Question 1

Are there any limits on withdrawals at surcharge-free ATMs?

Accepted Answer

Yes, withdrawal limits depend on the specific surcharge-free ATM, meaning the financial institution has set a daily withdrawal limit. Some ATMs may have lower transaction limits. If both limits apply, the lower one will determine the maximum you can withdraw per transaction. It’s important to check the myWisely^® app and your cardholder agreement to understand the specific limits for your account.

Question 2

Are there fees associated with Peer Transfer?

Accepted Answer

Wisely Peer Transfer is quick and easy, and most importantly, there’s no cost!

Question 3

Are there fees for using my card?

Accepted Answer

There are fees for certain types of transactions. Log into the myWisely^® app or mywisely.com and refer to the Cardholder Agreement and List of Fees for details.

There are no minimum balance fees, monthly fees or annual fees for using your card. There are no overdraft fees because we will not authorize transactions that cause you to overdraw your card.

Also, there are no fees for:

Early direct deposit
Bill pay in the myWisely^® app
Savings Envelopes
Purchases
Card declines

Inactivity fees may be assessed after a certain period of inactivity. Keep in mind there are also charges for using certain features on your Wisely^® card.

Question 4

As a secondary cardholder, can I set up my Savings Envelope?

Accepted Answer

No, only primary cardholders are eligible to use Savings Envelopes in the myWisely^® app. If you have a secondary card, you will not be able to access this feature.

Question 5

Can I add money from other sources?

Accepted Answer

Yes, primary cardholders can add money to a Wisely card from other sources. This may include direct deposit income from second jobs, a tax refund or other government benefits.

Enter your account and routing numbers into the applicable direct deposit form or hand it to the HR person responsible for your pay.
To retrieve these numbers, register or log into the myWisely^® app or at mywisely.com.
Visit your Account Settings, then tap Direct Deposit to see your routing and account numbers.

Note: To add money from other sources, you must first pass an additional verification process. If you have a Wisely Pay card or a Wisely Cash card (see back of your card), this feature will require an upgrade. Requesting an upgrade will automatically initiate an identity verification process utilizing your personal information already on file.

Question 6

Can I automate my savings in my Savings Envelope?

Accepted Answer

Yes! You can automate savings in your Savings Envelope. In the myWisely^® app or mywisely.com, you can tell us to automatically move a specific dollar amount each month, or a dollar amount or percentage of each paycheck.

You can turn this feature on or off at any time.

Question 7

Can I dispute or cancel a pending debit transaction?

Accepted Answer

No. Please wait for the transaction to post on your account to allow the merchant enough time to correct and update any issues.

Note: At times, the amount completed is different from the amount that is pending.

However, if you suspect the pending transaction is fraudulent, please file a dispute by contacting Wisely Customer Service:

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?

Question 8

Can I edit or cancel a Peer Transfer payment?

Accepted Answer

Peer Transfer transactions are final and cannot be reversed. When you’re making a transfer, you’ll be given an opportunity to confirm that the recipient and amount are correct before finalizing the transfer. The funds are transferred within seconds. Peer Transfer should only be used to send money to friends, family or others you trust. It is recommended that you DO NOT use Peer Transfer to send money to those you do not know.

Question 9

Can I have my tax refund added to my Wisely card?

Accepted Answer

Yes. You can have your tax refund deposited directly to your Wisely card up to 4 days early. First, determine which kind of card you have.

If you have a Wisely Pay card

Be sure to upgrade your card at no cost to get your tax refund and other upgrade features. Requesting an upgrade will automatically initiate an identity verification process utilizing your personal information already on file.

Once your card is upgraded:

Log into the myWisely^® app or mywisely.com.
Tap on Account Settings > Direct Deposit to get your account and routing numbers.

If you already have a Wisely Direct card or an upgraded Wisely Pay card

Log into the myWisely^® app or mywisely.com.
Tap Account Settings > Direct Deposit to see account and routing numbers.

Your tax refund will be added to your Wisely card after your tax return is processed and completed by the IRS. To check the status of your refund, please visit the IRS website.

