Illustration of check, phone, and calendar, representing early direct deposit access.
Early Direct Deposit

No more waiting for payday.

Whether there's an upcoming bill or you're planning for the weekend, Wisely® gives you direct deposit3 access up to 2 days early.1 Looking forward to your tax refund? Get it up to 4 days early.4

Illustration of shopping cart, representing cash back rewards with Wisely.
Cash Back Rewards

Make everyday purchases more rewarding.

Earn cash back rewards5 where you already like to shop, dine, and travel.

Illustration of no money symbol, representing no hidden fees with Wisely card.
No Hidden Fees

Leave hidden fees6 behind.

No annual fees. No minimum balance fees. No fees on everyday spending. And no overdraft fees7 because we won't let you overdraft your card in the first place.

Illustration of safe, reassuring Wisely customers they are protected against unauthorized charges.
Fraud Protection

Protect your pay. Keep fraud at bay.

Your account comes with features to protect you against unauthorized charges.8 Not sure where you left your card? Lock it instantly to block all transactions.

Illustration of shopping bag, encouraging Wisely customers to use their Wisely card to shop.
Shop and Pay

Shop and pay bills with confidence.

Use your Wisely card to shop wherever Debit Mastercard® is accepted. Then, when it's time to pay bills,9 you're free to do so online, in-store, in-app, 10 or by phone. You can even schedule future bill payments securely using the myWisely® app.

Illustration of envelope with money, showing Wisely customers how they can save for a new car or vacation.

Save for everyday goals — and a brighter future.

Setting up automatic transfer to your Savings Envelope11 is simple and allows you to save money for whatever the future might have in store, whether that's an unexpected expense (like car repairs) or a much-needed vacation.

Illustration of money in hand after saving on ATM fees with Wisely.
Get Cash

Withdraw cash, without worry.

Enjoy cash back at the register at many of your favorite major retailers or at tens of thousands of surcharge-free in-network ATMs nationwide.12

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"I love getting my pay two days earlier with early direct deposit. I don't have to stress about when my money will clear before I can use it and I don't have to worry about late fees when paying my bills. The money is always available when I need it."


Afford yourself every advantage™.

Sign up with Wisely and start a better financial path forward today.