What is Express Pay and how does it work?

Ferry’s Express Pay program gives you access to your eligible hard-earned wages as soon as you earn them! 

How It Works

  • After each eligible shift, a portion of your net earnings will be added to your Express Pay balance.
  • The remaining portion is set aside for estimated taxes, deductions, and withholdings (such as garnishments), which are processed when your employer runs payroll.

How to Access Your Funds

Once enrolled, you can transfer funds from your Express Pay balance to:

  • Your Ferry Payroll Card Account
  • A linked debit card or bank account

Transfer Options:

  • Instant transfer – Arrives immediately, $2.99 per transfer.
  • Standard transfer – Free, and arrives in 2–5 business days.

On Payday:

At the end of each pay period (which is when your employer runs payroll), you will receive your regular paycheck to your Ferry Payroll Card Account (or another account you designate in your settings), minus the amount that you transferred from your Express Pay balance during the pay period. 

Please check with your employer to see if Express Pay is available to you.

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