“Can a payroll-deducted emergency savings platform become the default out-of-plan ESA infrastructure for HR and retirement-plan ecosystems following Secure 2.0?”
Sunny Day Fund is a workplace financial wellness platform focused on employer-sponsored emergency savings accounts (ESAs). The company positions itself as an embeddable ESA infrastructure for benefits platforms and retirement plan advisors, enabling payroll-deducted savings with employer-funded cash rewards. Its core thesis addresses the Secure 2.0 Act's provision allowing ESAs alongside 401(k) plans, positioning the product as both a standalone benefit and a complement to retirement plans to reduce hardship withdrawals.
Sunny Day Fund discloses Evolve Bank & Trust as its banking provider, according to the Embedded Finance Index 2026.
Sunny Day Fund does not disclose a bank charter of its own; its banking services are provided through Evolve Bank & Trust.
The Embedded Finance Index 2026 maps 2 layers in Sunny Day Fund's stack: Banking / BaaS (Evolve Bank & Trust); Sponsor bank (Evolve Bank & Trust).
Sunny Day Fund is headquartered in United States.
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