Employee FAQ.

Your employer sends you an invite link with a personalized signup code. Click it, fill in your basics (name, work email, phone), pick a savings goal, choose a per-paycheck amount, complete a 4-minute money primer, and link a savings account. About 5 minutes total.

Try the demo to see exactly what it looks like.

Not for the WealthNest signup itself. We collect: name, work email, phone, and an optional signup code.

The bank where your savings account is held (Fidelity is our default recommendation) handles their own KYC when you open the account — that's where any SSN or DOB step happens.

Into your own savings account at a regulated financial institution of your choice. WealthNest doesn't hold your money. We recommend opening a no-fee Fidelity Cash Management Account, but you can link any existing savings account through Plaid.

The contribution comes out of your paycheck before it hits checking, gets routed to that savings account, and stays there until you decide to use it.

Yes. The money in the savings account is yours. No penalty, no withdrawal limit, no waiting period. We recommend resisting the temptation to use it for non-emergencies (that's what the money primer covers), but the access is unrestricted.

Through your employer's standard payroll cycle, as a separate pay-line item. It shows up on a paycheck after you complete the trigger conditions:

• Signup bonus (typically 50% of the lifetime budget): paid after you finish the financial education, link a savings account, and have at least one $10+ paycheck contribution.
• Milestone match (the other 50%): paid when your savings balance reaches the milestone target (often $500).

The bonus is taxed as supplemental wages, like any other payroll bonus.

Your employer sees: enrollment status, completion of trigger conditions (yes/no), and aggregate participation metrics. They don't see your account balance, your transactions, your goal amount, or any of your personal financial details. We document this explicitly in the privacy policy.

The savings account is yours and stays with you. The employer's incentive payouts stop (those are a job-tied benefit), but your existing balance is unaffected. Your per-paycheck contribution stops because the payroll deduction ends.

If your new employer offers WealthNest, you can re-enroll there with a fresh signup bonus tied to that employer's program.

Three things make the workplace version different:

• Automatic. The contribution happens through payroll, before the money lands in checking. Out of sight, out of temptation — behavioral economics calls this the biggest reason people don't save consistently.
• Employer match. Your employer puts money in too, when you hit the milestones. That's typically $500-$1,000 you wouldn't otherwise have.
• Built-in education. The 4-minute money primer (and the longer Financial Wellness Module) help you actually use the savings well.