1 2 The Payactiv Visa Card* has no monthly fees*, no inactivity fees* and no hidden fees*. [14] The bill limited the transaction fees and the number of transactions that EWA programs could provide. * The Payactiv Visa Prepaid Card is issued by Central Bank of Kansas City, Member FDIC, pursuant to a license from Visa U.S.A. Inc. Certain fees, terms, and conditions are associated with the approval, maintenance, and use of the Card. * The Payactiv Visa Prepaid Card is issued by Central Bank of Kansas City, Member FDIC, pursuant to a license from Visa U.S.A. Inc. Certain fees, terms, and conditions are associated with the approval, maintenance, and use of the Card. I used to pay $50 for late fees on my rent. Be sure to include your Employer's name, Employee ID, and Mobile number. PayActiv is a robust financial app, with features that includes automated savings if your PayActiv Visa card is linked to a bank account low balance alerts and capabilities to send money to friends and family who also have PayActiv cards for free. With Payactiv App I just access my own cash. You can even use your earned wages to pay bills, call an Uber, shop on Amazon or pick up cash at Walmart right from the app 1. You can reach the PayActiv support team by calling 1-877-915-7002. Applications Integrated RUN Powered by ADP Integration Type 1. Es funktioniert auch mit mehr als 18.000 Banken fr seine InstaPay-Funktion, die innerhalb eines Werktages Bargeld auf Ihr Bankkonto einzahlt. No loans, no interest-just your money, in your hands. Conventional wisdom says workers get paid when payroll cuts the check at the end of the week or the end of the month, and not a minute before. By adopting PayActivs program, employers like Walmart are demonstrating that sticking to the way pay has always been done is not the only option available to companies. The final app on our list of best advance cash apps like Dave is PayActiv. And why not? Payactiv, a Public Benefit Corporation and Certified B-Corp, is a holistic financial-wellness platform that provides employees on-demand access to earned but unpaid wages. 10.PayActiv. For salaried employees, Payactiv works as it would for any user. No. App Store is a service mark of Apple Inc., registered in the U.S. and other countries. Submit Offer instant and timely access to earned but unpaid wages to employees, an award-winning, socially responsible service proven to improve employee financial wellness as well as improve employee retention by at least 19%. I am very grateful to my employer for offering this benefit. I have my funds in a saving profile, so I'll move some money (or try to atleast) and it takes so long having to restart the app just to get everything there. Update: I was contacted by Drew from Payactiv concerning my issues and this review. We may also ask to see a copy of your drivers license or other identifying documents. [17] In August, 2020 PayActiv raised $100 million in Series C funding, led by Eldridge Industries. The rewards are substantial: with on-demand access to their own money, workers facing unexpected medical bills or car repairs no longer need to suffer the indignity of asking Human Resources for an advance. ', "Some Companies Offer a New Benefit: Payroll Advances and Loans", "Consumers seek early access to wages to soften coronavirus hit", "Visa and PayActiv are now providing quicker pay for those who need it most - CNN Business", "The derailment of California's payroll advance law", "Fintech Startup PayActiv Hires Ex-McGuireWoods Partner as Chief Legal Officer", "OnShift innovations enable workers access to wages before payday", "Synchrony, PayActiv join CFPB's compliance sandbox", "The FinTech Industry Wants to Give Desperate Workers an Advance on Their Next Paycheck. It's been a great help keeping my family afloat after my wife lost her job due to the pandemic. Everybody! . [15], In January 2020, David Reldy was appointed as the company's first Chief Legal Officer. Google Play and the Google Play logo are trademarks of Google LLC.Apple and the Apple logo are trademarks of Apple Inc., registered in the U.S. and other countries. If a worker is out of money but needs to pay his or her electric bill before payroll is processed, theyre on their own. App Store is a service mark of Apple Inc., registered in the U.S. and other countries. Employee login to financial wellness benefits - access earned wages, bank transfer, pay bills and more. Dow Jones: The Dow Jones branded indices are proprietary to and are calculated, distributed and marketed by DJI Opco, a subsidiary of S&P Dow Jones Indices LLC and have been licensed for use to S&P Opco, LLC and CNN. Powered by Payactiv, Wallet gives you the foundation to keep your finances on track and the tools you need to stay financially fit on your life-work . I never wanna go back. "We're investing to give our people financial tools that help provide more stability in their lives, which we believe will empower them to be all they can be when they are at work serving our customers," said Jacqui Canney, Walmart's chief "people" officer, in a prepared statement. The program has proven popular with hundreds of thousands of Walmart associates who use Earned Wage Access each month. Ive borrowed money to pay my rent, so that my phone doesnt get turned off. Payactiv fronts the money requested by your employees and is paid back when you process payroll normally. Make