When stress clocks in. Productivity clocks out.

A next-gen workplace benefit that automates saving, layers in behavioral rewards, and delivers AI guidance, so employees build real cash cushions for today.

• Save on autopilot: route a set amount from every paycheck.

• No minimums: Managed saving options with no minimums and no hidden fees†.

• Earn while you save: cash rewards for making recurring deposits, and maintaining saving streaks.

• Always-on AI coaching: Finances are personal. Stash’s AI money coach breaks down complex money topics into simple steps and tailors guidance to your situation and learning style in a private, judgment-free space.

StashWorks is built for employers across industries and for teams of every shape. It supports employees at any life stage and across employment types, including full time, hourly, part time, shift, distributed, corporate, union, and 1099. 

Even high earners struggle with savings and are financially stressed. According to PWC, nearly half (47%) of employees making over $100K are stressed about their finances.

Saving struggles aren’t a personal failing. They are human wiring.  Our brains favor immediate rewards over distant goals. Present bias makes “save for later” lose to “feel good now.” That is why over half of Americans buy lottery tickets. It is not logic. It is the reward system firing.

StashWorks turns intent into action. Automatic saving routes a small amount from every paycheck. Behavioral science makes progress feel immediate with streak rewards, milestones, and clear progress cues. Always-on AI coaching that gives private, real-time guidance to overcome roadblocks and stay on track. Enroll once, start with a few dollars a week, keep a streak, and earn cash rewards that lock in the habit.

What’s the process to get started?

You have enough to manage. We run the entire enrollment, end to end. Using proven behavioral psychology, we turn sign-up into a series of quick wins that build excitement and gratitude for your company’s investment in their financial well-being.

Employees opt in on their own, open a Stash account in minutes, and a small amount starts routing from each paycheck. Rewards, AI coaching, and helpful banking features keep the momentum.¹

Why it is easy for employers

• No HR or payroll integration

• No ongoing administrative burden

• Self-serve employee signup that fits any pay cadence

How it fits with what you already offer
Think of your 401(k) as long-term financial coverage. StashWorks is the everyday care that fills the short-term saving gap, helping employees handle real-life expenses so they can make better use of the 401(k) over time. They work side by side, not in competition.

Ready to get started?
Book a 20-min Business Case Review to see modeled hours reclaimed, participation, and ROI for your workforce. Prefer email? Contact [email protected].

Employees get personalized guidance and education. When an employee opens a brokerage account, Stash, a registered investment adviser, provides investing guidance and a curriculum aligned to their goals and risk profile. StashWorks also includes always-on AI coaching that turns questions into simple next steps for saving, debt service, cash flow, and much more. It is fast, judgment free, and available anytime.

Employees get instant, vetted, plain-language answers, consistent and unbiased recommendations tailored to their goals, and a private experience that makes it comfortable to ask real questions.

Unlike traditional advisory models, there is no live one-on-one human advisor and no commissions or upsell pressure. StashWorks does not provide tax, legal, or accounting advice.

I’m glad you asked! Employer-funded rewards are part of the StashWorks roadmap. Today, every employee earns Stash rewards from their own activity. We are building support for employer-sponsored contributions so you can add cash on top, with settings that fit your policies and workforce.

Because employer funding carries legal and compliance requirements that vary by business and state, we are designing this feature with controls for eligibility, caps, and reporting. 

If you are interested in sponsoring rewards, we are actively signing up design partners to pilot this feature. Please contact us here to sign up.

Yes. We are the first line for employees. For any StashWorks question, employees contact our support team by email or phone from 8:00 a.m. to 8:00 p.m. ET, Monday through Friday.

Not yet. StashWorks is available only to employees who reside in the United States and have a valid Social Security number. If you have a mixed workforce, we can target invites to U.S. eligible employees only and keep you updated as international availability expands.

Stash Banking (spendable now):
Employees can use the Stash Stock-Back® debit card for purchases, online transactions, and ATM withdrawals.¹

Investment accounts:
If an employee sells an investment, proceeds settle in 2 business days. Funds are then available on the third business day to transfer internally to Stash Banking or externally to another bank.

Retirement and custodial accounts:
These have special restrictions. Our Customer Service team will help by phone or email to process transfers in line with account rules.

Timing notes:
Processing depends on request time, weekends, and bank holidays.