SAVINGS EXCHANGE

Help Employees Break the Paycheck-to-Paycheck Cycle. Without Adding to Your Benefits Budget.

Savings Exchange is a payroll-integrated financial wellness platform that automatically enrolls employees in an emergency savings plan, giving them a safe, accessible account to build financial resilience, cover unexpected expenses, and balance short-term needs with long-term goals. Savings Exchange is fully Secure 2.0 compliant.

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The Problem We Solve

THE PROBLEM WE SOLVE

63% of Americans Live Paycheck to Paycheck. Your Benefits Can Change That.

The average worker has roughly $3,400 in unused PTO, but can't cover a $400 emergency without going into debt. Financial stress doesn't stay at home. It shows up at work, reduces productivity, and accelerates turnover. Savings Exchange gives employees a structured, automatic path to building real financial security, using their existing payroll infrastructure.

WHY SAVINGS EXCHANGE

A Savings Benefit That Actually Works for All Employees.

Automatic Enrollment

Automatic Enrollment

Employees are automatically enrolled in a savings plan with the option to opt out for an effective way to drive participation. Broad enrollment means minimal friction for maximum impact.

Emergency Access Without Penalty

Emergency Access Without Penalty

Unlike 401(k)s loans, Savings Exchange funds are accessible immediately for unexpected expenses without penalty, paperwork, or waiting. Employees stop turning to credit cards and payday loans for emergencies.

Contribution & Withdrawals

Contributions & Withdrawals

Employees control their savings rate and can adjust it anytime. Withdrawals are processed quickly via ACH, push to card, PayPal, Venmo, Zelle, or wire, meeting employees where they are, with the tools they already use.

Secure 2.0 Compliancd Matching

Secure 2.0 Compliance Matching

Offering matching contributions or financial incentives to boost participation is fully aligned with Secure 2.0 provisions. Savings Exchange supports 401(k) or student loan matching and integration with existing retirement plans for a seamless total financial wellness picture.

Seamless Integration

Seamless Integration

Savings Exchange integrates natively with your payroll, HRIS, and existing benefit programs, including 401(k) providers. Setup is straightforward. Ongoing administration is automated.

Convert PTO to 401k or HSA Contributions

Convert PTO to 401k or HSA Contributions

This can sit within the existing "HOW IT CONNECTS TO PTO EXCHANGE" section, which already describes this functionality but currently only has an eyebrow label rather than a proper keyword-carrying heading. This single addition covers both the "PTO to 401k conversion" and "HSA contribution from PTO" keywords, since both concepts already live in that section's copy and the broader "Retirement Savings" and "Health Savings" categories mentioned elsewhere on the PTO Solutions page.

HOW SAVINGS EXCHANGE WORKS

Set It Up. Watch Financial Wellness Happen.

1

Automatic enrollment does the heavy lifting.

Employees are automatically enrolled in a Savings Exchange account through payroll. No complicated opt-in process, no paper forms. Broad participation is built in by design.

2

Employees save, and access funds, on their terms.

Employees choose their savings rate and can adjust it anytime. When an emergency arises, funds are accessible immediately and transferred to their preferred account with no penalty and no waiting period.

3

Employers amplify impact with matching and incentives.

Layer in employer matching, Secure 2.0 student loan matching, or reward tokens to encourage saving habits. Savings Exchange handles all compliance, processing, and reporting automatically.

CAPABILITIES OVERVIEW

Everything Your Employees Need to Build Financial Resilience.

Emergency Savings Account

Emergency Savings Account

A dedicated, accessible account for unexpected expenses, accessible immediately without penalties; eliminates reliance on credit cards, payday loans, and costly short-term borrowing.

Payroll Integration

Payroll Integration

Automatic contribution deductions through your existing payroll infrastructure. Compatible with all major HRIS and payroll platforms.

Flexible Transfers

Flexible Transfers

Fast, easy withdrawals via ACH, push to debit card, PayPal, Venmo, Zelle, or wire, however and wherever employees need their money.

Employer Matching & Incentives

Employer Matching & Incentives

Customize matching contributions or reward tokens to encourage participation and reward saving milestones, fully Secure 2.0 compliant.

Student Loan & Retirement Integration

Student Loan & Retirement Integration

Integration: Seamless connection to existing 401(k) and student loan institutions, supporting Secure 2.0 matching for both, so employees can balance short-term needs with long-term goals.

Mobile App

Mobile App

Available for iPhone and Android. Employees can manage their Savings Exchange account, adjust contribution rates, and initiate transfers from anywhere, at any time.

HOW IT CONNECTS TO PTO EXCHANGE

Even More Powerful When Paired with PTO Exchange.

Savings Exchange works on its own, and becomes even more impactful when employees can direct the value of unused earned PTO directly into their savings account. Rather than letting earned time sit unused on a balance sheet, employees can convert it into an emergency fund that's ready when life isn't. No new benefit vendor. Just more value from the platform already in place.

How It Connects To PTO Exchange
Mobile App Module

MOBILE APP MODULE

Savings Exchange Available on Mobile.

Managing savings shouldn't require logging into a desktop. The PTO Exchange mobile app gives employees instant access to their Savings Exchange account, so they can adjust contributions, check balances, and transfer funds wherever life takes them.

Give Your Employees a Financial Safety Net That's Always There.

Savings Exchange gives your employees something genuinely transformative: the ability to handle the unexpected without going into debt. That's a benefit worth talking about at open enrollment.

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Frequently Asked Questions

01

What is Savings Exchange?

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  • Savings Exchange is a payroll-integrated emergency savings platform that automatically enrolls employees in a savings plan, gives them flexible access to funds for emergencies, and supports employer matching, all fully compliant with Secure 2.0.

02

Does Savings Exchange cost the employer anything to offer?

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  • Savings Exchange can be offered at no direct cost to the employer when paired with PTO Exchange. Employer matching contributions are optional and fully customizable.

03

How quickly can employees access their savings?

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  • Immediately and without penalty. Employees can transfer funds via ACH, push to debit card, PayPal, Venmo, Zelle, or wire, with no waiting periods and no early withdrawal penalties.

04

How is Savings Exchange different from a 401(k) or HSA?

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  • Savings Exchange is designed for short-term financial resilience, emergency access without penalties. It complements, rather than replaces, retirement and health savings accounts, and integrates seamlessly with both.

05

Does Savings Exchange support Secure 2.0 compliance?

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  • Yes. Savings Exchange is fully aligned with Secure 2.0 provisions, including student loan matching and employer contribution incentives.

06

Can employees fund Savings Exchange with their PTO value?

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  • Yes. When paired with PTO Exchange, employees can direct the value of unused earned PTO into their Savings Exchange account, creating an employer-funded emergency savings benefit at no new net cost.