Tax refund limits

Expecting a nice big refund? Be sure to check your card load limits in advance.

Question 10

Can I redeem my eGift cards for cash?

Accepted Answer

eGift cards are intended for the purchase of goods and merchandise.

Please refer to the specific terms and conditions found on each card product’s page prior to purchase.

Question 11

Can I request a card for a spouse or family member?

Accepted Answer

Of course! You, as the primary Wisely^® member, can request up to three cards for your spouse or other family members.

Wisely secondary cards can be used to make point-of-sale or online purchases everywhere Visa^® Debit cards or where debit Mastercard^® are accepted. This eliminates the need to carry cash when grocery shopping, paying bills, going out to eat, and any other daily activities. Age limits may apply, please reference your Cardholder Agreement and List of Fees for more information.

To request a secondary card

Log into the myWisely^® app or mywisely.com.
On the main screen, scroll down to + Add a card to this account.
Follow the screen instructions to complete your request.

You will need the new secondary member’s name, Social Security Number, and date of birth to request the card.

Secondary cards are mailed to the primary member’s address on file. Secondary members can update their address in the myWisely app or at mywisely.com after activation.

Question 12

Can I save part of my tax refund for future bills or a special occasion?

Accepted Answer

Yes, and it’s easy! Once your tax refund is added to your card:

Log into the myWisely^® mobile app or mywisely.com.
Select Savings.
Then tap + Add Money to a Savings Envelope.

Question 13

Can I schedule a bill payment in advance?

Accepted Answer

Yes.

Select the date you want to make the payment by clicking on the Schedule For date.
You will receive a notification the day before the payment.
On the scheduled day, your payment will be sent securely.

Question 14

Can I send money to family and friends?

Accepted Answer

Absolutely. You can link your card to all your favorite peer-to-peer apps, like Venmo^® or PayPal^®.

Or if you prefer, you can purchase a MoneyPak^® at a retailer near you to send cash to friends and family. Just follow these steps:

Grab a MoneyPak from the debit card section of the gift card rack.
Hand your cash and the MoneyPak card to the cashier. A flat fee of $5.95 will apply.
Next, scratch off the unique MoneyPak number on the back of the card and give the number to your friend or family member.
Ask the person to set up an account at www.moneypak.com and follow the step-by-step instructions to add money to their eligible card.

Participating retailers include 7-11, CVS, Dollar General, Rite-Aid, Walgreens, Walmart, and many more. You can send anywhere from $20 to $500. To learn more and find a location near you, visit www.moneypak.com.

Note: Personal information, internet access, working email address, and mobile phone are required to use MoneyPak.

Wisely does not offer money transfers via Zelle at this time.

Question 15

Can I spend money that is tied up in a pending debit transaction?

Accepted Answer

Debit card purchases will immediately deduct from your balance to help prevent overspending. A pending debit is not part of your available balance and scheduled debit payments will deduct on the date they’re expected to post. We do not recommend viewing a pending debit as part of your balance to make sure you do not overspend.

Question 16

Can I still use my card for purchases when it&#8217;s locked?

Accepted Answer

No, purchase transactions will be declined when your card is in the locked status.

Question 17

Can I take this card with me if I change jobs?

Accepted Answer

Yes. Use the Wisely^® card to load money from multiple sources, including second jobs. Your Wisely card can go with you, regardless of your employer.

Upgrade is required for Wisely Pay cards. Requesting an upgrade will automatically initiate an identity verification process utilizing your personal information already on file.

How do I know which card I have?

Question 18

Can I transfer funds from my Wisely card to my bank account or an external debit card?

Accepted Answer

Yes, there are two ways you can do this. You can transfer using your bank account information or, if available to you, your external debit card information. Fees may apply (see below).

To transfer to a personal bank account

Register or log into the myWisely^® app or mywisely.com.
Select Move Money, then Transfer Money.
Enter your routing number and account number of the receiving bank to complete the transfer.

