Individual and household economic precarity is increasingly important in the context of the climate crisis. The household finances of low-income and communities of color are already experiencing impacts “first and worst. California created the CalAccount program, a free and accessible public option for basic financial transactions. Key features of the CalAccount program include: accessibility for individuals who may not have government-issued photo identification and individuals who do not have permanent housing; enabling and streamlining remittance of local, state, and federal benefit and public assistance payments; enabling payroll direct deposit; establishing a process and terms and conditions for registered payees; and requiring landlords to allow a tenant to pay rent and security deposits by electronic funds from CalAccount. As a free public option for Californians to access their money, CalAccount would significantly improve the financial resilience of vulnerable households in the context of climate (and other) hazards.