sure to look at various options and carefully compare their features before you start using any of the cash advance apps on this list. The PayActiv app launched in Australia recently after first launching in 2012 in Silicon Valley in the US. The service is convenient, when it works properly. Die Even-App vergibt jedoch im Gegensatz zu anderen Apps auf dieser Liste keine Kredite. Most stock quote data provided by BATS. CNN Sans & 2016 Cable News Network. Payactiv is proven to increase retention by an average of 30% and can save businesses millions in turnover cost. FDIC insured and protected by Visa Zero Liability Policy 2 Apply for a Card Learn More Customer service really sucks. About Us - Payactiv Your livelihood is our life's work We create products that empower more people to participate in the economy they helped create. Tambm funciona com mais de 18.000 bancos por seu recurso InstaPay que deposita dinheiro em sua conta bancria em um dia til. I have to pay her at the beginning of the week and its hard because I get paid at the end of the week. The developer provided this information and may update it over time. Anyone with a valid U.S. social security number who is 18 years or older may apply for the payroll card if their employer offers it. Over 500,000 Walmart associates have used PayActiv Earned Wage Access to get money between paychecks. Disclaimer. Payactiv Visa Card users with direct deposit enjoy free real-time EWA transfers and additional exclusive discounts. It's not useful for tracking anything, and I wouldn't depend on it for accessing funds. Once an employer agrees to offer Payactiv as an employee benefit, the service can go live within 48 hours. Secure bill payment You can use the money in your Payactiv account to pay bills directly from the app. I have a bank account but I used to pay overdraft fees every time my rent was due. App Store is a service mark of Apple Inc., registered in the U.S. and other countries. For those. That means more financial freedom for you and your family. Customer service is friendly but useless. Ever. Hourly Workers Push to Get Paid Sooner", "Hancock Whitney Bank Offers PayActiv EWA Program to Business Clients", https://en.wikipedia.org/w/index.php?title=PayActiv&oldid=1123807588, This page was last edited on 25 November 2022, at 20:25. 2023 Payactiv, Inc. All Rights Reserved. For workers who qualify, you can get an advance of up to 50% of your paycheck based on the hours you've worked. InstaPay is an interbank funds transfer service under the National Retail Payment System (NRPS) of the Bangko Sentral ng Pilipinas (BSP) which allows clients to electronically transfer funds up to P50,000, between their account and other accounts in participating banks and e-wallets in the Philippines, anytime, anywhere. It works with existing systems and theres no cost to the business in offering Payactiv services as an employee benefit. Even if an employee discontinues their employment, there is Zero Risk to employers, as Payactiv protects employers against financial losses associated with our service. Employees love Payactiv because it eliminates . Everybody! A team member will be in touch ASAP. Its not a loan and has no hidden fees. EWA turns conventional wisdom on its head by letting workers access the money they have earned but have yet to be paid between paychecks. They can even use their earned wages to call an Uber and get daily necessities from Amazon, or pay bills directly from the Payactiv app. Walmart, PayActiv, and EWA are opening up the possibility of writing a whole new story for the American worker. Spend and save with confidence There is no income or expense impact for the employer. Safwan Shah, founder and chief executive of PayActiv, said his company is not in the lending business but in the business of providing consumers with access to the wages for which they have earned but not yet been paid. This may result in your having access to the funds sooner. Cardholder must notify issuer promptly of any unauthorized use. How much does it cost businesses to offer Payactiv? When your card arrives in the mail, it will be attached to a card carrier with a direct deposit slip attached at the bottom. There are no setup or recurring costs to the business. It requires a profitable yet socially-responsible business model and a deep commitment to improving the lives of our users. How does the service work for salaried employees? 1 Standard rates for data and messaging may apply from your wireless provider. Access your earned wages through the Payactiv app 1 and transfer them to your existing bank account, debit card, or the Payactiv Visa Card*. PAyactiv visa card The card made for living your best life Get paid up to 2 days early with direct deposit 1 Receive tax refunds and government payments up to 4 days early 1 Get surcharge-free withdrawals at 37,000+ MoneyPass ATMs. In a recent PayActiv survey of 5,000 employees across 209 companies, 81 percent of users said they were more likely to stay in their job with their current employer because of the PayActiv benefit. With this integration, Payactiv can get employee PII data using real-time APIs, retrieve time and attendance data using real-time or batch APIs, and PUSH payroll deduction data as a batch through API once a pay period. Once for utility bills and then for rent deadlines.. use Payactiv to pay my baby sitter on time. Earn. Standard