Note: It may take 3 business days to enroll and validate an account at another financial institution. Once an account is validated, it may take up to 3 business days to complete each transfer. Fees, terms and limits apply. Log into the myWisely^® app or mywisely.com to see your Cardholder Agreement and List of Fees, as well as your Limits Table for more information.

To transfer using your external debit card information (i.e. your 16-digit debit card number)

Register or log into the myWisely^® app or mywisely.com.
Select Move Money, then Transfer Money.
Enter your external debit card number to complete the transfer.

Note: Transfers using your external debit card information are currently available only to members who have a Funds transfer fee (Instant Transfer/Debit) in their Cardholder Agreement and List of Fees. Transfers using your external debit card information are typically processed within 30 minutes but could take longer due to network timing, receiving bank processes, or other factors.

Only one external debit card may be linked to your Wisely account. Transfers to your external debit card are final and not reversible. Fees, terms and limits apply. Log into the myWisely^® app or mywisely.com to see your Cardholder Agreement and List of Fees, as well as your Limits Table for more information.

Question 19

Can I use my Wisely card for recurring monthly payments?

Accepted Answer

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.

Question 20

Can I use my Wisely card outside of the U.S.?

Accepted Answer

Yes, you can use all Wisely cards outside of the U.S. where Debit Mastercard^® is accepted or everywhere Visa^® debit cards are accepted internationally. To use your Wisely Card for transactions outside the U.S., including U.S. territories, set a travel notice in the myWisely^® app.

Note: Your card is charged an ATM fee when you use an international ATM. The foreign exchange rate is calculated by the bank that offers the ATM. Please refer to the Cardholder Agreement and List of Fees for applicable usage fees.

Question 21

Can my card be used to make debit or credit transactions?

Accepted Answer

Your Wisely^® card can be used to make either a debit or credit transaction.

Debit transactions will require a personal identification number (PIN) and are best used when you want cash back from a merchant. These transactions do not incur a fee.

Credit transactions do not require a PIN and do not incur a fee.⁶

Question 22

Can my secondary member add any other funds to the card?

Accepted Answer

No. Only the primary member who requested the secondary card can transfer funds to the secondary card.

Question 23

Can you tell me more about additional fraud protection?

Accepted Answer

Your funds are protected from fraud if your card is lost or stolen. Transactions that qualify are protected by either the Visa^® or Mastercard^® Zero Liability Policy. The Zero Liability Policy provides protection from unauthorized purchases. Other restrictions may apply.

You may also have other protections under applicable law, such as Federal Regulation E, which implements the Electronic Funds Transfer Act. Please refer to the Cardholder Agreement and List of Fees you received when you enrolled for the Wisely^® card.

Transactions made outside of the cardholder’s residential state and adjoining states may be declined unless the cardholder sets a travel notice.

Question 24

Do bank holidays affect how I get paid?

Accepted Answer

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

Bank holidays on which payments are not received by Wisely

There are 11 national holidays on which payments are not received:

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
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.

Question 25

Do I earn rewards if I purchase a gift card at a store or restaurant with my Wisely card?

Accepted Answer

No. Rewards apply only to eGift cards purchased through the myWisely^® app or mywisely.com.

Question 26

Do pending credits from returns/refunds count in my available balance?

Accepted Answer

No, pending credits like refunds do not reflect in your available balance until they fully post and clear.

Question 27

Does my employer need to use ADP for payroll for me to get early direct deposit?

Accepted Answer

No. It’s not necessary for your employer to use ADP for payroll in order for you to get early direct deposit.

Question 28

How can I add funds to my Savings Envelope and start saving money?

Accepted Answer

Log into the myWisely^® app or mywisely.com.
Select Savings.
Then Select Add Money and type in the amount that you would like to save.

While funds moved to your envelope will no longer be in your available balance, you can always move them back.

Note: The Savings Envelope is not a savings account and does not earn interest.

Question 29

How can I add money to my debit card at a retail location?

Accepted Answer

First, make sure your card is activated. If you have a Wisely Pay or Wisely Cash card (check the back of your card), you will also need to upgrade your card, which you can do within the myWisely^® app.

