Earned Wage Access with Rain
Get the Pay You've Already Earned—When You Need It
We’re excited to announce a new employee benefit launching December 1: Earned Wage Access (EWA) powered by Rain. With this program, you’ll be able to access wages you’ve already earned if you need them in a pinch.
What is Earned Wage Access?
Earned Wage Access gives you the flexibility to retrieve a portion of your earned wages before your scheduled payday.
- This isn’t a loan—it’s your money, already earned.
- No high interest or hidden fees.
- Just simple, secure access when you need it.
By giving you this option, we’re helping you handle unexpected expenses, cover budgeting gaps, and reduce financial stress.
Why We’re Bringing This to You
Financial wellness is a key part of our commitment to you. We know that when you’re worried about money, it’s harder to stay focused, engaged and energized at work. With EWA through Rain:
- You gain more financial flexibility and control.
- You can handle unplanned expenses with confidence.
- Our workplace becomes stronger when our people feel supported and valued.
How the Program Works
When the program launches on December 1, here’s what you’ll do:
- Download the Rain app (available for Android and iOS) and complete your profile.
- See your available earnings in real time as you work.
- Choose an amount to transfer, which will be deducted from your next paycheck.
Are You Eligible?
All active employees in the US, Puerto Rico and US Virgin Islands are eligible for the EWA program. Eligible employees will be able to access up to 50% of their regular earned wages through Rain for the current pay period. Once the pay period ends, the available balance resets to $0 until your next shift is worked.
Why Rain?
Rain is a trusted provider of EWA services that stands out because:
- Intuitive mobile app experience.
- Fast transfers—so you can access your funds when you need them.
- Robust security and compliance standards.
We chose Rain because they align with our values and want to make financial flexibility simple and accessible.
We’re thrilled to bring you this valuable new benefit. Here’s to giving you more flexibility, more control and more support—because when you thrive, we all thrive.
Stay tuned—your pay, your way, is coming soon.
Frequently Asked Questions
Q: What is Rain?
A: Rain is a financial wellness benefit offered by T-Mobile. Through the Rain app, you can take out advances on your upcoming paycheck.
Q: Is this a loan?
A: No—only regular wages you’ve already earned are accessible.
Q: Will this cost me or the company?
A: There’s no interest for you. Any fees will be clearly communicated. The company has chosen this benefit to support you.
Q: How is my available balance calculated?
A: You can access up to 50% of your earned wages through Rain in a given pay period. Your available balance is calculated by multiplying your hourly rate by the number of regular hours you work and dividing it in half.
Ex.: If your hourly rate is $10/hour and you worked 8 hours, you would see $40 added to your account. The balance will accrue throughout the pay period every day you work, and reset at the end of the pay period.
Q: How often does my Rain balance refresh?
A: Your account balance will update within 24 hours of clocking out of your last shift. If you are a salaried employee, your balance will accrue daily. If you don’t clock out, your hours won’t be transferred to Rain.
Q: How often can I use it?
A: You’ll be able to access your accrued funds as needed as they become available.
Q: How do I get help?
A: For questions about the app, Rain’s support team will be available via care@rain.us or by calling 424.369.7246. For questions about your T-Mobile paycheck, please contact myHR at 866.578.6423.