Kansas 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 bond issues the moment you pay; the application includes a soft credit pull only — it never affects your score.
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How much does a Kansas earned wage access provider bond cost?
$2,000 at the $100,000 amount, the same for every applicant.
Three steps. One sitting.
The bond side of your OSBC registration is the easy part. Here's the entire process:
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 application.
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.
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.
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.
You need this bond if you're
Claims, renewal, filing, and what sets the price.
If a claim is made
A claim comes from the party the bond protects, the obligee named on the form, when the duty the bond guarantees is not met.
The surety investigates and pays a valid claim, up to the $100,000 bond amount. You then repay the surety: a surety bond is a guarantee of your performance, not insurance for you.
Renewal and term
The premium covers a one-year term from the effective date you choose; a longer term is the same price per year, chosen at checkout.
Renew before the expiry date to keep the bond in force: the license, permit or contract it backs expects continuous coverage.
How to file it
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.
What sets the price
The premium is fixed at $2,000 at the $100,000 amount for every applicant: the carrier’s rate book prices this bond by the form, not by your credit or your business profile.
One soft credit pull, never a hard inquiry, and it never affects your score.
Where a check runs, it decides approval; the rate is the same for everyone approved.
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 →Common questions.
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Finish your OSBC registration today.
$2,000 flat, issued the moment you pay, soft pull only. Free until issued.