Then you can add money to your debit card in the following two ways:

1. Green Dot^® Deposit Cash

Deposit cash on the go! Add cash ($20-$500) to your Wisely^® card at the register of 90,000+ retailers nationwide (including CVS, Dollar General, Rite-Aid, 7-Eleven, Walgreens, Walmart, and more). Just hand your cash to the cashier. They will swipe your card and the money will automatically load onto your card and be available within minutes. Up to a $4.95 reload fee plus deposit and card balance limits apply. The cashier will give you a receipt as proof of the reload.

2. Western Union

Visit any Western Union location in the U.S. to add cash to your card (third-party load fees may apply). Log into your cardholder account at mywisely.com for more information.

Note: To add money from other sources, you must first pass an additional verification process. If you have a Wisely Pay card or a Wisely Cash card (see back of your card), this feature will require an upgrade. Requesting an upgrade will automatically initiate an identity verification process utilizing your personal information already on file.

Question 30

How can I change my PIN number?

Accepted Answer

Log into the myWisely^® app.
Tap Menu in the upper left.
Tap Account Settings, then Card Settings to enter a new PIN.

Question 31

How can I confirm my bill payment was sent, either electronically or by check?

Accepted Answer

You will receive a confirmation email when your bill has been delivered to the payee that includes the payment method.

You can also view the status of your bill and the payment method on the bill details screen within the bill pay section of the myWisely^® app.

Question 32

How can I get cash using my card?

Accepted Answer

There are multiple ways you can access cash using your card. (Note: Limits may apply to the amount of cash you’re able to withdraw at merchants and ATMs.)

Cash back from participating merchants

A good way to get cash back with your card is at the places you already shop, like grocery and convenience stores. Simply:

Select Debit on the keypad.
Enter your 4-digit PIN.
Select Yes for cash back.
Enter the amount and hit OK.

Cash from ATMs

Get cash at millions of ATMs worldwide, including tens of thousands surcharge-free, in-network ATMs nationwide. Fees may apply if you use an out-of-network ATM. Please reference your Cardholder Agreement and List of Fees to determine which in-network ATMs are available to you. Use the myWisely^® app to find a location near you.

To get cash, simply:

Enter your 4-digit PIN (Personal Identification Number).
Select Withdrawal from Checking.

Cash from a participating location

Go to any participating location and let the teller know you want to do an over-the-counter transaction. Tell them the amount you would like to withdraw.

To get cash:

Know your balance beforehand by logging into your myWisely^® account. (The teller cannot tell how much money you have on your card.)
Ask the teller for the amount you would like to withdraw.
You’ll need your 4-digit PIN and may be asked for an additional form of identification.

Traveling out of state? Turn on your travel notice.

Question 33

How can I redeem my eGift card?

Accepted Answer

To redeem your eGift card

Open the myWisely^® app.
Tap Perks.
Then select Cash Back on eGift Cards and tap Wallet.

If you’re shopping in person, have the retail cashier scan the bar code. If shopping online, select eGift card as the payment method and type in the eGift card number.

Most eGift cards can be used at the merchant’s retail locations (as long as they have a way to scan the bar code) or online at the merchant’s website. Please refer to the specific terms and conditions found on each card product’s page prior to purchase.

Question 34

How can I set a travel notice and how long does it take?

Accepted Answer

A travel notice becomes effective immediately upon saving changes. It takes only seconds to set a travel notice and help protect yourself against fraud.

To set a travel notice

Log into the myWisely^® app or mywisely.com.
Select Account Settings > Card Settings > Travel Notices.

You may also call Wisely Customer Service.

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?

Question 35

How can I upgrade my card?

Accepted Answer

If your employer provided you with your Wisely prepaid debit card to receive direct deposit, you might be eligible for an upgrade.

You must be logged into your account on the myWisely^® app or mywisely.com to begin the upgrade process. Requesting an upgrade will automatically initiate an identity verification process utilizing your personal information already on file. Upgrade now.

