What will my paycheck look like when I'm using Instant?

On your payday we’ll show you two separate transactions in the Instant app:

  1. Your “Net Pay” deposit is the total amount your employer has told us to put in your Instant Account.
  2. Your “Instant Pays Repaid” is a deduction of any Instant Pay offers you took in that pay period, and any amount unpaid from previous pay periods*.
    • *A note on carryforward Instant Pay: If your net pay amount for a pay period is less than the sum of Instant Pays you took, the amount will need to be carried forward and deducted from the next pay period. This will be clearly labelled in your app. 
    • Remember: this is just the total of your offers accepted - we never charge you any fees or interest to take your pay early.

Please check Pay Period Dates. Instant Pays are repaid back from the net check amount for the Pay Period they were earned in. Let's break this down:

Pay Period:
January 1 - 15
Net check Amount = $500 - I see this amount on my pay stub, after taxes and any other deductions are removed

Instant Pays Taken in January:
January 2 - $20
January 7 - $20
January 18 - $20

What you see in your App:

Net Pay = $500

Instant Pays Repaid = $40

Notice that January 18 I took an Instant Pay, but this does not fall in the Pay Period between January 1-15th. The Instant Pay from January 18 will be repaid from my next pay check. 

Hope that helps clear things up - if you need to find our your Pay Period dates, your Manager in store should be able to provide you with the dates, or point you to where to find them. If you have a self-serve portal, it will be available there, along with your pay stubs.