DailyPay FAQs

DailyPay is a voluntary benefit that allows you to track, save and transfer your earned available balance on your own schedule. With DailyPay, you can track your daily income with updates after every shift you work, transfer earnings instantly or the next business day, automatically save a portion of your paycheck and access free financial wellness tools.
 

Benefits of DailyPay for Carle Health team members:

• Helps improve financial stability by enabling on-time bill pay.
• May reduce dependence on familial family support.
• Helps provide support to those who live paycheck to paycheck.
• May reduce financial stress.
• Pick up a second shift and get paid the next day.
• Cover an unexpected expense that comes up before payday.
• Transfer pay to a savings account to help save for the future.

How does Daily Pay work?

For each active work hour, you build an available balance. A portion of these earnings can be transferred early, if needed.

How much does it cost? 

There is no fee for signing up with DailyPay or accessing funds the next day. You may only pay a fee when you make a same day transfer. 

What happens on payday?

On payday, you will receive your net earned pay, less any early transfers and fees. Since DailyPay uses Wells Fargo, these will appear as “DailyPay” or “Wells Fargo” on bank statements. 

When will my transfer be deducted from my paycheck?

DailyPay offers Continuous Pay Access, which is a feature that allows team members to transfer funds from a pay period which has ended but not yet been paid, ensuring continuity of pay access even in the transition between pay periods.

Team members can track their earnings with DailyPay, including which pay period is funding their Available Balance. When more than one pay period is funding their Available Balance, the amount from each period will be visible in the pretax earnings card on the home screen. Transfers are funded using a “first-in, first-out” methodology; the earlier pay period will always be used first. In scenarios where the earlier pay period does not cover the transfer, then the difference will be taken from the subsequent pay period.
 

What is Save by DailyPay?

With AutoSave you can set aside a recurring amount to be transferred from your available balance into your savings account every payday. With Direct Save you can save different amounts, each pay period, on-demand at any time. Check out this flyer for more information.

How else can DailyPay help me manage my finances?
 

Free financial coaching sessions with specialized coaches to help team members manage their expenses, build savings, make a plan to pay off debt, and more. Check out this flyer for more information.

How do I enroll in DailyPay?

Once you have opted-in to DailyPay with Carle Health, you you may enroll in DailyPay with your Carle Health email address. You will need to download the app or access the site through your browser at https://account.dailypay.com/signup. In the Apple AppStore or Google Play, the app is titled DailyPay On-Demand Pay. 

Can I use DailyPay if I get paper checks?

No, DailyPay is designed to work with those being paid via direct deposit, either to a checking/savings account or a Friday card. As of Aug. 6, 2024 the Friday Card will become the DailyPay Card. Once a team member elects to received their pay from DailyPay instead of a paper check, they will no longer receive paper checks from Carle Health. All income will be deposited to a DailyPay card going forward.

What if a team member does not have a bank account?

DailyPay offers a free reloadable Visa card, called a DailyPay Card. It is designed to support eligible team members who are unbanked, underbanked or want a no-fee way to instantly access their earned pay. This no-cost option is made available to team members when they elect their first transfer of funds. The DailyPay card will become their form of direct deposit going forward, also replacing paper checks from Carle Health if they elected this option previously. The remainder of their pay, minus any transfers, will be loaded to their DailyPay Card on the usual pay day.

What if I have multiple bank accounts set up for direct deposit in Workday?

Team members can set up to three bank accounts (checking or savings) with DailyPay.

Is DailyPay a loan?

DailyPay is not a loan. The amount of money that you have access to is based on your approved hours – meaning that you have already earned this money, it just hasn’t been paid out to you yet.

When do new shift earnings post in an employee’s Available Balance? 

The exact timing of an earnings update is dependent on when hours are submitted and when the data is received by DailyPay. Earnings files are sent to DailyPay at 6:20 a.m., 9:20 a.m., 6:20 p.m. and 9:20 p.m. Please take into consideration the processing time of files and the understanding that any shift ended after 9:20 p.m. will not be sent over to DailyPay until 6:20 a.m. the following day.  Data received by DailyPay will not include premium pay for eligible shifts worked.  Premium pay will simply be paid for eligible shifts on your regularly scheduled payday.

What is the Available Balance?

A team member’s available balance is an approximation of earnings based on the hours that they have worked, excluding any overtime, bonuses, reimbursements, differentials, premium pay, commissions, tips and withholdings (taxes, garnishments, etc.). With each shift worked, the available balance increases. Therefore, team members who pick up additional shifts will see their available balance increase after each shift worked.

When will I see my Available Balance increase?