Question 36

How can I use my tax refund once it&#8217;s added to my Wisely card?

Accepted Answer

You can use your tax refund in a variety of ways.

Use your card for everyday purchases

Once your refund is added to your Wisely card, you can use your card on the phone, online, or in any store where Debit Mastercard^® is accepted or everywhere Visa^® debit cards are accepted. You can also add your Wisely card to your mobile wallet so you can use contactless pay anywhere Apple Pay^®, Samsung Pay^® or Google Pay^™ is accepted.

Use your card for paying bills

Paying bills using the myWisely^® app lets you initiate a bill payment in seconds with your smartphone. You can pay an unlimited number of bills if you have money in your Wisely account to cover them. Find out more about paying bills with the myWisely app.

Use your card for recurring monthly payments (such as mobile phone)

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.

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.

Question 37

How can I use my Wisely card once it has been added to my digital wallet (Apple Pay, Samsung Pay, Google Pay)?

Accepted Answer

Use your mobile wallet at participating stores, online and on apps that accept Apple Pay^®, Samsung Pay^®, or Google Pay^™.

Open your digital wallet.
Select your Wisely^® card.
Authenticate with passcode, face ID, or fingerprint ID.
Complete your purchase.

You can also add your Wisely card to multiple mobile wallets on multiple mobile devices.

Question 38

How can I withdraw the reward from my Wisely Rewards Savings Envelope?

Accepted Answer

To withdraw rewards, you can transfer funds from your Wisely Rewards Savings Envelope to your primary card account:

Log into the myWisely^® app or mywisely.com.
Tap Savings at the bottom.
Click Withdraw and enter the amount that you would like to transfer to your primary card account.

Question 39

How do I activate my card?

Accepted Answer

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

Question 40

How do I add money to a secondary card?

Accepted Answer

Only the primary card member who requested the secondary card can transfer funds to the card.

To add funds to a secondary card

Log into the myWisely^® app or mywisely.com.
Select Move Money, then Transfer Money.
Follow the screen instructions to complete your request.

Note: To add money from other sources, you must first pass an additional verification process. If you have a Wisely Pay card or a Wisely Cash card (see back of your card), this feature will require an upgrade. Requesting an upgrade will automatically initiate an identity verification process utilizing your personal information already on file.

Question 41

How do I add my Wisely card to my digital wallet?

Accepted Answer

To add your card to your digital wallet:

Tap Add to Wallet from the myWisely^® app main screen to make purchases at available merchants. If you don’t see the option to Add to Wallet, you might need to click the ellipse (“…”) at the top right of your account balance to see the button.
Alternatively, you can also open your digital wallet app and select the option to add a new card. If you take this approach, you can scan your card with your smartphone’s camera or manually enter your card details. Follow the on-screen instructions to complete the process.

Question 42

How do I cancel a bill payment?

Accepted Answer

Bills can be canceled from the bill details page within the myWisely^® app.

If the bill payment has already been sent out for payment, please contact Wisely Customer Service to see if a stop payment request can be processed.

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?

Question 43

How do I cancel my card/close my Wisely account?

Accepted Answer

If you feel you must close your Wisely account, Wisely Customer Service can help. But first, determine whether you need to close your account:

Changing employers

Even if you change jobs, you can take your Wisely card and the same account information with you! Be sure to upgrade your card to receive this benefit and all the features available to you. There is no cost to upgrade your card. Requesting an upgrade will automatically initiate an identity verification process utilizing your personal information already on file.

Fraudulent transactions

Concerned about transactions you don’t recognize or didn’t authorize? Let the Wisely Customer Service team assist you with card cancellation and fraud support services.

Duplicate card issues

If you have received more than one Wisely card and you only need one, contact Wisely customer service for assistance.

Never received your Wisely card or something else

If you never received your Wisely card, the Wisely Customer Service team can help you with a replacement card and answer any questions or concerns you might have.

Closing your Wisely account for any reason

Contact our Customer Service team for assistance in canceling your card and closing your account.

