Get direct deposit up to 2 days early 1 at no extra cost with Wisely ® by ADP ® .

Earn cash back 1 rewards on everyday purchases with Wisely by ADP ® .

Get ahead of paying your bills, 2 whether it’s with the myWisely ® app, 1 or everywhere Visa ® debit cards are accepted and where Debit Mastercard ® is accepted.

Online, in-store, in-app, 1 or by phone—however you shop, Wisely ® by ADP ® puts you in charge.

Is there a cost to use Earned Wage Access? 1

There is no cost to transfer your earned wages into your Wisely account. See your Wisely Cardholder Agreement and Disclosure or the Earned Wage Access 1 Terms & Conditions in Account Settings for more information about fees that may apply related to transactions you may choose to make with your Wisely account.

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Q: No Hidden Fees

With Wisely ® by ADP ® , you can spend, plan, and save without hidden fees sneaking up on you. 1

Q: Security

Your Wisely ® account balance is protected. We work hard to safeguard your money.

Q: Savings

With Wisely ® , you can save for the things that matter most to you. That’s financial fitness—on your terms.

Q: Surcharge-Free In-Network ATMs

Wisely ® gives you access to up to tens of thousands of surcharge-free in-network ATMs nationwide. 1

Q: What is Earned Wage Access? 1

Earned Wage Access, 1 powered by DailyPay, allows you to access a portion of your pay before payday through your Wisely ® card.

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Early Direct Deposit

Get direct deposit up to 2 days early¹ at no extra cost with Wisely^® by ADP^®.

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Who We Are

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Terms & Conditions

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No Hidden Fees

With Wisely^® by ADP^®, you can spend, plan, and save without hidden fees sneaking up on you.¹

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Cash Back Rewards

Earn cash back¹ rewards on everyday purchases with Wisely by ADP^®.

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Bill Pay

Get ahead of paying your bills,² whether it’s with the myWisely^® app,¹ or everywhere Visa^® debit cards are accepted and where Debit Mastercard^® is accepted.

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Shop

Online, in-store, in-app,¹ or by phone—however you shop, Wisely^® by ADP^® puts you in charge.

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Security

Your Wisely^® account balance is protected. We work hard to safeguard your money.

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Benefits

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Savings

With Wisely^®, you can save for the things that matter most to you. That’s financial fitness—on your terms.

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Surcharge-Free In-Network ATMs

Wisely^® gives you access to up to tens of thousands of surcharge-free in-network ATMs nationwide.¹

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Upgrade Wisely Card

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Carrier Terms & Conditions

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Help

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FAQ

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What is Earned Wage Access?¹

Earned Wage Access,¹ powered by DailyPay, allows you to access a portion of your pay before payday through your Wisely^® card.

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How do I get started with Earned Wage Access?¹

After you activate your Wisely card and set up your myWisely account, you can visit the transfers section of the myWisely app⁴ or online at myWisely.com to get started.

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Is there a cost to use Earned Wage Access?¹

There is no cost to transfer your earned wages into your Wisely account. See your Wisely Cardholder Agreement and Disclosure or the Earned Wage Access¹ Terms & Conditions in Account Settings for more information about fees that may apply related to transactions you may choose to make with your Wisely account.

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Tax Refunds

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Financial Wellness

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Which bill paying personality are you?

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3 Ways You Can Make Bills Less Painful

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Know the five FICO^® score⁵ factors

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Tips and Tricks of Direct Deposit³

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How early direct deposit² can be a game changer

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Top three signs you should consider the 50/30/20 rule.

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3 ways you can make cash back¹ rewards even more rewarding

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Saving tips to put you on a better financial path forward

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Privacy Policy

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Activate

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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. Upgrade may not be available to all cardholders. ↩
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, Mastercard or Visa product or service, nor does Fifth Third Bank, Pathward, Mastercard or Visa endorse this offer. ↩
Cash Back Rewards on purchases at participating merchants are powered by Dosh Rewards. Opt-In is required for Dosh Rewards only. Most Cash Back Rewards will appear in your savings envelope within 4 weeks after the transaction has completed. Only Cash Back Rewards for the purchase of eGift cards will appear instantly. eGift Card Cash Back offers 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 savings envelope into the available balance on your card. You must login to myWisely to access the Rewards feature for purchases and e-gift 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 or by calling the number on the back of your card. 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. ↩
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. ↩
Because this card is prepaid, you can only spend what is on the card and thus are unable to overdraft. ↩
The number of fee-free ATM transactions may be limited. Please log in to the myWisely app or mywisely.com and see your cardholder agreement and list of all fees 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 at any time using the myWisely app mobile app or at mywisely.com. ↩
To help the federal government fight the funding of terrorism and money laundering activities, the USA PATRIOT Act requires all financial institutions and their third parties to obtain, verify and record information that identifies each person who opens a card account. ↩
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. The Wisely card is not a credit card and does not build credit. ↩

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.