On-demand pay for the modern workforce
Fuego by Fourth helps workers meet their financial goals and provides solutions to help employers create a more optimistic, more engaged, and more productive workforce.
It’s An On Demand Pay App that Keeps Up With the Hustle
Fuego is an on-demand pay app with a simple premise: Give hospitality workers early and on-demand access to the money they’ve already earned and employers the ability to attract and retain the best talent.
Fuego links work to pay, giving businesses and their employees peace of mind. Employees can take control of their hard-earned wages, prepare for big financial goals, and enjoy instant pay flexibility.
View Open Shifts
See Earning Potential
Set Budget Goals
On-Demand Pay Access
Available with HotSchedules
Earned Wage Access Explainer Video
It’s the Hot New Way to Get Paid & More. It’s Fuego.
Hospitality employees can access daily pay on their timeline and gain a forward-looking view into their earning potential for upcoming shifts.
Download
See Fuego inside HotSchedules, download the Fuego app, and register1.
Verify
Decide
After registering, employees can decide how and when they want to access their earned wages2.
2. Earned Wage Access requires employer participation.
Decide
After registering, employees can decide how and when they want to access their earned wages2.
Verify
Set up
Set up direct deposit to the Fuego Visa® Card for wage draws at no cost, or link to an existing debit card or bank account (fees apply).
Once Employees Are Set, They Are Ready to Draw!
Fuego Money Management
Pay is available within minutes
See earned and scheduled pay to set savings goals or plan for spending
View an overview of spending patterns
Learn about budgeting tools for financial planning purposes
Fuego Visa Card
Zero fees for Wage Draws when direct deposit is set up
No monthly or inactivity fees
Cash withdrawals at tens of thousands of surcharge-free MoneyPass® ATMs
Cash deposits & secure contactless payments at retailers
Link to Google Pay or Apple Wallet
Transactions at any retailer
Protection by Visa’s Zero Liability protection3
Receive your pay up to 2 days early*
* Many (but not all) employers, government benefits providers, and other originators send direct deposits early with an effective of 1-2 days later. Beginning with your second direct deposit of at least $5 from the same source, Central Bank of Kansas City (CBKC) will post the funds to your Fuego Visa Card when we receive it, rather than on the effective date. This may result in your having access to the funds sooner. The date CBKC receives your direct deposit and the effective date are controlled by the originator.
Earned Wage Access FAQs
What does EWA stand for?
EWA is an abbreviation for Earned Wage Access. It provides workers with early and on-demand access to the money they’ve already earned.
Can I use Fuego to access my earned wages early?
If your employer offers Fuego as a benefit, then you can use Fuego to access your hard-earned wages early. Just download the Fuego app*, we’ll connect you to your employer when you set up your Fuego account, and then all that is left is to choose how you want to receive your wages.
*Standard message and data rates from your wireless service provider may apply.
How do I access my earned wages?
Download the Fuego app* and let us connect you to your employer who provides the hours you worked plus your pay. Once your account is all set up, you can decide how much of your available earned wages (up to 50%) you would like to transfer to your own Fuego Visa® card, existing bank account or debit card.
*Standard message and data rates from your wireless service provider may apply.
If I use Fuego, am I borrowing money?
No, Fuego was built to provide access to wages you already earned, but that have not yet been paid to you. Using Fuego means that you are transferring your own earned wages into your Fuego Visa® Card, bank account or debit card. You can only transfer money that you have already earned and is due to be paid on your scheduled pay date. This removes your potential need to rely on loans or predatory lenders. Fees may apply for transferring your earned income based on the wage transfer option you choose; you will not be charged interest at any time.
Do I have to sign a (long-term) contract?
No, Fuego is a service that provides you access to your earned but not yet paid wages on an at will basis, so you can access and draw your wages when you need it. You can choose to use Fuego as frequently as you like.
If I draw wages, when will it be deducted from my paycheck?
The next time you receive your paycheck using Fuego, your wage draws will show as a deduction.
In other words, the earned wages that you don’t transfer before payday will simply be paid to you as a remainder payment on your scheduled payday.
How much does Fuego cost?
Fuego does not have any wage draw transaction fees when you set up direct deposit to the Fuego Visa® Card. In short, you pay $0 to draw your wages in minutes.
When depositing wages into an existing bank account or debit card, the wage draw fee is $1 for the first draw of the day. Subsequent draws come at no cost just in case you underestimated or if you also want to draw from another employer. Fuego also caps draw fees at $3 per weekly pay period or $5 per biweekly pay period.
Additional fees may apply for expedited transfers, $1 for same day ACH, or $2 to an external card.
How safe is it to use Fuego?
The Fuego Visa® card is issued by the Central Bank of Kansas City, Member FDIC, pursuant to a license from Visa® U.S.A. Fuego transactions to external banks and cards are processed by the Central Bank of Kansas City, Member FDIC.
So that means that the money you deposit in Central Bank of Kansas City, Member FDIC is covered by the federal government, up to $250,000 per depositor, per account ownership category.
How much money can I get from Fuego?
Every pay period, you can access up to 50% of what you’ve already earned, and transfer wages to your Fuego card, a bank account or debit card you already have.
How quickly can I request a draw after I worked?
As soon as the hours you have worked have been approved by your employer, up to 50% of your earned wages will be available.
How long does it take to get the money I requested?
Transfers to the Fuego Visa® Card are completed in minutes, 24/7/365. Transfers to bank accounts and other debit cards are completed within 48hrs.
Transfers to bank accounts or debit cards can be made for $2 p/transaction.
Transfers to bank accounts or debit cards made before 12:50 PM EST M-F can be expedited for same day ACH for $1 p/transaction.
Transfers to bank accounts or debit cards can be made after 12:50 PM EST M-F are processed the next business day.
If I take a wage draw when will it be deducted from my paycheck?
Wage draws accessed using Fuego will show as deduction on your next paycheck.
What if I change jobs?
If you leave your current employer, and move to another employer elsewhere, you can keep your Fuego account, set up direct deposit with your next employer using your Fuego account, and use your Fuego Visa® Card for all your purchases. Your employer would need to offer Fuego On-Demand Pay for you to be able to access your wages early using Fuego.
How can I recommend Fuego to my employer?
1) telling your employer about Fuego, how helpful it can be, and to have your employer complete the “Fuego Get Demo” form that appears on the bottom of each getfuego.com webpage. Our team will be in touch with your employer after submitting a request for demo for more details. Or 2) you can also call 1-855-715-8518 to let us know directly that you would like to use Fuego, and then we will make sure to contact your employer and see if they can partner with Fuego.
Our team will be in touch with your employer after submitting an inquiry for more details, and we will reach out to your employer after you have submitted a personal request for your employer to integrate Fuego.
Need On-Demand Pay Support?
Resources
Learn more about how to best optimize Fuego & learn money management tips.
Call Us
We’re standing by!
Call 855-715-8518.
Need Help?
An Earned Wage Access App That Keeps Up With the Hustle
Request a demo to learn more about Fuego On-Demand Pay.