Target's myTime App Connects Hourly Workers to DailyPay Earned-Wage Access

If a bill hits before payday, the two-week wait on a bi-weekly pay cycle can feel like a wall. For Target hourly team members, there's a built-in path around it: the myTime app, which connects directly to DailyPay and lets you pull earned wages before the standard payday arrives. Here's exactly how the two tools work together, what it costs, and what to know before you sign up.

What myTime actually does

The myTime app is Target's official app designed to manage mobile access for employees, functioning as a time and attendance tool. Through it, team members can view their schedule, indicate availability preferences, request to cover shifts, pick up shifts, and check pay information. The myTime portal connects to Workday, Target's HR management system, giving team members self-service access to pay stubs, work schedules, and tax-related documents. Think of it as the hub where your hours, schedule, and pay information converge in one place you can check from your phone on a break.

What earned-wage access actually means

Before getting into how DailyPay plugs into myTime, it helps to understand what earned-wage access (EWA) is and what it isn't. On-demand pay, also known as earned wage access, gives employees access to their earned pay before payday. That's a meaningful distinction: this isn't a loan, a cash advance, or a payday lending product. EWA apps provide a responsible solution by allowing employees to access a portion of their earned wages without borrowing. You're simply drawing down money you've already worked for, before the official deposit date.

How Target's DailyPay benefit works

Target team members control when they receive their earned but unpaid wages through the DailyPay app. At no cost to enroll, team members can transfer and receive pay for hours they worked today, the next business day, for free.

The mechanics are straightforward. Each day you work, you build up a Pay Balance in your DailyPay account that can be transferred into your bank account, to your debit card, or to your payroll card. This balance is updated when you clock out of each shift. You can access funds from your Pay Balance instantly or next-business day.

Whatever money is leftover in your Pay Balance after you make transfers during a pay period will automatically be paid to you on your next payday as Remainder Pay. In other words, using DailyPay early doesn't eliminate your regular paycheck; it just restructures when portions of it arrive.

One important nuance: the Pay Balance you see in your DailyPay account is your net Pay Balance and excludes any estimated taxes, deductions, and other withholdings such as garnishments. What you see available to transfer is already a take-home estimate, not gross wages.

Transfer options and fees

DailyPay enables you to view your Target paycheck and transfer the money to a bank account, pay card, or debit card at no cost in one business day, or instantly for $2.99 per transfer. You can also save your earned pay in a savings account of your choice at no cost.

To summarize your transfer options:

• Next-business-day transfer to a bank account, pay card, or debit card: free
• Instant transfer to a bank account, pay card, or debit card: $2.99 per transfer
• Move to a savings account: free

DailyPay's software uses an algorithm that prevents you from taking out more money than you have, so there's no risk of inadvertently overdrawing your earned balance.

How to enroll

You can enroll through the Target employee portal or the DailyPay app. When you sign up for DailyPay through Target, you'll be able to access your earned pay 24/7/365. Everything from enrollment to accessing earned pay to contacting support is available 24/7/365, designed to be used on your own timeline.

The enrollment process itself is quick. Employees download the DailyPay app and create their account in minutes. Once connected, the system reads your clock-in and clock-out data and begins populating your Pay Balance automatically after each shift.

Beyond early access: DailyPay's broader financial tools

DailyPay isn't just a transfer button. Through the platform, you can track your credit score for free, set aside savings, and earn cash back on everyday purchases with the DailyPay Visa Prepaid Card. Free credit monitoring, goal-based savings, financial counseling, and paycheck tracking tools can help you address immediate financial needs while also preparing for the future. For team members navigating tight budgets, these tools matter beyond just the early-pay feature.

The benefit is designed to help break free from predatory loans, late fees, and overdraft charges. With DailyPay, you access your money when you need it with no required fees and no hidden conditions.

Target's broader pay picture

DailyPay sits inside a pay-and-benefits structure that Target has been building out over several years. In 2022, Target enhanced its starting pay, offering a range of $15 to $24 per hour depending on role and location. Today, the average wage for frontline team members is above $18.50. Hourly team members, the largest team member group at Target, become eligible for health benefits at just 25 hours per week.

The majority of Target team members are paid bi-weekly, which makes DailyPay especially relevant for anyone whose expenses don't align neatly with a two-week cycle. The ability to pull a day's earnings the morning after working a closing shift changes the calculus on whether a bill gets paid on time or not.

If you run into issues

For login or access problems with myTime, you can call the HR Operations Center at 1-800-394-1885, though you'll need your employee ID and relevant details ready to verify your identity. For DailyPay-specific questions, there is a help section within your DailyPay account, and if you still need help, their customer support team is available 24 hours a day, seven days a week.

The connection between myTime and DailyPay represents one of the more practical financial tools available to hourly retail workers. It doesn't change what you earn; it changes when you can use it. For team members working variable hours across a two-week pay cycle, that timing difference is often the most important one.