WI earned wage access bonds.
$500 flat.
Wisconsin requires a licensed earned wage access services provider to file a $25,000 surety bond with the Department of Financial Institutions' Division of Banking before offering earned wage access in the state. Ours is $500 flat, and the price you see is the checkout price.
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Three steps. One sitting.
An NMLS license bond is one of the simpler filings in surety once the paperwork is in front of you. Here's the entire process:
Apply online
Business details, ownership, and an effective date — the same information your NMLS license record already carries.
Pay & e-sign
Bonds like this are among the thousands of bond types that issue right after purchase. At most, 1–2 business days.
File through NMLS
Your executed bond and power of attorney arrive by email, ready to upload to your NMLS license record for the Division of Banking. Wet-ink original mailed on request.
What it is and who needs it.
What the bond actually guarantees
Wisconsin licenses earned wage access services providers — companies that let workers access wages they've already earned before the regular payday — through the Department of Financial Institutions' Division of Banking, using the Nationwide Multistate Licensing System (NMLS). A provider may not offer earned wage access in Wisconsin, even from outside the state, without holding that license.
Licensure is conditioned on a $25,000 surety bond running in favor of the State of Wisconsin for the benefit of any person damaged by a violation of the earned wage access chapter, and separately in favor of any such damaged person directly. It's a three-party arrangement: you (the principal), the surety carrier, and the state (the obligee), protecting workers and other harmed parties.
It is not insurance for you — if the surety pays a claim, you repay the surety, and the surety's liability is capped at the $25,000 bond amount and limited to actual damages, not punitive damages. The bond must stay in force for as long as the license is active, so we track it and notify you 60 and 30 days out to keep the filing continuous.
You need this bond if you're
One application, issued fast.
These are the actual issuing fields — including the credit-consent authorization the application collects.
Start the application →Common questions.
Other Wisconsin bonds.
Get your DFI license bond filed today.
$500 flat, soft pull only, bond often issued in the same sitting. Free until issued.