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At my store, everyone on the salesfloor has a water bottle. In fact, there are free ones set aside for us to grab in receiving. Maybe it's your store that isn't allowing it.

FYI - the option you listed above in Workday goes away once you use it the first time, that's what OP was asking about:

Just FYI - I did a couple of transfers just for the hell of it and now it says in the app: Any Remainder Pay will be automatically transferred, free of charge, on Thu Nov 5. Also, something to be aware of, too. I went into Workday because I needed to update my Direct Deposit to a new bank...

Yes! I saw this on my device too! I was like whoa!

The website says "You can transfer and receive your pay on the next business day for free, or receive your pay instantly for $2.99." And it looks like it only is offering me half of what I'm earned already for the week. I don't think it's something I'll use unless it's an absolute emergency.