Empower Your Employees on Their Financial Wellness Journey

Savings Exchange is an innovative financial wellness platform designed to empower employees to manage their finances effectively and break free from the cycle of living paycheck to paycheck.

Schedule Your Personalized Demo

Savings Exchange
$10 Deposit
$3142.36

24
Hours Available

Why Savings Exchange?

Discover a brand new benefits product with Savings Exchange. Our platform empowers your workforce by seamlessly integrating with Payroll, HRIS, and employer benefit programs. Employees can easily their finances effectively, save for the future, and address their immediate financial needs—all while ensuring compliance with Secure 2.0 laws.

chart Seamless Integration and Accessibility

Savings Exchange integrates effortlessly with Payroll, HRIS, and employer benefit programs, allowing automatic enrollment in savings plans. Employees can easily allocate a portion of their wages to the Savings Exchange, providing quick access to funds for immediate needs without penalties.

recycle Flexible Contributions and Withdrawals

Employees have the flexibility to adjust their savings rates and withdraw from their accounts as necessary, accommodating changing financial situations while supporting their short-term and long-term goals.

sign Incentives for Participation

Employers can enhance employee engagement by offering matching contributions and financial incentives, encouraging saving habits and aligning with Secure 2.0 provisions to promote participation in the program.

favorite Security and Compliance

Savings Exchange prioritizes security by fully complying with Secure 2.0 laws, ensuring that all financial activities and employee data are managed with the highest level of privacy and protection. Integration with existing retirement plans further supports a holistic approach to financial wellness.

How It Works

Our platform seamlessly integrates with your existing HR and payroll systems, making implementation smooth and efficient. Employees can easily manage their exchanges through an intuitive interface, making the process straightforward for both HR teams and employees.

Revolutionize Your Total Rewards Program

Start boosting financial wellness for your employees by offering Savings Exchange. You’ll be able to easily turn on and off-exchange options and create a program that fits exactly your needs, all completely for FREE! Savings Exchange has a few capabilities:

Employee and Employer Benefits

Automatically enroll your employees in a savings plan with the option to opt-out, ensuring broad participation while respecting individual choice.
Employees can allocate a portion of their unused PTO or wages to a savings exchange, accessible for immediate needs without penalty, reducing reliance on credit cards or payday loans.

Matching and Incentives

Offer matching employer contributions or financial incentives to encourage broad participation and reward saving habits in compliance with Secure 2.0 provisions.
Allocate a portion of your employer match either with a matching pool of dollars or with reward tokens controlled by company-designed policy.

Flexible Contributions

Employees can adjust their savings rates and withdraw from their savings accounts as needed, offering flexibility to meet changing personal circumstances.
Quickly transfer to other financial institutions through ACH, Push to card, Paypal, Venmo, Zelle, or wire.

Integration with Retirement Plans and Student Loans

Seamless integration with existing 401(k) and Student Loan institutions, allowing employees to balance short-term needs with long-term goals.
Capable of supporting Secure 2.0 matching to both 401(k) and Student Loans.

Exchanges Made Easier Than Ever Before

Savings Exchange is now available on mobile! With employees on the go and navigating busy lives, making an exchange is now more accessible and easier with our mobile app. Available for download today on iPhone and Android.

iPhone Download Android Download

Discover The Hidden Cost of PTO within your Business

Schedule Your Utilization Analysis

Did you know that PTO could be costing your organization more than you realize?

As employees accrue paid time off, those dollars sit as a liability on your balance sheet. Salary increases and promotions increase that number over time and combine that with certain states requiring PTO payouts at termination, your PTO costs could scale out of control.

But PTO Exchange is the perfect tool to mitigate these costs all while providing employees with flexible benefits to fit their lifestyle.

Our team will calculate your hidden PTO costs and demonstrate the savings you can experience with our platform all for free!

Ready to Elevate Your Employee Benefits?

Join a growing number of organizations that have embraced the PTO Exchange revolution. If you’re looking for a solution that not only reduces turnover, but also enhances financial wellness and customized benefits, PTO Exchange is the answer.

“This is about as easy as easy gets! I was able to exchange my PTO faster than my newborn spits up formula - which is FAST! Also, I was holding my newborn when I did it, which shows exactly how fast and easy it is!”

Carol S.
New York

“I benefitted from donated PTO many years ago, which was so helpful for my family and me. I was blessed that my coworkers wanted to assist when my family members were significantly injured in an auto accident.”

John J.
New York