I want to use my benefits

Manage Credit & Debt

Manage credit, reduce debt, and make informed financial decisions. The following programs will help you build financial confidence, improve your credit health, and take meaningful steps toward long-term financial stability.

Build Credit with Cred.ai

Cred.ai Pro replaces your debit card, provides faster access to your paycheck, and helps optimize your credit automatically. Simply useCred.ai Pro as your direct deposit account and spend as usual. Cred.ai’s Credit Optimizer works in the background to improve your credit, making it easier to refinance loans, buy a car, or rent an apartment.

Features include a secure self-destructing virtual card, merchant controls, automatic fraud detection, 24/7 support, access to 55k+ATMs, $250k FDIC insurance, and a guarantee to never pay fees or interest, all through the limited-edition Unicorn Visa Card.

  • Sign up at cred.ai/chipotle. You’ll instantly receive a new Cred.ai Pro despot account and routing number
  • Log into Workday using your Okta login (okta.chipotle.com)and select Benefits and Pay
  • Under Payment Elections, select “Add” to add a new deposit or “Edit” to change a current deposit with the Cred.ai account details

Get the Pulse on Your Finances with the SoFi at Work Financial Dashboard

The SoFi at Work Financial Dashboard empowers you to track your spending, monitor credit scores, create budgets, and manage debt. Additionally, the dashboard provides access to educational resources, personalized financial planning, and refinancing options, helping you make informed decisions and achieve your financial goals.

Use the dashboard to stay in tune (and improve) your overall financial wellness.

Financial Planning through the EAP

The SupportLinc Employee Assistance Program (EAP) offers confidential support for a wide range of personal and financial challenges, including financial planning. Access expert guidance on budgeting, debt management, saving strategies, and long-term financial goals. SupportLinc helps you gain clarity, develop a plan, and build confidence in managing your finances.

Student Loan Payment Support

With Secure 2.0, Chipotle will match your eligible student loan payments in the form of an additional 401(k) employer contribution. This contribution, subject to annual limits, will be added to your account at the end of the year. You must be eligible for the 401(k) Retirement Plan in order to receive the student loan contribution match.