rates for data and messaging may apply from your wireless provider. ** Central Bank of Kansas City is the issuer of the Payactiv Visa Prepaid Card only and does not administer, endorse, nor is liable for the Payctiv App. Participation in PayActiv also lowers their stress levels, improves health outcomes, and increases employee retention by 19 percent, according to a Harvard Kennedy School study. If theres anything the events of the last two years and the ongoing impact 2023 Payactiv, Inc. All Rights Reserved. Adjust or transfer funds at any time. Once, I was being evicted, so I asked my sister but otherwise I just used to pay late fees regularly. Even Instapay is best for people who work for an eligible employer that's partnered with Even. Everything else can wait. Now those funds go where they belongin workers pockets and back into our economy. ** Central Bank of Kansas City is the issuer of the Payactiv Visa Prepaid Card only and does not administer, endorse, nor is liable for the Payctiv App. You should consult your Cardholder Agreement and the Fee Schedule atpayactiv.com/card411. OnShift and Payactiv Eliminate Fees For Earned Wage Access To Further Support The Senior Care Workforce, Paycor Partners with Payactiv to Launch New Mobile App Feature Paycor Wallet, Payactiv Best for the World B Corp for Second Year in a Row. 2022 Cable News Network. Instapay is part of a personal finance app called Even, which lets hourly and salaried workers plan ahead for bills, make savings goals and helps them figure out how much is okay for them to. Hence, our vision is simplebring financial security, dignity, and savings to the millions experiencing financial stress. Market indices are shown in real time, except for the DJIA, which is delayed by two minutes. - The Consumer Financial Protection Bureau (Bureau) issued a compliance assistance sandbox (CAS) approval order to PayActiv regarding specific aspects of some of its earned wage access (EWA) products. Free, instant access to a portion of wages before payday. PayActiv Inc., a Public Benefit Corporation and Certified B-Corp, provides holistic financial wellness services that include on-demand access to already earned but unpaid wages, as well as. You can find your employee ID on your pay stub or ask your manager, Creating a Payactiv account is free for all users and contains many free features including bill pay, discounts, financial counseling, and budgeting and savings tools. PayActiv is a financial services company headquartered in San Jose, California. Get exclusive discounts, top-tier services, and added convenience from the companies you trust the most, making it easier to do everything from one mighty app. Safety starts with understanding how developers collect and share your data. App Store is a service mark of Apple Inc., registered in the U.S. and other countries. It automates the data transmission between ADP and Payactiv. Even if your employer isn't enrolled in Payactiv, you can apply for the Payactiv Visa Card* and receive your paycheck up to 2 days early 1 and use our in-app savings tools, prescription discounts, and 1:1 financial counseling. It is Visa prepaid debit card is issued by Central Bank of Kansas City, Member FDIC, pursuant to a license from/by Visa U.S.A. After you apply in the app or online, you can use the virtual card immediately. There is no income or expense impact for the employer. * The Payactiv Visa Prepaid Card is issued by Central Bank of Kansas City, Member FDIC, pursuant to a license from Visa U.S.A. Inc. Certain fees, terms, and conditions are associated with the approval, maintenance, and use of the Card. Factset: FactSet Research Systems Inc.2019. Get Started With Other Employer-Offered Products. Google Play: Google Play and the Google Play logo are trademarks of Google LLC.App Store: Apple and the Apple logo are trademarks of Apple Inc., registered in the U.S. and other countries. Source: Visa research on the impact of Earned Wage Access on employee wellness, satisfaction, and productivity. You should consult your Cardholder Agreement and the Fee Schedule atpayactiv.com/card411. How do you receive time and attendance data? [16] PayActiv partnered with OnShift in March 2020 to provide early wage access to workers in healthcare and rehabilitation facilities during the COVID-19 pandemic. How does the service work for salaried employees? Several hundred thousand users and over a billion dollars [earned wages] have been accessed by our associates. PayActiv. Our team will be in touch ASAP. If you have questions regarding the Card or such fees, terms, and conditions, you can contact us toll-free at 877-747-5862, 24 hours a day, 7 days a week. They tell us every day how access to Payactiv helps them live financially more secure lives. [22], Last edited on 25 November 2022, at 20:25, "These 5 paycheck-advance startups have attracted a big wave of VC funding. Transforming how employees can access paychecks and financial resource tools SAN JOSE, CA, July 14, 2022 Payactiv, Inc, a Certified B Corp and leading 2023 Payactiv, Inc. All Rights Reserved. [19], As of 2021, the company had partnered with 1,500 employers, including Walmart, Wendy's, and Pizza Hut. After that, employees can pay $3 a pay period for access to Even Plus, a premium version of the app that offers additional financial services.

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