The Banking Marketplace
Built Into Onboarding
Choose one of our partner banks during onboarding. New hires can open an account in their own name and set up direct deposit in just a few clicks.
One Marketplace. Two Enterprise Partners.
EmStart connects employers and participating banks during employee onboarding.
Employers give new hires access to real banking choices. Banks acquire customers at the precise moment those employees decide where their wages will be deposited.
A Stronger Financial Start for Your Workforce
Give new hires access to real bank accounts during onboarding. EmStart supports financial wellness, employee satisfaction, retention, and productivity without changing your existing payroll cycle.
Customer Acquisition Through Employers You Trust
Acquire new customers through employers your bank selects and trusts. EmStart reaches employees at the precise moment they are deciding where their wages should be deposited.
Paycards Were Built for a Different Technological Era.
Employers have always needed a reliable way to pay employees who do not have bank accounts.
Paper checks were slow, expensive, and difficult to administer. Paycards provided an electronic alternative and solved a real operational problem for employers.
Today, banks can open accounts digitally, verify customers remotely, and connect approved accounts directly to payroll. Employees should no longer be limited to receiving a prepaid card simply because they did not have a bank account when they started a job.
Paycards Were a Meaningful Innovation. They Should Not Be the Final Innovation.
EmStart gives employers a modern path to reduce and eventually replace their reliance on paycards by allowing employees to establish real banking relationships during onboarding.
Employers do not have to eliminate paycards. EmStart can operate alongside an existing paycard program, giving employees access to another option while employers transition at their own pace.
From Onboarding to Direct Deposit
Choose
The employee compares participating banks during onboarding.
Open
The employee selects a bank and enters that bank’s secure account opening process.
Bank Approval
The selected bank retains complete control over identity verification, KYC, security, compliance, and account approval.
Ready for Payroll
Once the account is approved, EmStart connects with the employer’s payroll system to establish direct deposit.
Financial Wellness Starts With a Bank Account
A real bank account gives employees a foundation for receiving wages, managing money, building savings, and accessing additional financial services.
By bringing bank account opening into onboarding, EmStart gives employers a meaningful financial wellness benefit that begins on the employee’s first day.
Strengthen Retention
A better financial start builds trust and supports a stronger relationship between employees and their employer.
Improve Employee Satisfaction
Give new hires a modern banking experience at the moment they are establishing how they will be paid.
Support Workforce Productivity
Greater financial security can reduce financial stress and help employees remain focused and engaged at work.
Reduce Paycard Reliance
Give employees access to real bank accounts while keeping your current paycard program available during the transition.
Keep Payroll Simple
EmStart works through your existing onboarding and payroll systems. Your payroll cycle does not change.
Acquire Customers When Their Banking Decision Is Made
EmStart provides participating banks with a secure and scalable pipeline for acquiring customers through trusted employers.
The bank determines which employers may offer its accounts and retains complete control over every account opening and approval decision.
High Intent Customers
Employees enter the marketplace because they are actively deciding where their wages should be deposited.
Trusted Employer Distribution
Banks acquire customers through established employers that the bank selects and approves.
Direct Deposit From the Beginning
Approved accounts are connected directly to the employer’s payroll system, creating a direct deposit relationship from the start.
Bank Controlled Account Opening
The bank retains complete control over identity verification, KYC, security, compliance, and account approval.
Scalable Customer Acquisition
Banks gain an embedded distribution channel that can grow across employers, locations, and workforces without weakening existing standards.
EmStart Connects the Systems. We Never Touch the Money.
EmStart connects employee onboarding, participating banks, and the employer’s payroll system.
Once an account is approved and direct deposit is established, wages move directly from the employer’s bank to the employee’s selected bank account. EmStart never receives, holds, or moves employee wages.
Build the Next Generation of Employee Banking
For employers, EmStart provides a financial wellness benefit and a modern path beyond prepaid payroll cards.
For banks, EmStart creates a scalable customer acquisition channel through employers they select and trust.
For employees, EmStart provides access to a real bank account from day one.
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