Wisely Customer Service

Wisely Pay members: 1-866-313-6901

Wisely Direct members: 1-866-313-9029

Wisely Cash members: 1-877-431-5860

Question 44

How do I change my Peer Transfer ID?

Accepted Answer

Your Peer Transfer ID is the same as your mobile phone number. If you’ve recently changed your mobile number, you’ll need to update your phone number in your Wisely profile settings to continue using Peer Transfer.

Here’s how:

Go to Profile Settings.
Update your mobile number.
Go to Peer Transfer from the Move Money menu.
Follow the prompts to enroll using your new mobile number.
Start sending and receiving money!

Question 45

How do I change or update my personal information?

Accepted Answer

You can update your email, street address, and phone number directly from the myWisely^® app or mywisely.com.

To change your personal information

Go to Account Settings.
Tap Profile Info.
Make your changes.

Question 46

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

Accepted Answer

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.

Question 47

How do I direct deposit my tax refund to my Wisely card?

Accepted Answer

Before requesting your tax refund be added to your Wisely card, be sure your card is upgraded.

Find out more about adding your tax refund to your card.

Question 48

How do I dispute a transaction and how long does it take to resolve?

Accepted Answer

If you notice unauthorized charges on your account, please contact us as soon as possible. A member of the Wisely team can initiate the dispute process and take the appropriate steps to further protect your account.

Wisely Pay members: 1-866-313-6901

Wisely Direct members: 1-866-313-9029

Wisely Cash members: 1-877-431-5860

We will be able to review the account transaction history and provide assistance. Resolution timeframes will vary based on transaction type.

How do I know which card I have?

Question 49

How do I find my Wisely account and routing information?

Accepted Answer

You can find your Wisely account and routing number in the myWisely^® app or at mywisely.com.

Log into your account.
Go to Account Settings > Direct Deposit.

There you’ll see your account and routing numbers.

Question 50

How do I find the fees associated with my card?

Accepted Answer

Log into the myWisely^® app or mywisely.com and refer to the Cardholder Agreement and List of Fees for applicable usage fees.

Question 51

How do I get a new Wisely card?

Accepted Answer

If your card has been lost, stolen, or damaged, or you believe there is a fraudulent transaction on your card, it may be time for a new card.

To get a new Wisely card

Call Wisely Customer Service for assistance. When you place an order for a new card, your card balance will be moved from the old card to your new card. Your card balance will be transferred upon activation.

Wisely Pay members: 1-866-313-6901

Wisely Direct members: 1-866-313-9029

Wisely Cash members: 1-877-431-5860

Note: It may take up to 7 to 10 business days to receive a new card. During that time, you will not be able to use your old card or your new card, for online or in-person transactions.

To request a card for a secondary cardholder

You can use the myWisely^® app to request up to three cards for your spouse or other family members. You will need the new secondary member’s name, Social Security Number, and date of birth to request the card.

Question 52

How do I get a Wisely card with an EMV chip?

Accepted Answer

If your Wisely card does not have an EMV chip, you can request a replacement card be sent to you that will contain an EMV chip.

Question 53

How do I get early direct deposit?

Accepted Answer

Turn on early direct deposit by logging into the myWisely app or mywisely.com and go to your Account Settings > Direct Deposit.  Slide the button on to agree to the additional terms and to turn on early direct deposit.

First make sure that:

Your card is activated.
You have set up direct deposit.
You have downloaded the free myWisely app.

Question 54

How do I get started with early direct deposit?

Accepted Answer

To receive early direct deposit you must opt in to receive your pay up to 2 days early. Learn how to set up early direct deposit.

Question 55

How do I get started with Peer Transfer? Do I need to enroll?

Accepted Answer

Wisely members will need to opt into Peer Transfer in the myWisely^® app, or on mywisely.com. During this process, you’ll use your cell phone number to authenticate yourself via Multi-Factor Authentication (MFA). Your cell phone number will also function as your Peer Transfer ID.

Question 56

How do I know if a text message I am receiving is really from Wisely?

