SupportZayZoon & FinFit
Elevating Employee Financial Wellness
ZayZoon and FinFit can reduce employee financial stress, improve productivity and job satisfaction, and enhance your benefits package — at no cost to your company.
We're proud to offer both of these services as part of our Financial Wellness Bundle —
a free financial benefit to enhance the financial security of your employees.
Get to Know Our Partners
We’ve partnered with ZayZoon and FinFit to bring you a comprehensive solution to help your team feel secure, reduce financial stress, and show value at work.
ZayZoon empowers employees to access a portion of their earned wages in advance of payday.
FinFit provides a holistic approach to financial wellness with credit solutions, education resources, and personalized tools that empower employees and employers to drive dynamic work environments.
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If you do not choose to opt-out by October 3, 2025, these services will be live on your payroll platform by November 1, 2025. Complete this form to opt out.
Earned Wage Access
Instant access to earned wages, providing financial flexibility when your employees need it most.
- There will be no costs to you, no changes to your current payroll process, and no funding requirements.
- You will see a new deduction code for ZayZoon. For help routing this to your PNI/GCP generated General Ledger entries, reach out to us!
- If employees choose to use the service, they will be charged a small $5.00 fee, which can be avoided via several free options ZayZoon offers.
If you would like to opt-out from offering ZayZoon to your employees, complete this form by October 3, 2025.
Unless you opt out by October 3, 2025, we will automatically be activating this free feature for you on December 1, 2025.
Once activated, your employees will be able to easily sign up and access the new benefit from within AEE or the mobile app.
- Employees can choose the amount they want (up to $200/day or $1,000 per pay cycle) and personalize how they want their wages delivered — debit card, checking account, Venmo, gift cards, or a gas card.
- On the next payday, employees will be paid as usual, minus the $5.00 fee and the requested amount that was paid out earlier.
Employees can avoid the $5.00 fee by selecting from several free payout options offered by ZayZoon.
Financial Empowerment
for Your Workforce
Give your employees on-demand access to their earned wages and other perks without affecting your payroll process or budget. ZayZoon integrates seamlessly with 130+ partnered solutions nationwide.
- Earned Wage Access (EWA): Employees can access a portion of their already-earned wages.
- Financial Wellness Tools: Educational content, budgeting tools, and personal assessments.
- Employee Perks: Discounts on groceries, fuel, utilities, prescriptions, and more.
- Employer Benefits: Reduce turnover, increase retention, and support employee well-being.
Prioritizing your employees' financial well-being with ZayZoon can help you attract and retain talent, reduce turnover, and improve employee engagement.
Holistic Financial Wellness
Comprehensive financial education tools and responsible lending options to help navigate unexpected expenses.
- No complex administration required. Loan and credit repayments are managed via payroll integration.
- There are no set-up fees.
If you would like to opt-out from offering FinFit to your employees, complete this form by October 3, 2025.
Unless you opt out by October 3, 2025, we will automatically be activating this free feature for you on November 1, 2025.
Once activated, your employees will be able to easily sign up and access the new benefit from within AEE or the mobile app.
If you’d like to learn more about FinFit and how it can support your employees’ financial wellness, check out this webpage.
Your Partner in Employee Financial Wellness
FinFit empowers employees to set up and fund a safety net, leading to improved financial health and peace of mind.
The service is complemented with tools and services including:
- Personal financial assessments
- Credit & loan solutions¹
- Loan repayment through automatic payroll deductions²
- Financial education and coaching
- Budgeting and planning tools
FinFit provides real solutions and impactful results, empowering your employees to achieve financial stability and peace of mind.
¹ Loans are made by Celtic Bank, Loans subject to credit approval. Loan products, wellness tools, and education are provided by FinFit Ops, LLC. Loan products, availability, features, and service providers vary by state. Service providers are FinFit Ops, LLC (see Licenses) or its affiliate, Salary Finance, Inc. (see Licenses[LR1]). See application terms and loan agreements for more details.
² Payroll programs may not be available in all states.
Frequently Asked Questions
Why is PNI adding ZayZoon?
PNI partnered with ZayZoon to offer ZayZoon as a value-added service that provides another option to compensate your employees. There is no cost to the employer,
charges may apply at the employee level.
If you would like to opt-out from offering ZayZoon to your employees, complete this form by October 3, 2025.
What is ZayZoon?
ZayZoon is a financial wellness provider that gives employees access to earned Wages On-Demand. ZayZoon can provide the employee a portion of their earned wages, before payday, from ZayZoon’s funds. The recovery of funds by ZayZoon occurs via deduction on the employee’s next paycheck. The ZayZoon service is not a loan, employees pay a flat fee to access their earned wages before payday.
How does an employee enroll in ZayZoon?
The employee clicks on the ZayZoon tile located within the isolved app and follows the setup process.
How fast can the employee receive funds through ZayZoon?
Once the employee completes the enrollment process, they can download the ZayZoon app and receive funds instantly or receive the ZayZoon card in the US mail.
How does ZayZoon calculate the dollar amount an employee can request?
ZayZoon uses employee demographic data, historical earnings data (up to 90 days), and employment data such as hire date, payroll frequency, salary etc. to calculate the amount to make available to an employee.
What does it cost my employee to use ZayZoon?
This depends on how the employee selects to receive their funds.
No Fee
An employee may choose to move funds to a ZayZoon Visa Prepaid Card or to an instant gift card. See ZayZoon for latest fee schedule.
