Pay Day Your Way, Get Paid Early

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

Cash Back Rewards

Make everyday purchases more rewarding.

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

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.

Savings

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

"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."

- TAMMY P.

Afford yourself every advantage™.

Enroll Now

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. ↩
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 see the Wisely Direct cardholder agreement and list of all fees for more information here. ↩
Please allow up to 3 weeks for funds to be loaded to the card after initial setup of direct deposit to your card. ↩
Faster funding claim is based on a comparison of our policy of making funds available upon receipt of payment instruction versus the typical banking practice of posting funds at settlement. Fraud prevention restrictions may delay availability of funds with or without notice. Early availability of funds requires payor’s support of direct deposit and is subject to the timing of payor’s payment instruction. 4 days faster funding claim is limited to federal government benefit funds. IRS processing times will not be affected. For up-to-date information from the IRS, visit www.irs.gov/refunds. ACH load limits will apply. To view your load limits, click here to view the cardmember agreement.↩
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 Wisely Rewards savings envelope within the next calendar month following your completed transaction. 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 log in to myWisely to access the Rewards features for purchases and eGift cards. These optional offers are not Fifth Third Bank, Pathward, Mastercard, or Visa products or services, nor does Fifth Third Bank, Pathward, Mastercard, or Visa endorse these offers. ↩
To view applicable fees, please see the Wisely Direct cardholder agreement and list of all fees for more information here. ↩
Because this card is prepaid, you can only spend what is on the card and thus are unable to overdraft. ↩
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 the Wisely Direct cardholder agreement here. ↩
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 product or service, nor does Fifth Third Bank, Pathward or Mastercard endorse this offer. ↩
Standard message and data rates may apply. ↩
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. ↩
The number of fee-free ATM transactions may be limited. Please see the Wisely Direct cardholder agreement and list of all fees for more information here. ↩

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. the Wisely Direct Mastercard can be used where debit Mastercard is accepted. Mastercard and the circles design are registered trademarks of Mastercard International Incorporated.

Let's make payday "your way."