This document discusses how many American employees face financial difficulties that negatively impact workplace productivity, such as high overdraft fees, payday loans with exorbitant interest rates, and difficulty meeting household expenses. It notes that financial problems are the number one cause of stress for working people. The document then introduces FlexWage Solutions, which provides an employer-based benefit called WageBank that allows employees to access already earned wages to help avoid costly debt traps and relieve financial stress, thereby improving employee retention, satisfaction, and productivity. WageBank withdrawals have historically been used responsibly by employees to pay essential bills rather than frivolously.