Sunny Day Fund
Sunny Day Fund is an employer-sponsored emergency savings program that helps workers build savings through automatic payroll deductions.
What Sunny Day Fund is
Sunny Day Fund is an employer-sponsored emergency savings program that helps workers build savings through automatic payroll deductions. Employees can assign savings to multiple goals or buckets within one account. Employers may encourage participation with incentives or matching contributions, while payroll and benefits integrations support rollout, eligibility, and contribution management. Accounts are available to I-9-verified employees age 18 or older when employer rules allow. Deposits must come from payroll deductions through participating employers; outside transfers are not supported. Employees may withdraw at any time without penalties, with ACH withdrawals costing $0.05 and check withdrawals costing $2.00. Access works through a secure browser platform without a download, alongside Android and iOS availability. Sunny Day Fund states that it uses SOC 2 Type II certification and encryption in transit and at rest. Financial services come through Portage Bank, Member FDIC. Employer reporting, education content, planning, and financial-health tools are included.
Good
- Automatic savings through employer payroll
- Multiple goals within one account
- Optional employer incentives or matching
- Browser access without a download
- Advanced employer reporting
Watch out
- No free plan for employers
- Outside transfers are not supported
- ACH and check withdrawal fees apply
- Eligibility depends on employer rules
Who it suits
It suits employers seeking financial-stability programs for workers, including frontline and hourly teams. Employees need an eligible participating employer and payroll deductions to contribute.
Verdict
Sunny Day Fund combines payroll-based emergency saving with employer administration, multiple goals, and financial-health resources. Its deposit restrictions and withdrawal fees are important when evaluating fit.
Plans and prices
From Sunny Day Fund's own pricing page, checked 7 Oct 2026.
| Plan | Price | What it gives you |
|---|---|---|
| Employer-sponsored program | Priced on request | Employer-sponsored; participation is free for employees; $0.05 per ACH withdrawal and $2.00 per check withdrawal · Tailored proposal; pricing varies with company size, complexity, and customization. |
The facts
Each one read from Sunny Day Fund's own pages, with the date it was checked.
What it does
- Access limits
- Only payroll-deducted contributions from participating employers are accepted as deposits; outside transfers are not supported.checked 7 Oct 2026
- Banking
- Financial services are provided through Portage Bank, Member FDIC, while Sunny Day Fund Solutions Inc. is not itself an FDIC-insured institution.checked 7 Oct 2026
- Eligibility
- Accounts can be opened for I-9 verified employees age 18 or older, subject to the employer’s eligibility rules.checked 7 Oct 2026
- Employer rewards
- Employers may offer incentives or matching contributions to encourage saving.checked 7 Oct 2026
- Partner integrations
- Embedded partnerships can include single sign-on, shared payroll processes, coordinated marketing, and cross-platform analytics.checked 7 Oct 2026
- Payroll and benefits
- The program syncs with employer payroll and benefits administration to manage rollout, eligibility, and employee contributions.checked 7 Oct 2026
- Purpose
- Sunny Day Fund provides employer-sponsored emergency savings programs that help workers save automatically through payroll.checked 7 Oct 2026
- Savings goals
- Employees can divide savings among multiple goals or buckets within one account.checked 7 Oct 2026
- Security
- Sunny Day Fund states that it is SOC 2 Type II certified and encrypts employer, employee, and platform data at rest and in transit.checked 7 Oct 2026
- Support
- Support is available by email or phone from 9 AM to 6 PM Eastern, Monday through Friday, excluding federal holidays.checked 7 Oct 2026
- Who it serves
- The employer program is presented for organizations seeking workforce financial stability, including frontline and hourly-workforce sectors.checked 7 Oct 2026
- Withdrawals
- Employees may withdraw at any time without penalties; ACH withdrawals cost $0.05 and check withdrawals cost $2.00.checked 7 Oct 2026
Where it runs
- Platform access
- Accounts use a secure web platform that works in desktop and mobile browsers and requires no download.checked 7 Oct 2026
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