Payroll and Prepaid Card Benefits

Wisely member benefits help you
get more for your money

graphic illustration showing myWisely app example Available Balance screen

Get early direct deposit to
better manage your money

With early direct deposit, you can get paid up to 2 days early. Get early pay from multiple jobs, government benefits, and tax refunds, too. Best yet? Take your Wisely prepaid debit card with you, even if you change jobs.

Avoid hidden fees and minimums

With Wisely there are no minimum balance fees or fees on everyday spending. No annual fees, overdraft fees, or fees for in-network ATMs either. When there are certain types of fees associated with your card, you can count on us to be transparent about it.

mobile phone showing Wisely card added to digital wallet ready for contactless payments

Protect yourself against debit card fraud

Certain transactions are protected by either the Visa^® or Mastercard^® Zero Liability Policy. Real-time alerts and ability to lock your card offer more control. Certain cards come with EMV chip technology (an upgrade feature) for added protection.

Earn rewards for all the ways you like to shop

Use your Wisely card wherever Visa debit card or Debit Mastercard is accepted. Add your card to your digital wallet for contact-less payments. Plus, earn promotions at thousands of participating retailers when you buy eGift cards through myWisely. Add your card to your digital wallet for contact-less payments.

man using myWisely app to send peer transfer

Meet your budgeting and savings goals

Schedule payments and pay your bills securely with online bill payment. View and track payment history all in one place. Save with our savings envelope that lets you automatically set aside money into categories.

Move money when and where you need it

Get cash at thousands of surcharge-free, in-network ATMs nationwide. Send and receive funds from Venmo and PayPal, plus transfer money from your Wisely account to external accounts. You can even transfer funds to other Wisely cardholders who are enrolled in peer transfer – almost immediately at no cost. Upgrade may be required for certain features.

Backed by the company that pays 1 in 6 private sector workers in the U.S.

Trust comes with Wisely. That’s because we’re backed by ADP, the payroll processing company with 70 years of experience helping to ensure people get paid accurately and on time.

FinTech Futures PayTech Awards 2023 Finalist

FinTech Breakthrough Awards 2023 Banking Innovation Award

FinTech Futures Banking Tech Awards 2023 Winner

illustration showing myWisely app example screen with Upgrade Card button just below Available Balance

Upgrade (at no cost) to get the most out of Wisely

If you’re currently using your Wisely prepaid debit card to receive direct deposit from your employer, you might be eligible for an upgrade.

Why upgrade?

Get full access to Wisely card features.
Add funds to your card at 90,000+ retailers.
Take your card to your next job, too.
It won’t cost you a thing.

Learn more about upgrades

Why choose a Wisely card?

A Wisely prepaid debit card gives you more flexibility and control so you can accomplish your everyday financial goals.

No annual or minimum balance fees, and no overdraft fees.

With no monthly minimums, no fees on everyday spending, and no overdraft fees, Wisely members can do more with their money. Use your Wisely account just for paying bills, setting aside savings, or earning rewards.

No credit check needed, and no impact on your credit score.

You don’t have to worry with Wisely. When we verify your identity, we do so without checking your credit or impacting your score in any way. We help you get on your way as a Wisely member, quickly and easily.

Secure transactions and protection from debit card fraud.

We take security seriously so we have safeguards in place like card lock, protection against unauthorized charges, and travel notifications. Just call us if your card has been lost or stolen, or you notice suspicious activity on your account.

Backed by ADP, the industry leader in payments.

Count on getting paid with Wisely by ADP, wherever your employment path leads. While you may have received your prepaid debit card through your employer, the card is yours to keep - even if you change jobs.

People love Wisely

From easy ways to save, to money management on the go – here’s what our customers are saying.

“I enjoy receiving my pay early so I can pay my bills more easily. I also enjoy having a little cash.”

— EILEEN N.

“[The Wisely app] is easy to use, the savings envelope feature is pretty great, and I like that I can lock my card if anything were to happen.”

— Shaun f.

“Each week I can pay a bill coming due, set aside more in a rainy day or emergency fund, or have the comfort of having the remaining balance on the card to buy fuel, for example.”

— Kathryn m.

Prepaid Debit Card Benefits

Frequently Asked Questions

What is a prepaid debit card?

