Drive Deposits and Loyalty with EWA

Earned Wage Access for Regional Banks

Clockout® enables your account holders to access earned wages before payday, right from your banking app. It’s a proven magnet for direct deposits, helping you grow core balances while empowering customers.

Trusted by industry leaders in financial services

Person holding a smartphone with a screen overlay showing a direct deposit switch form selecting Checking Account ending in 3213.

Hand holding a smartphone showing an app screen for advancing $125 with options for advance speed: Instant for $2.00 or 2-3 business days for free.

Smiling couple sitting on a couch with a pop-up message about using earned wages to save for a rainy day or invest for the future, each option with an Explore button.

01

Activate Direct Deposits

Incentivize customers to switch their direct deposits into your bank.

02

Generate Non-Interest Income

Generate fee-based revenue for every advance your customers make

03

Cross Sell Products

Incentivize customers to switch their direct deposits into your bank.

Product Features

Unlock New Revenue with Earned Wage Access

Clockout embeds effortlessly into your existing mobile and online banking platforms.

+1,600 Payroll Integrations

Nationwide coverage across national, regional, and long-tail payroll providers.

Two-click direct-deposit switch routed to your institution.

Fast, secure linking with user credentials, no employer setup required.

White stopwatch icon with number 7 on an orange background.

White lowercase letter 'h' next to a clock icon on a purple background.

Stylized letter C composed of two curved blue lines on a dark blue background.

Lowercase letter g in bold red font on a white background.

Major Digital Banking Providers

Prebuilt connectors for Q2, Banno, Candescent, Alkami & more.

Fully embedded & white-label in mobile/online banking; your brand, your UX.

Zero IT lift, configurable toggles, not projects; pilot to production in weeks.

Banking Cores

No core conversion or code changes, Clockout runs alongside your core as the system of record.

Configurable posting & GL mapping to align fees, waivers, and accounting policies.

Multi-core, multi-brand support to standardize EWA across your enterprise.

Experience Our Service

Seamless EWA
deployment options

Select your Digital Banking Provider:

Fully embedded into your existing mobile banking platform

Seamless user experience with your branding

EWA integrated into Q2, Banno, Candescent & more...

Learn More About Alkami Integration Learn More About Candescent Integration Learn More About Jack Henry Integration Learn More About Q2 Integration

Mobile banking app showing account balances for Primary Checking $542.43, Simple Checking $234.98, Primary Savings $834.09, and YourBank Early Pay $1,984.12 with navigation menu below.

Mobile banking app screen showing two checking accounts each with $1,832.75 available balance and $786.81 current balance, and a YourBank Early Pay with $435.33 available for Nov 1 to Nov 15 pay period.

Mobile banking app screen greeting Michael, showing checking account with $1,175.01 available, buttons for Transfer, Deposit, Pay, Early Pay, Earned Wage Access balance of $1,234.50 with Quick Advance option, and recent transactions including cinema, BBQ, utilities, and restaurant.

Experience Our Service

Ready to offer earned wage access?

Empower your customers to access earned wages instantly, within your mobile banking app.

Request a product demo

Receive a customized proposal

Get help onboarding

Trusted by industry leaders in financial services

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Built for the Next Generation of Financial Institutions

Clockout embeds effortlessly into your existing mobile and online banking platforms.

EWA Insights for Institutions

Download our white papers explaining EWA in depth with data from trusted sources.

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Latest News

Read our blog to keep up with Earned Wage Access and Clockout.

Grow Core Deposits with Clockout®