The Credit One Bank Employee Relief Program provides limited, one-time financial assistance to eligible Credit One Bank employees experiencing a serious emergency that directly impacts their household’s health, safety, or financial stability. The program is funded by Credit One Bank and its employees and is administered by United Way of Southern Nevada (UWSN) to ensure confidentiality and fairness. Funding decisions are made by the UWSN Crisis Fund Committee.
What is the Credit One Bank Employee Relief Program?
The Employee Relief Program is designed to help employees during true, unforeseen emergencies—situations that create an immediate and significant hardship and are not caused by the employee’s negligence.
This program is intended to provide one-time support, not ongoing financial assistance. Employees are encouraged to explore other available resources first and use the Employee Relief Program as a supplemental safety net when those options are limited or unavailable.
Who Can Apply?
Eligibility Requirements
To be eligible, applicants must:
- Be a current Credit One Bank employee
- Have completed at least 90 days of employment
- Not be on a last and final corrective action
- If on leave, be on a job-protected leave
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- Employees on personal leave are generally not eligible; limited exceptions may be considered for medical-related personal leave
Assistance may be requested for:
- The employee, and/or
- The employee’s immediate family members, as defined by the federal tax code, including:
- Lawful spouse
- Unmarried dependent children (including adopted children, stepchildren, legal wards, and foster children living full-time in the home) who are:
- Under age 19, or
- Under age 26 if enrolled full-time in an accredited college, university, trade, or technical school
Funding Limits (Callout)
- Assistance may be requested once during any rolling 12-month period
- The maximum assistance available is up to $3,000 within that 12-month period
What the Fund Can Help With
Eligible Types of Emergencies
Qualifying emergencies may include, but are not limited to:
- Severe illness or accident affecting the employee or an immediate family member
- Death or severe illness of an immediate family member
- Fire, robbery, or vandalism affecting the primary residence
- Natural disasters (floods, earthquakes, hurricanes, tornadoes, etc.)
- Other life-altering emergencies or financial crises beyond the employee’s control
Examples of Eligible Expenses
Approved assistance may help cover essential expenses such as:
- Past-due rent or mortgage payments needed to prevent eviction or foreclosure
- Utility bills needed to prevent shutoff or restore service (electric, gas, water)
- Medical or dental bills related to the qualifying emergency
- Funeral or burial costs for an immediate family member
- Other essential expenses directly related to the crisis, as determined by the committee
What the Fund Cannot Cover
Ineligible Expenses
The Employee Relief Program cannot assist with:
- Nonessential expenses (e.g., cable or satellite TV)
- Payments to payday loan companies or similar high-interest lenders
- Ongoing or chronic financial shortfalls not tied to a specific emergency event
- Payments issued directly to employees
How Decisions & Payments Work
How Applications Are Reviewed
All applications and supporting documents are reviewed by the United Way Crisis Fund Committee. The committee will:
- Verify eligibility
- Review required documentation
- Request additional information if needed
- Determine approval and assistance amount, up to the allowable maximum
All decisions are final and reviewed on a case-by-case basis.
How Payments Are Issued
If approved:
- Payments are made directly to service providers (e.g., utility companies, landlords, hospitals, funeral homes)
- Funds are never paid directly to employees
What You’ll Need Before You Apply
Required Documentation
Applicants must submit complete documentation showing:
- The type of assistance requested
- The exact amount owed
Documents may include:
- Past-due utility or shutoff notices
- Mortgage statements or lease agreements
- Medical bills and insurance statements
- Funeral home invoices
- Approved FMLA or job-protected leave documentation, if applicable
Additional documentation may be requested, including bank statements or insurance coverage details.
Incomplete applications will delay review.
Application Information Required
Applicants will be asked to provide:
- Employee name and contact information
- Job title, department, hire date and employee number
- Employment status confirmation
- Household and dependent information
- A brief explanation of the emergency and how assistance will be used
- Details on any other assistance explored or received
Confidentiality
Confidentiality Assurance
All application information and supporting documentation are treated as strictly confidential. Information is used only to verify eligibility and evaluate assistance requests and is not shared with supervisors or coworkers.
How to Submit Your Application
How to Apply
- Start Employee Relief Program application (Survey Monkey Apply link)
- Attach all required documentation
- Email all questions to EAP@uwsn.org
Incomplete applications or missing documents will delay processing.