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.
Get StartedPayhammer is not a bank. Payhammer is a financial technology company. Banking services are provided by Mbanq's Banking partner, Evolve Bank & Trust, Member FDIC.
Digital Banking
FDIC insured checking and savings accounts personalized for your needs
Earned Wage Access
Get up to 75% of your earned wage before payday at no cost
Advanced Security
Voice and Face Biometric Security, fraud monitoring, and robust data ecryption
Financial Management Tools
Aggregate your spending, pay bills, and peer to peer transfers
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 Payhammer Checking Account
Easily set up your Payhammer checking 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 access 75% of your earned wage before pay day at no cost.
- 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 up to 75% of earned wageFDIC-insured through Mbanq’s banking partner, Evolve Bank & Trust, Member FDIC.
Everything you need in one secure, stress-free financial platform
Payhammer brings everything together in one place—FDIC-insured accounts, instant peer-to-peer transfers, and stress-free access to your money without credit checks. A modern financial platform built to keep your finances simple, secure, and worry-free
Get Started Today
FDIC Insured Digital Bank
Your money is safe and secure with FDIC-backed protection
All in One Digital Bank
Manage everything from checking to transfers in a single, easy-to-use app
Earned Wage Access
Access up to 75% of earned wage before payday
Instant Peer to peer transfer
Send and receive money instantly with friends and family
No Credit Check, No Stress
Access your funds without any credit hurdles or unnecessary hassle
Clear Transaction History in Quick View
Easily track your spending with a clear, organized transaction history available at a glance
Same Day ACH Deposits
With Same Day ACH Deposits, your funds are available the very same day—no waiting, no delays. Enjoy fast, reliable, and secure transfers that keep your cash flow smooth and your business moving forward.
- Get paid faster
- Reliable transfers
- No delays, no stress
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.
