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Empowering communities and small businesses with innovative financial solutions

From earned wage access to digital accounts, we make managing money simple, secure, and stress-free.

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Payhammer is not a bank. Payhammer is a financial technology company. Banking services are provided by Mbanq's Banking partner, Evolve Bank & Trust, Member FDIC.

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How It Works

  • 01

    Download the App & Sign Up

    Get started by downloading the Payhammer app and creating an account with your personal details on our secure platform.

  • 02

    Open Your Payhammer Account

    Set up your direct deposit to your Payhammer account to unlock full access to financial tools, transfers, and earned wage advances—all in one place.

  • 03

    Set up Direct Deposit

    Wait for 2 payroll cycles and and access up to 75% of your earned wage before pay day at no cost2.

  • 04

    Check Your Balance

    View your available earned wage in real time and choose how much you’d like to access before payday.

  • 05

    Get Paid Instantly

    Funds are transferred right away to your Payhammer bank account or debit card. The amount you access is automatically deducted from your next paycheck.

Earned Wage Access

With Payhammer, you don’t have to wait for payday. Instantly access up to 75% of your earned wage, giving you more flexibility and peace of mind when you need it most.

  • Access up to 75% of earned wage
  • Payhammer Visa® Debit Card
  • Instant transfers to Payhammer Members
  • Deposit Account
Access your pay today
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Everything you need in one secure, stress-free financial platform

Payhammer provides fast access to your earnings, instant peer-to-peer transfers, and FDIC-insured deposit accounts through our partner bank, Evolve Bank & Trust, Member FDIC. A modern way to manage money with simple features designed to support your everyday finances.

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    FDIC Insured Deposit Account

    FDIC-insured deposit account provided through our partner bank, Evolve Bank & Trust, Member FDIC.

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    All-in-One Finance App

    Manage everything from checking to transfers in a single, easy-to-use app

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    Earned Wage Access

    Access up to 75% of earned wage before payday

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    Instant Peer to peer transfer

    Send and receive money instantly with friends and family

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    No Credit Check, No Stress

    Access your funds without any credit hurdles or unnecessary hassle

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    Clear Transaction History in Quick View

    Easily track your spending with a clear, organized transaction history available at a glance

ACH deposits may be available as early as the same day

ACH deposits between Payhammer members may be available as early as the same day, helping keep your cash flow moving.

  • Get paid faster
  • Reliable transfers
  • No delays, no stress
Get Same Day Access

FDIC-insured through Mbanq’s banking partner, Evolve Bank & Trust, Member FDIC.

Financial Products

At Payhammer, we make managing money simple and stress-free with flexible financial products built for both individuals and businesses. From personal and business accounts to digital debit cards and prepaid options, our tools are designed to give you secure, convenient access to your money—anytime, anywhere.

  • Personal Checking account

    A secure everyday account that helps you manage spending, track deposits, and access your money with ease.

  • Business checking account

    Smart, reliable banking built for small businesses and entrepreneurs to handle payments, expenses, and growth.

  • Physical /virtual Debit Cards

    Enjoy instant, secure access to your funds with debit card options that fit your lifestyle—whether you prefer physical, digital, or virtual cards.

  • Prepaid cards

    A flexible, reloadable card solution for budgeting, managing allowances, or simplifying everyday expenses.

Banking Services are provided by Mbanq’s banking partner, Evolve Bank & Trust, Member FDIC.

Get Paid Early. Bank Smart. Spend Confidently

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