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The easy, affordable financial wellness program for the modern workforce.

No payroll integration required, set up in 15 minutes and starting at only $99/month!

52% of Americans have tapped into their retirement savings early to make ends meet.

We’ve created a suite of financial wellness tools to help your employees manage everyday challenges and plan for the future.



Early access to earned wages for minor expenses before payday.


Smart alternative to 401(k) borrowing or payday loans for unplanned expenses.


1-on-1 counseling to assist with financial concerns and plan for the future.

We make your job easy.


1. Choose your program

2. Receive login information

3. Share with employees

Our HoneyBee Promise 

Over 100 million Americans are living paycheck to paycheck and are falling through the cracks in our traditional banking system. Our promise is to deliver safe and affordable financial products to all working Americans and to provide the tools that your workforce needs to become financially healthy.

#BeeTheBestYou (Watch 1:30 min video)

We help companies supercharge their 401(k).

HoneyBee has helped our clients reduce 401(k) loan borrowing by up to 85% after one year of implementation.

 Employees can speak to a personal financial counselor for advice before taking money out of their retirement savings.


✓ Employees have access to emergency funds so they have a smart alternative to 401(k) borrowing.

Employees  HoneyBee.

My car broke down and suddenly I had to come up with funds for repairs. I needed $450 and luckily HoneyBee provided me with the funds the next day!

Adam T, 39

Restaurant Manager

I just want to thank you for this service. I’ve been helping my mom since my dad passed away 5 months ago and it’s been a struggle. Thank you for thinking of your employees.

Suzy F, 28

Hotel Receptionist

I didn’t know much about savings and credit. With the help of my financial counselor, I’ve improved my credit score and started putting money towards retirement!

Jose R, 26

Junior Engineer

Want to take care of your employees? 

Get In Touch

1.800.683.8663 (M-F: 8:30am to 5:30pm PT)

(1) California Residents: Ziero Financial Inc. dba HoneyBee is licensed by the Department of Business Oversight, pursuant to the California Finance Lenders Law, license #6046293. Ziero Financial Inc. dba HoneyBee is compliant with the Equal Credit Opportunity Act. All loans are issued by Ziero Financial Inc. Borrower must be a U.S. citizen, permanent resident or be in the United States on a valid long-term visa and at least 18 years old. Valid bank account and Social Security Number are required.

(2) Arizona Residents: Ziero Financial Inc is licensed by the Arizona Department of Financial Institutions, license #CL-0947964. Ziero Financial Inc. dba HoneyBee is compliant with the Equal Credit Opportunity Act.

(3) Ziero Financial Inc. NMLS Consumer Access #1802856

Curious about our financial wellness programs? Request a demo to learn more.

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