Freedom251 › Employee Financial Wellness Software
Sunny Day Fund
What Sunny Day Fund is
Sunny Day Fund is an employer-sponsored emergency savings program that helps workers save through automatic payroll deductions. Employees can divide money among multiple goals or buckets, while employers may provide incentives or matching contributions. The program connects with payroll and benefits administration for rollout, eligibility, and contributions, and partner integrations can include single sign-on, shared payroll processes, coordinated marketing, and cross-platform analytics. Accounts are available to I-9 verified employees aged 18 or older, subject to employer rules. Deposits must come from payroll deductions by participating employers; outside transfers are not supported. Withdrawals are available at any time without penalties, with ACH withdrawals costing $0.05 and checks $2.00. Access works through secure desktop and mobile browsers without a download, plus Android and iOS apps. Sunny Day Fund states SOC 2 Type II certification and encryption at rest and in transit. Portage Bank provides financial services and is Member FDIC; Sunny Day Fund Solutions Inc. is not an FDIC-insured institution.
Who it suits
It suits employers seeking workforce financial-stability programs, including frontline and hourly-workforce organizations. Employees must meet employer eligibility rules and rely on payroll deductions for deposits.
What it does well
- Multiple savings goals in one account
- Optional employer incentives or matching
- No-penalty withdrawals
- Desktop and mobile browser access
- SOC 2 Type II stated
What to know first
- Outside transfers are not supported
- ACH withdrawals cost $0.05
- Check withdrawals cost $2.00
- Pricing is on request
Plans
| Plan | Billed and limits | Price |
|---|---|---|
| Employer-sponsored program | Tailored proposal; pricing varies with company size, complexity, and customization. · Employer-sponsored; participation is free for employees; $0.05 per ACH withdrawal and $2.00 per check withdrawal | On request |
As sunnydayfund.com lists them, read 7 Oct 2026. The maker's own page has the final word.
Verdict
Sunny Day Fund links emergency savings with employer payroll and benefits systems, offering multiple goals and optional employer contributions. Deposit restrictions, withdrawal charges, and employer-specific eligibility shape how employees can use it.
Facts from Sunny Day Fund's own pages
- Access limits
- Only payroll-deducted contributions from participating employers are accepted as deposits; outside transfers are not supported. · sunnydayfund.com, 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. · sunnydayfund.com, 7 Oct 2026
- Eligibility
- Accounts can be opened for I-9 verified employees age 18 or older, subject to the employer’s eligibility rules. · sunnydayfund.com, 7 Oct 2026
- Employer rewards
- Employers may offer incentives or matching contributions to encourage saving. · sunnydayfund.com, 7 Oct 2026
- Partner integrations
- Embedded partnerships can include single sign-on, shared payroll processes, coordinated marketing, and cross-platform analytics. · sunnydayfund.com, 7 Oct 2026
- Payroll and benefits
- The program syncs with employer payroll and benefits administration to manage rollout, eligibility, and employee contributions. · sunnydayfund.com, 7 Oct 2026
- Platform access
- Accounts use a secure web platform that works in desktop and mobile browsers and requires no download. · sunnydayfund.com, 7 Oct 2026
- Purpose
- Sunny Day Fund provides employer-sponsored emergency savings programs that help workers save automatically through payroll. · sunnydayfund.com, 7 Oct 2026
- Savings goals
- Employees can divide savings among multiple goals or buckets within one account. · sunnydayfund.com, 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. · sunnydayfund.com, 7 Oct 2026
- Support
- Support is available by email or phone from 9 AM to 6 PM Eastern, Monday through Friday, excluding federal holidays. · sunnydayfund.com, 7 Oct 2026
- Who it serves
- The employer program is presented for organizations seeking workforce financial stability, including frontline and hourly-workforce sectors. · sunnydayfund.com, 7 Oct 2026
- Withdrawals
- Employees may withdraw at any time without penalties; ACH withdrawals cost $0.05 and check withdrawals cost $2.00. · sunnydayfund.com, 7 Oct 2026
Where Sunny Day Fund stands on Freedom251
- Employee Financial Wellness Software#21 of 28