KS earned wage access provider bonds.
$2,000 flat.

Kansas requires anyone providing earned wage access services to a Kansas consumer to register with the Office of the State Bank Commissioner (OSBC) and file a $100,000 surety bond under K.S.A. 9-2404. Ours is $2,000 flat — the price you see is the checkout price. The bond issues the moment you pay; the application includes a soft credit pull only — it never affects your score.

✓

Required for a Kansas earned wage access services registration under K.S.A. 9-2401 et seq.

✓

Fixed price, fixed amount — $100,000 bond, $2,000, no quote process

✓

Multi-year terms available — set it up once for up to 3 years

A-ratedA.M. Best carriersInstantissuance at checkoutSoft pullnever a hard inquiry

Trusted by industry leaders

How it works

Three steps. One sitting.

The bond side of your OSBC registration is the easy part. Here's the entire process:

NOW · ONLINE

Apply online

Business details, an effective date, and a soft-pull credit consent — a soft inquiry only, so it never affects your score. That is the entire application.

INSTANTLY

Pay & e-sign

This bond is checkout-priced at $2,000 flat, so it issues the moment you pay — no quote round-trip, no waiting on an underwriting queue.

SAME DAY

File with the OSBC

Your executed bond and power of attorney arrive by email, ready to file with your earned wage access services registration through NMLS. Wet-ink original mailed on request.

About this bond

What it is and who needs it.

What the bond actually guarantees

Kansas licenses earned wage access (EWA) providers — businesses that give consumers early access to wages they have already earned but not yet been paid, whether offered directly to the consumer or delivered through an employer's payroll system — through the Office of the State Bank Commissioner (OSBC). K.S.A. 9-2403 requires anyone engaging in this business with a Kansas consumer to register with the commissioner before operating, and K.S.A. 9-2404 conditions that registration on a $100,000 surety bond payable to the office of the state bank commissioner.

It's a three-party arrangement: you (the principal), the surety carrier, and the OSBC (the obligee), with Kansas consumers as the protected parties. The bond is available to the commissioner both for recovering expenses, fines, and fees levied under the act and for paying losses or damages the commissioner determines a consumer suffered from a provider's noncompliance.

It is not insurance for you — if the surety pays a claim, you repay the surety. Registration expires December 31 each year and must be renewed at least 30 days before that, so we track the term and send renewal notices to keep your $100,000 filing continuous. The bond itself stays live for two years past surrender, revocation, or expiration of the registration, and principal and surety remain liable for two years from any act or omission that gives rise to a claim.

K.S.A. 9-2404Kansas Statutes Annotated § 9-2404 requires every earned wage access services applicant or registrant to file a surety bond payable to the Office of the State Bank Commissioner in the amount of $100,000, available for commissioner-levied expenses, fines, and fees, and for consumer losses arising from noncompliance. The bond may not be canceled without 30 days' written notice to the commissioner, and it remains in force for two years past the registration's surrender, revocation, or expiration.

You need this bond if you're

✓

Registering as a Kansas earned wage access provider — new applicants filing through NMLS

✓

Offering consumer-directed wage access to Kansas residents based on their own income representations

✓

Offering employer-integrated wage access using payroll or attendance data an employer shares with you

✓

Renewing your OSBC registration before its December 31 expiration

One application, issued instantly.

These are the actual issuing fields — business details, an effective date, and a soft-pull credit consent that never affects your score.

Start the application →

FAQ

Common questions.

How much is the Kansas earned wage access provider bond?The premium is $2,000 flat — set by our carrier's rate book for this bond, the same for every registrant, and the price you see is the checkout price. The $100,000 bond amount is fixed by K.S.A. 9-2404(e), so there is no quote process.

Do I pay the $100,000?No. You pay $2,000. The $100,000 is the surety's maximum liability if the OSBC finds a valid claim against the bond — not a deposit, and nobody holds your money.

How fast will I have the bond?This bond is checkout-priced, so it issues the moment payment clears — most applicants finish the application and have the bond in the same sitting. At most, 1–2 business days.

Is there a credit check?The application includes a credit consent, but it authorizes a soft credit pull only — a soft inquiry that never affects your score. No hard inquiry ever runs on this bond, and the $2,000 price does not change with the result.

Who can make a claim on the bond?The state bank commissioner can proceed against the bond to recover expenses, fines, and fees levied under the act, and to pay a Kansas consumer for losses the commissioner determines resulted from a provider's noncompliance. If the surety pays, you repay the surety.

Related bonds

Other Kansas bonds.

Finish your OSBC registration today.

$2,000 flat, issued the moment you pay, soft pull only. Free until issued.

Start application

Your price$2,000

Apply now →