Fee
Employee may be charged a fee, currently $5.00 per transaction, to transfer money directly to their bank amount. See ZayZoon for latest fee schedule.
Who provides support on ZayZoon?
ZayZoon provides support and can be contacted at:
- support@zayzoon.com
- Monday to Friday 8:00 AM to 8:00 PM MST.
- Saturday & Sunday 9:00 AM to 6:00 PM MST.
- They do not offer phone support.
How can I opt out of ZayZoon?
If you would like to opt-out from offering ZayZoon to your employees, complete this form by October 3, 2025.
Can I opt back in if I previously opted out?
Yes, please email the PNI client support team requesting to op back in.
What steps do I, as the employer, have to take to enable the ZayZoon?
There are no actions needed by your company. Your company will be auto enrolled.
Who is FinFit?
FinFit’s mission is to provide a financial safety net for the American workforce.
Established in 2008, FinFit serves over 50,000 US employers, reaching over 10 million workers. Our primary goals are to help members build cash reserves for emergencies improve credit scores, and avoid high-cost debt cycles. FinFit empowers employees to take control of their finances, plan for the future, and achieve lasting financial well-being.
Focus on creating positive, healthy financial behaviors and products to support behavioral change has proven to reduce financial stress and increase employee retention by more than 25%.
What is FinFit's Financial Wellness offering?
FinFit's comprehensive platform offers financial wellness tools and resources to help
employees achieve financial health. The platform includes a personalized financial
assessment, premier educational resources, online money management tools, financial
coaching, credit and loan solutions, and a member rewards program.
What are the benefits of offering FinFit?
By offering FinFit’s comprehensive financial wellness solutions, organizations can enhance workplace productivity, reduce turnover rates, and increase employee satisfaction. Employees equipped with emergency savings, accessible credit, and personalized financial coaching can be less stressed and more focused, leading to a more engaged and efficient workforce. Additionally, understanding employee financial wellness through data and insights allows employers to tailor support effectively, fostering a supportive and loyal workplace culture.
How do employees access FinFit?
Employees will find FinFit within isolved People Cloudᵀᴹ, click to accept FinFit’s Privacy Policy, and become a FinFit member. Once registered, they gain access to a
comprehensive platform that outlines all the products and services available to them.
The platform, also available via a mobile app, provides a seamless, user-friendly
experience, empowering employees to achieve their financial goals and improve their overall financial health.
What are FinFit’s key features?
FinFit’s SafetyNet offers features that enhance financial health for employees and benefit businesses. Employees can build savings, access emergency credit anytime, and consolidate debt at lower rates, avoiding costly alternatives.
Personalized financial health assessment: Assesses the employee’s current financial health and helps them identify goals to build an actionable plan with personalized recommendations to improve their financial health, including benchmarks showing how employees stack up against their peers.
Financial education for employees and their families: Interactive courses and playlists focused on key elements of financial well-being. Bonus: employees and their families can build strong financial foundations together with our Family Sharing program.
Financial dashboard and insights: Helps employees establish a budget, track and organize expenses, set alerts, pay bills and view account balances – all in one place and in real-time.
Financial coaching: Free access to certified financial counselors for one-on-one budget coaching that can help with specific debt concerns, guidance with homeownership questions, vehicle or student loan decisions and includes unlimited calls and follow-up
sessions.
Financial calculators: Calculators to help employees make informed financial decisions on large investments such as purchasing a home or vehicle; manage student loan debt and plan for educational expenses; and understand the impact of debt and learn how to save and plan appropriately.
Credit and loans: FinFit offers access to alternatives to high-interest credit and payday loans with no prepayment penalty for paying off early and the ability to process via payroll.
isolved clients are never liable or responsible for any outstanding loans should an employee leave their organization. FinFit will work directly with the former employee to arrange an alternate method of payment.
Member rewards: Employees earn rewards for completing certain activities within the FinFit platform and are able to redeem their rewards for premium swag or gift cards.
¹FinFit loans are made by Celtic Bank. Loans subject to credit approval. Loan products, availability, features, and service providers vary by state. Service providers are FinFit Ops, LLC (see Licenses) or its affiliate, Salary Finance, Inc. (see Licenses). See application terms and loan agreements for more details. Funding time dependent upon funding method selected. Expedited funding my incur addition fees.
²Rewards Program earnings are subject to Rewards Program terms and conditions. The FinFit Rewards Program provides awards which include a cash reward provided through an Amazon gift card.
How do I make FinFit available to my employees?
FinFit is currently available to your employees through isolved People Cloudᵀᴹ. There is no set up or maintenance required by you.
Will I receive any materials or brochures for this product?
Yes, you will have access to a variety of materials to support the introduction of FinFit, including an announcement email, brochures, an employee video, and social media assets. All of these resources are conveniently available in your FinFit Resource Hub: https://go.finfit.com/pni-hcm-resources
An employee took out a FinFit loan and is now terminated. What happens to the balance of the employee loan?
Clients are never liable for employee loan balances. The collection of loan repayments will be handled directly between FinFit and the employee if there are no additional payrolls to collect repayment from.
My company opted out of FinFit after a loan was taken by one of our employees. Why are there still deductions on payroll?
Although the service will have been turned off to prevent new loans, any existing loans will continue to be repaid through payroll deductions. If you would prefer the employee directly repays FinFit outside of payroll, they will need to contact deactivations@FinFit.com.