South Carolina earned wage access bonds.
$325 flat.
A company offering earned wage access services to South Carolina consumers — letting a worker draw against wages already earned before the regular payday — must register with the Department of Consumer Affairs and file a $30,000 surety bond under S.C. Code Ann. § 39-5-830. Ours is $325 flat, and the price you see is the checkout price.
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How much does a South Carolina earned wage access bond cost?
$325 at the $30,000 amount, the same for every applicant.
Three steps. One sitting.
A fixed special-deposit bond is about the simplest thing in surety. Here's the entire process:
Apply online
Business details and an effective date. That's the application — a short credit consent, no financial statements.
Pay & e-sign
Filings like this are among the thousands of bond types that issue right after purchase. Issued when you pay. One soft credit pull, never a hard inquiry, and it never affects your score.
File with the state
Your executed bond and power of attorney arrive by email, ready to attach to your earned wage access registration filing. Wet-ink original mailed on request.
What it is and who needs it.
What the bond actually guarantees
Earned wage access lets a worker draw against wages already earned before the regular payday. Under the South Carolina Earned Wage Access Services Act, S.C. Code Ann. § 39-5-810 et seq., a provider may not offer earned wage access in South Carolina without registering with the Department of Consumer Affairs and filing a $30,000 surety bond under § 39-5-830(5), payable to the state for the benefit of a claimant against the provider.
It's a three-party arrangement: you (the principal), the surety carrier, and the state (the obligee), with South Carolina consumers who use your service as the protected parties. If a licensed provider mishandles consumer funds or otherwise fails to meet its filing obligations, the state or an affected consumer can pursue a claim against the bond.
It is not insurance for you — if the surety pays a claim, you repay the surety. Keep the filing continuous — we track your term and send renewal notices 60 and 30 days out.
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 $30,000 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 state. Your executed bond and power of attorney arrive by email, ready to attach to your earned wage access registration filing. Wet-ink original mailed on request.
What sets the price
The premium is fixed at $325 at the $30,000 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 — a short credit consent, no financial statements.
Start the application →Common questions.
Other South Carolina bonds.
Been told you need a different amount?
Price and requirements checked on the carrier’s application, . Page updated .
Finish your earned wage access filing today.
$325 flat, soft pull only, bond often issued in the same sitting. Free until issued.