A prepaid debit card is a type of payment card that allows you to put a specific amount of money onto the card in advance. You can then use the card to make online and in-store purchases, withdraw cash from ATMs, pay bills online, and perform other transactions wherever Visa^® debit card or Debit Mastercard^® is accepted. Prepaid debit cards are reloadable cards that allow you to add funds in various ways, including direct deposit, but also at major retail chains, for example. People sometimes prefer prepaid debit cards to other types of accounts because they often require no monthly minimums and have no overdraft fees. You can only spend what you have on the card.

How is a Wisely prepaid debit card different from a regular debit card?

One of the main differences between a Wisely prepaid debit card and a regular debit card is that Wisely offers prepaid debit cards vs. a deposit-based account. With a Wisely card, there are no overdraft fees because you can’t spend more than what is available on your card. In cases where identity verification is needed, Wisely does this without checking your credit or impacting your score in any way. A Wisely prepaid debit card is also reloadable, so you can add funds to it in a variety of ways. A regular debit card is tied to an account, which usually holds deposited funds. You can then access the funds by writing checks and making ATM withdrawals or electronic transfers.

How do I activate my card?

Once you’ve received your card, you will need to activate it and set your PIN (Personal Identification Number). For security purposes, do not use personal information as your PIN.

To activate your Wisely card

Log into the myWisely^® app or mywisely.com.
Click or tap on Activate Card and follow the instructions.

You may also call Wisely Member Services to activate your card.

Wisely Pay members: 1-866-313-6901

Wisely Direct members: 1-866-313-9029

Wisely Cash members: 1-877-431-5860

Can I use my Wisely card for recurring monthly payments?

Yes, you can use your Wisely card to make monthly payments to merchants where Debit Mastercard^® is accepted or everywhere Visa^® debit cards are accepted. Contact your biller/retailer for their direct bill payment options to see if they accept card payments. Third-party fees may apply.

Log into the biller/retailer website.
Enter your Wisely card information in the recurring bill payments form.

You can also use the bill pay services powered by Papaya by logging into your account on the myWisely^® app. Please refer to the separate terms and conditions and fees pertinent to the bill payment service provider. The myWisely^® app also allows you to schedule one-time payments in advance.

The bill pay services available within the myWisely^® app do not manage recurring payments.

How do I check my balance and view transaction history without a fee?

There is no fee to check your Wisely card balance or transaction history. Log into the myWisely^® app or mywisely.com to:

Check your balance
View transaction history
Find nearby ATMs
See spending trends, and more

You can also set up email, push or text alerts, including low balance notifications at whatever amount you decide.

What if my card is lost, stolen, or used without my permission?

Don’t worry! There are several ways to safeguard your card.

If your card is lost, stolen, or misplaced

Be sure to instantly lock your card using the myWisely^® app or on mywisely.com so your card cannot be used.

To lock your card

Log into the myWisely^® app or mywisely.com.
Go to Account Settings, then open Card Settings to lock your card.

Note: Pending transactions will go through even if you lock your card.

If you find your card, you can instantly unlock it and resume using it.

If you cannot find your card, call Wisely Customer Service immediately:

Wisely Pay members: 1-866-313-6901

Wisely Direct members: 1-866-313-9029

Wisely Cash members: 1-877-431-5860

How do I know which card I have?

We will cancel your card and transfer the funds to a new card that will be sent to you. Please note that funds are not transferred until your new card has been activated.

Sign up in minutes — at no cost.

No minimum balance fees. No overdraft fees either. And no credit check so no impact on your credit score.

