Grazzy, U.S. Bank Debit Card Program Simplifies the Way Tipped Employees Earn and Receive Digital Tips

Initiative provides easier access to banking for hourly employees, even those without existing accounts.

AUSTIN, Texas, March 26, 2025 /PRNewswire/ -- Grazzy, a leading digital tipping platform, has joined with U.S. Bank to offer a prepaid debit card program for hourly employees to easily access tips. Employers enrolled with Grazzy's digital tip service and the prepaid debit card program can issue employees a physical debit card and route tips and wages to the card, enabling access to tipped wages at the end of each shift. Like the Grazzy digital tip service, the U.S. Bank prepaid debit card program helps reduce costs for the employer and provides security and convenience for tipped employees.

Paired with Grazzy's cashless tipping platform, the debit card makes it easier for employees to access their earnings instantly, regardless of their banking status.

The debit cards also boast banking features like:

• No U.S. Bank fees charged for in-network ATM access
• Mobile app convenience
• No overdraft fees
• FDIC insurance

"This program furthers our mission to improve financial wellness for workers," said Courtney White, VP of Growth and Operations at Grazzy. "Inclusive banking solutions are essential to that mission. With this program, employers can now offer every employee instant access to their digital tips, as well as helping them spend and save in better ways."

The program is also designed to help employers retain employees longer and deliver a better pitch to job seekers. Grazzy and the new prepaid debit cards from U.S. Bank give employees instant access to tip earnings, helping employers deliver flexible pay options without changing their entire payroll structure.

"Direct debit options empower employees to manage their finances more effectively and access their earnings without delay," said Ben Osmond, Senior Vice President in Treasury and Payment Solutions at U.S. Bank. "The ability for companies to provide both the Grazzy digital tipping option and the U.S. Bank prepaid debit card solution not only creates convenience and security for employees, but also fosters a more motivated workforce and cost savings for employers."

U.S. Bank has deep history delivering efficient payment solutions to the hospitality industry. For example, many restaurants across the U.S. utilize the U.S. Bank Focus Card to pay employees. The reloadable Focus Card helps businesses reduce check issuing costs and digitally pay employees without a bank account. Cardholders can manage accounts via an app, receive text alerts when funds are deposited and withdraw funds from ATMs.  Elavon, the payment processing business of U.S. Bank, is an industry leader in hospitality, providing payment services to six of the 10 largest hotel brands.

This collaboration between Grazzy and U.S. Bank comes at a critical time as service industries continue navigating evolving post-pandemic workforce dynamics. As cashless tipping becomes a more common element of tipped jobs, this initiative provides a scalable solution for employers seeking to modernize their payment processes and improve employee satisfaction.

About Grazzy
Grazzy helps hourly employees make more money, access it the same day, and save and spend in more meaningful ways. By improving financial wellness for front line workers, Grazzy reduces retention and recruiting costs for hotels, bars, restaurants, salons, car washes, and more. Grazzy also benefits back-of-the-house operations by providing assistance to ensure tax compliance, scaling for businesses of any size, and real-time assistance with an expert care team. Our extensible payments platform enables digital tipping, instant disbursements, and inclusive banking solutions that are built to scale with hospitality and services businesses of any size. To learn more visit https://www.grazzy.com

About U.S. Bank

U.S. Bancorp, with more than 70,000 employees and $678 billion in assets as of December 31, 2024, is the parent company of U.S. Bank National Association. Headquartered in Minneapolis, the company serves millions of customers locally, nationally and globally through a diversified mix of businesses including consumer banking, business banking, commercial banking, institutional banking, payments and wealth management. U.S. Bancorp has been recognized for its approach to digital innovation, community partnerships and customer service, including being named one of the 2025 World's Most Ethical Companies and one of Fortune's most admired superregional banks. Learn more at usbank.com/about.

The Focus Card is issued by U.S. Bank National Association pursuant to a license from Visa U.S.A. Inc. or Mastercard International Incorporated. Mastercard is a registered trademark and the circles design is a trademark of Mastercard International Incorporated. ©2025 U.S. Bank. Member FDIC. 

Contact:
Rick Medeiros
5105568517
[email protected]

SOURCE Grazzy