Early Warning Services (Zelle)

Diversified Financials

Corporate Bias Rating

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Risk Level:

Rating - Danger
High Risk


Early Warning Services is a financial technology that operates the Zelle service. Early Warning Services is owned by Bank of America, Truist, Capital One, Wells Fargo, JPMorgan Chase, PNC Bank, and US Bank. With the exception of PNC who scored a 95, all of these companies scored a 100 on the Human Rights Campaign's (HRC) Corporate Equality Index (CEI). To the extent Early Warning Services follows the policies of these companies and complies with the HRC's controversial demands, the company increases the risk of dividing employees, alienating customers and harming shareholders. The company covers transgender-related medical costs for its employees and their children and provides specific sexual orientation and gender identity-based benefits. It also uses sex and gender ideology criteria in employee recruitment, vendor selection, marketing, and philanthropic support. Early Warning Services likely forces employees to undergo multiple ideological trainings and uses its reputation, corporate funds, and political influence to support controversial sex and gender ideologies, organizations, and legislation. The company does not provide viewpoint protections for its employees but has not publicly terminated business relationships based on views or beliefs. Early Warning Services opposed various state and local legislation intended to protect parental rights, girls’ sports, bathroom facilities, and gendered spaces. For these reasons, Early Warning Services earns a High Risk rating.

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