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. Fully Secure 2.0 compliant. Zero cost to the employer to offer.
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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, with no new employer cash outlay required.

WHY SAVINGS EXCHANGE
A Savings Benefit That Actually Works — for Everyone.
Background (1)
Automatic Enrollment

Employees are automatically enrolled in a savings plan with the option to opt out — the single most effective way to drive participation. Broad enrollment. Minimal friction. Maximum impact.

Background (2)
Emergency Access Without Penalty

Unlike 401(k)s or retirement accounts, Savings Exchange funds are accessible immediately for unexpected expenses — no penalties, no loan paperwork, no waiting. Employees stop turning to credit cards and payday loans for emergencies.

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Flexible Contributions and 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.

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Employer Matching and Secure 2.0 Compliance

Offer matching contributions or financial incentives to boost participation — fully aligned with Secure 2.0 provisions. Supports 401(k) matching, student loan matching, and integration with existing retirement plans for a seamless total financial wellness picture.

Background (5)
Seamless Integration

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

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 — 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 and align with your total rewards strategy. PTO Exchange handles all compliance, processing, and reporting automatically.

CAPABILITIES OVERVIEW
Everything Your Employees Need to Build Financial Resilience.
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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.

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Payroll Integration

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

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Flexible Transfers

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

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Employer Matching & Incentives

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

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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.

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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.

Download on iPhone
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 employer cost. No new benefit vendor. Just more value from the platform you already have.

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MOBILE APP MODULE

Savings Exchange — Now 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 costs your organization nothing to offer — and 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.

Explore the Live Demo Now
Explore the Live Demo Now

Frequently Asked Question

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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  • Outside of a nominal one-time implementation fee, there is no ongoing cost to the employer for PTO Exchange. The platform is funded entirely through an IRS-required service charge paid by

03

How quickly can employees access their savings?

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  • Outside of a nominal one-time implementation fee, there is no ongoing cost to the employer for PTO Exchange. The platform is funded entirely through an IRS-required service charge paid by

04

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

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  • Outside of a nominal one-time implementation fee, there is no ongoing cost to the employer for PTO Exchange. The platform is funded entirely through an IRS-required service charge paid by

05

Does Savings Exchange support Secure 2.0 compliance?

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  • Outside of a nominal one-time implementation fee, there is no ongoing cost to the employer for PTO Exchange. The platform is funded entirely through an IRS-required service charge paid by

05

Can employees fund Savings Exchange with their PTO value?

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  • Outside of a nominal one-time implementation fee, there is no ongoing cost to the employer for PTO Exchange. The platform is funded entirely through an IRS-required service charge paid by