People learn by doing and payroll direct deposit is the first step toward financial wellness. We create behavioral pathways to turn information into action starting with products and tools with beneficial money management behaviors “baked into” their design. We offer financial products and tools designed to help cash flow fragile households; a portable payroll card with linked savings account; a secured credit-builder card; and a credit-builder certificate of deposit. We help employers develop appropriate delivery channels connecting workshops, events and coaching to existing employment models emphasizing beneficial money management behaviors such as establishing a banking system, direct depositing pay and benefits, establishing short term savings, budgeting, tracking expenses, paying bills on line, automating bill payment, reviewing credit reports, and building credit. We work with employers to refine content for specific audiences and collect data to analyze outcomes.