Direct Deposit

For more information about how to get paid early¹⁴ with Direct Deposit, click here.

See the back of your card to determine card type

Wisely Pay Members

1. Log into your Wisely account in the myWisely app⁷ (or at mywisely.com) to retrieve your account and bank routing numbers
2. Provide to your HR payroll representative

Wisely Direct Members
If you have access to your ADP employee portal, then follow these steps to set up direct deposit² and enable early direct deposit.¹⁴

1. Log in to your ADP employee portal
2. Navigate to the payment options/direct deposit² setup section
3. Follow instructions to set up direct deposit² to your Wisely by ADP^® card

If you do not have access to ADP employer portal, then follow these steps to set up direct deposit² and enable early direct deposit:¹⁴

1. Log into your Wisely account in the myWisely app⁷ (or at mywisely.com) to retrieve your account and bank routing numbers.
2. Provide to your HR payroll representative

How do I know which card I have?

Early direct deposit¹⁴ allows Wisely® cardholders to access funds directly deposited up to 2 days earlier¹⁴ than the posted pay date and up to 4 days earlier for government benefits.

This service may require an upgrade.¹⁷ For more information on upgrades click here

Once you elect to receive your pay on your Wisely Direct card and opt-in to receive Early Direct Deposit:¹⁴

1. Your employer submits payroll to their bank
2. Wisely receives your employer’s payment instructions
3. Wisely deposits funds after processing
4. In most cases, you will receive pay up to 2 days early,¹⁴ but it may be less depending on when we receive the payment instructions

This service may require an upgrade.¹⁷ For more information on upgrades click here

No. There is no cost¹⁸ to you at all.

Yes, you do need to opt in to early direct deposit,¹⁴ even if you already have direct deposit set up for your pay, but it’s simple.

Log in here or download the myWisely® app⁷ and go to your account settings > direct deposit.

Slide the early direct deposit button on to agree to the disclosures and to enable early direct deposit.¹⁴

This service may require an upgrade.¹⁷ For more information on upgrades click here

No.

Early direct deposit¹⁴ allows Wisely^® members to receive funds directly deposited up to 2 days earlier¹⁴ than the posted pay date and up to 4 days earlier¹⁴ for government benefits. In most cases, you will receive your funds early, but it may be less depending on when Wisely receives the payment instructions. Early access is dependent on when Wisely receives the submission file from the employer/payer. Wisely will post payroll as soon as we receive the file.

Be sure to opt-in to push or email notifications⁷ for direct deposits as a way to alert you as soon as your payroll deposit is processed.

This service may require an upgrade.¹⁷ Learn more about upgrades.¹⁷

Learn more how you can get paid early¹⁴ with Direct Deposit.

There are a number of factors that could affect the timing of your early direct deposit.¹⁴ Your employer may have sent the payroll file later than usual or it may have been processed after the cutoff time. In most cases, you will receive pay up to 2 days early,¹⁴ or and up to 4 days earlier¹⁴ for government benefits, but it may be less depending on when we receive the payment instructions.

Yes, bank holidays could cause an impact on payday when it falls on a bank holiday. The pay file will be processed before or after the holiday dependent on when we receive payment instructions.

Please note the 11 bank holidays on which payments are not received by Wisely: New Year’s Day, Martin Luther King Jr. Day, President’s Day, Memorial Day, Juneteenth National Independence Day, Independence Day, Labor Day, Columbus Day, Veterans Day, Thanksgiving Day, and Christmas Day.

For holidays falling on Saturday, Federal Reserve Banks and Branches will be open the preceding Friday. For holidays falling on Sunday, Federal Reserve Banks and Branches will be closed the following Monday.