For each active work hour, you will build an Available Balance. Your hours will be updated several times a day from Carle Health to DailyPay and your earnings will be updated with the next feed after your shift. Each shift reported is capped at a maximum of $770.00 per day towards the Available Balance for both hourly and salaried team members. This means that earnings above this limit for any shift are not available in advance, and will not go over to DailyPay. These earnings will be available on the regular Carle Health payday.

Is there a difference between hourly and salaried team members?

Regardless of hourly or salary status, once a team member elects to take their first transfer and the DailyPay account is confirmed as their record of direct deposit, they are eligible for Continuous Pay Access.

Before an hourly team member takes their first transfer they will see each shift count towards their Available Balance after their hours are reported to DailyPay. Before taking their first transfer, salaried team members will see their earnings count toward their Available Balance starting on the fourth business day of each pay period at 8 p.m. CST. 

What’s the maximum and minimum dollar amount I can transfer in a day?

You can transfer your entire available balance in a single day, up to $1,000. The minimum is $5.

What if I don’t make a transfer during a pay period?

Your pay will continue to be deposited by Carle Health into your accounts listed in Workday until you make your first transfer through DailyPay. Once you elect your first transfer, Carle Health will update your direct deposit as DailyPay. If after this time, you make no transfers during a given pay period, your entire available balance will be deposited into your bank account(s) through DailyPay on your regularly scheduled payday. 

What if I need to Opt-In to DailyPay?

For more information on how to complete this in Workday, review the Workday Team Member and Provider Training Resources page for training videos and reference materials on TruNorth.

What if I change my mind and I want to opt-out?

Once you are enrolled, you can cancel your account with DailyPay at any time. You can cancel via the DailyPay app at https://get.dailypay.com/ or via their employee support team at employee.support@dailypay.com or (866) 432-0472. Please note that by cancelling, this still allows your information to be shared with DailyPay and makes it easier to re-enroll in the benefit if you so choose in the future.

To completely opt-out and elect for Carle Health to stop sending your information to DailyPay, please request this change in Workday. 

Keep in mind that you will be unable to enroll back into direct deposit immediately following your opt-out of DailyPay. You will need to wait about 30 days before re-enrolling in direct deposit through Workday. This ensures that DailyPay can recoup any money owed taken out in advance before opting-out. You will receive a paper check during this time frame.

Once 30 days has passed, make sure you add or confirm your direct deposit information in Workday.

Who is eligible to participate?

DailyPay is open to any team member who is in a non-physician position with compensation below $100/ hour or $200,000 annually, and team members who are not on reduced hours.

How do I update my direct deposit information in DailyPay?

Please follow the directions in this document.

How do I report suspicious activity to DailyPay?

Please follow the directions in this document.

What is the DailyPay Visa Card?

Team members have the option to enroll in the DailyPay Visa® Prepaid Card, which they can manage right from their DailyPay app and use anywhere Visa® is accepted. It unlocks financial wellness for team members, allowing them to track both their earnings and spending all in one place, on a daily basis. The DailyPay Card combines DailyPay’s on-demand pay with a full-featured Visa® card to provide no-fee*, instant access to 100% of earned pay. The DailyPay Card doesn’t require a pre-existing bank account or credit check, since the DailyPay Card is not a credit card, making the benefit of on-demand pay accessible to a wider range of team members.

*On-demand pay fees will be waived for any DailyPay transfers made to a DailyPay Card set up with direct deposit. The DailyPay Visa® Prepaid Card is issued by The Bancorp Bank, N.A., Member FDIC, pursuant to a license from Visa U.S.A. Inc. and can be used everywhere Visa debit cards are accepted.

When and how can team members start accessing the DailyPay Card?

Team members can sign up for the DailyPay Card after they download the DailyPay app from the App Store or Google Play store and can sign up directly within the app. Once they sign up, they can access and use their virtual card immediately and their physical card should arrive in the mail 10-14 business days later.

Do team members have to pay any fees to make transfers with the DailyPay Card?

When a team members opens a DailyPay Card and switches their direct deposit to the card, they unlock no-fee, instant transfers from their available earnings to their DailyPay Card. If an employee wants to transfer funds within 1-3 business days from their DailyPay Card to an external account, they can do so without paying a fee.

Who can I contact for help?

First reach out to the DailyPay employee support team:

• Agents available via phone, email and live chat in both English and Spanish across multiple call centers throughout the U.S.
• Monday-Sunday, 24/7 support by email, chat, or phone
• Email: employee.support@dailypay.com
• Phone: (866) 432-0472 for DailyPay Support, (833) 998-2449 for Card Services Support
• System status updates- DailyPay Status

MyHR Help Desk staff are also available to answer basic questions about DailyPay at MyHR.HelpDesk@carle.com or (217) 902-5300. The MyHR Help Desk is open Monday- Friday, 8 a.m, - 5 p.m.