Enroll Now

To view applicable fees, please log in to the myWisely^® app or mywisely.com to see your cardholder agreement and list of all fees for more information.
You must opt-in to early direct deposit on mywisely.com or myWisely^® mobile app. Early direct deposit of funds is not guaranteed and is subject to payor’s support and the timing of payor’s payment instruction. Faster funding claim is based on a comparison of our policy of making funds available upon our receipt of payment instruction with the typical banking practice of posting funds at settlement. Please see full disclosures on mywisely.com or myWisely^® app. Please allow up to 3 weeks for funds to be loaded to the card after initial setup of direct deposit to your card. Additional Identification verification is required.
Please allow up to 3 weeks for funds to be loaded to the card after initial setup of direct deposit to your card.
The bill pay feature, powered by Papaya, is available through the myWisely^® app. Additional terms and limits apply. This optional offer is not a Fifth Third Bank, Pathward or a Mastercard or Visa product or service, nor does Fifth Third Bank, Pathward, Mastercard or Visa endorse this offer.
eGift Card cash back offers are powered by Blackhawk Network and range from 2% - 12%, depending on the gift card that is purchased. Cash Back amounts will be disclosed before you select a gift card. Please review the Terms and Conditions of each eGift card product before purchase. Funds from all Rewards can be moved from the Wisely Rewards savings envelope into the available balance on your card. You must log in to myWisely to access the Rewards feature for eGift cards. These optional offers are not a Fifth Third Bank, Pathward, Mastercard or Visa product or service, nor does Fifth Third Bank, Pathward, Mastercard or Visa endorse this offer.
If you have a Wisely Pay card or Wisely Cash card (see back of your card), access to certain features or loading funds from sources other than the company you received your card through requires an upgrade, which you can request in the myWisely app. Requesting an upgrade will automatically initiate an identity verification process utilizing your personal information already on file which must be validated in order to upgrade. Card may be restricted or closed if your identity cannot be verified. Upgrade may not be available to all cardholders. If you have a Wisely Direct card (see back of card), you're already upgraded.
The number of fee-free ATM transactions may be limited. Please see your cardholder agreement fee schedule for more information.
Your funds are protected from fraud if your card is lost or stolen. You must notify us immediately and assist us in our investigation if your card is lost or stolen or you believe someone is using your card without your permission. For more information, please review your cardholder agreement by logging in to the myWisely^® app or online at mywisely.com.
See your Cardholder Agreement for full zero-liability information. Under MasterCard’s Zero Liability Policy, your liability for unauthorized transactions on your Card Account is $0.00 if you notify us promptly upon becoming aware of the loss or theft, and you exercise reasonable care in safeguarding your Card from loss, theft, or unauthorized use. These provisions limiting your liability do not apply to debit transactions not processed by MasterCard or to unregistered cards. Visa’s Zero Liability policy does not apply to certain commercial card and anonymous prepaid card transactions or transactions not processed by Visa. Cardholders must use care in protecting their card and notify their issuing financial institution immediately of any unauthorized use. Contact your issuer for more detail.
Amounts transferred to your savings envelope will no longer appear in your available balance. You can transfer money from your savings envelope back to your available balance using the myWisely^® app or at mywisely.com.
Peer Transfer transactions between enrolled users through Peer Transfer are final and cannot be reversed. A peer transfer recipient must be a primary card member who is actively enrolled in Wisely Peer Transfer before being sent a peer transfer. They cannot receive a peer transfer if they have not opted in. Peer transactions are typically processed within seconds but could take longer due to network timing, receiving bank processes, or other factors. Terms and limits apply. Please log in to the myWisely app or mywisely.com to see your cardholder agreement and transaction limits.
While this feature is available without a fee, certain other transaction fees and costs, terms, and conditions are associated with the use of this card. Please log in to the myWisely^® app or mywisely.com to see your cardholder agreement and list of all fees for more information.
The Wisely card is a prepaid card. Wisely^® Direct and Wisely^® Pay are not credit cards and do not build credit.
Standard message and data rates may apply.
Please review your cardholder agreement and third party terms and conditions (if applicable) to learn how this applies to you.

The Wisely Pay Visa^® is issued by Fifth Third Bank, N.A., Member FDIC or Pathward^®, N.A., Member FDIC, pursuant to a license from Visa U.S.A. Inc. The Wisely Pay Mastercard^® is issued by Fifth Third Bank, N.A., Member FDIC or Pathward, N.A., Member FDIC, pursuant to license by Mastercard International Incorporated. The Wisely Direct Mastercard is issued by Fifth Third Bank, N.A., Member FDIC. ADP is a registered ISO of Fifth Third Bank, N.A., or Pathward, N.A. The Wisely Pay Visa card can be used everywhere Visa debit cards are accepted. Visa and the Visa logo are registered trademarks of Visa International Service Association. The Wisely Pay Mastercard and Wisely Direct Mastercard can be used where debit Mastercard is accepted. Mastercard and the circles design are registered trademarks of Mastercard International Incorporated.

Prepaid Debit Card Benefits

See beyond payday. See Wisely.

Wisely member benefits help you get more for your money

Get early direct deposit to better manage your money