Accepted Answer

We will only send you a text message from our Wisely short code.

For messages related to unusual activity or for additional login verification

If you have a Wisely pay card

The text will come from the phone number 34085.

If you have a Wisely Direct card

The text will come from the phone number 71016.

How do I know which card I have?

For marketing-related messages that you opted into

The text will come from the phone number 84236.

If you receive a text message from any other phone number, please ignore it. This is not us!

Be sure to verify the phone number we have for you on your record is a valid mobile number that can receive text messages.

Question 57

How do I know if I have a Wisely Direct or Wisely Pay card?

Accepted Answer

Check on the back of your card for the small print on the lower half (as shown below) to see your card type.

Back of Wisely Pay card

Back of Wisely Direct card

Question 58

How do I know if I need to upgrade?

Accepted Answer

To see if your card needs an upgrade:

Log into the myWisely^® app or mywisely.com.
Locate Upgrade on the main page.

If you do not see an upgrade option, you may already have an upgraded card but haven’t opted in to unlock additional features.

Log into the myWisely^® app or mywisely.com.
Opt in to the features you’d like to use.

If you think you have a card that needs an upgrade, upgrade it now.

Note: Upgrades may not be available for all members.

Question 59

How do I know if my card is upgraded and I&#8217;m eligible for Peer Transfer?

Accepted Answer

If your card is not upgraded, you will see the upgrade button on the home page of the myWisely^® app.

Question 60

How do I load check funds with my mobile device?

Accepted Answer

Load a check with Ingo^® Money by snapping a photo and following the prompts in our myWisely^® app. Approval times vary depending on the type of check and approval from Ingo^® Money.

There is an Ingo check cashing limit. For more information, log in to the myWisely^® app or mywisely.com to see your Policy Documents and Limits Table.

This feature may require an upgrade. Requesting an upgrade will automatically initiate an identity verification process utilizing your personal information already on file.

You must be 18 or older to use Ingo Money.

Question 61

How do I make purchases with my card?

Accepted Answer

Use your Wisely^® card on the phone, online, or in any store where Debit Mastercard^® or Visa^® debit cards are accepted. You can also add your Wisely card to your mobile wallet. You can use contactless pay anywhere Apple Pay^®, Samsung Pay^® or Google Pay^™ is accepted.

Traveling out of state? Turn on your travel notice.

Question 62

How do I pay bills using the myWisely app?

Accepted Answer

Paying bills using the myWisely^® app lets you initiate a bill payment in seconds with your smartphone.

To pay a bill

Log into the myWisely^® app.
Tap Move Money.
Select Pay a Bill.
Then just snap a photo of the bill, import an image of a paperless bill, and confirm the accuracy of the information imported, or search and add a new biller.

The myWisely^® bill pay feature provides a quick, convenient and secure way to pay bills. The payments you make are deducted from your Wisely balance.

Note: There is no minimum amount for a bill payment. Currently, there is a maximum amount of $10,000 per bill.

Question 63

How do I purchase an eGift card on the myWisely app or mywisely.com?

Accepted Answer

To purchase an eGift card

Log into the myWisely^® app or mywisely.com.
Tap Perks.
Select Cash Back on eGift Cards.
Then choose an eGift card from a participating retailer and complete your purchase directly through the app.

Please refer to the specific terms and conditions found on each card product’s page prior to purchase.

After you complete your purchase, your eGift card will be immediately available in your Wisely^® digital wallet and you will receive an email confirmation. You can access it via the myWisely^® app or mywisely.com.

Your rewards will be sent to the primary account and then automatically transferred to your Wisely Rewards Savings Envelope. eGift card rewards will typically appear within minutes.

Remember, you can spend only what is on your Wisely card. To purchase an eGift card, you must have enough available funds in your account to cover the full cost of the eGift card.

Question 64

How do I reach Wisely Customer Service?

Accepted Answer

If you need to speak with Wisely Customer Service or contact us with questions, concerns or issues, give us a call. We’re available 24/7.

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?

FAQ