Employees restock racks at a Wal-Mart Stores Inc. location in Burbank, Calif.

Wal-Mart Stores Inc., working together with two financial-technology startups, enables its 1.5 million-strong U.S. workforce to draw on the wage ahead of payday — or squirrel a number of it away for a rainy time.

The world’s biggest store has revealed financial-planning tools created by also accountable Finance Inc. and PayActiv Inc., a move that allows its workers access received wages ahead of planned paychecks and give a wide berth to bounced checks or payday lenders.

Staffers will get eight free uses per year of this Instapay device via Even’s personal-finance application, that is from the employee’s checking or account that is prepaid Wal-Mart’s payroll system. Read more →