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Wisely Pay Help

How can I use my Wisely Pay card?

To activate your card, go to: activatewisely.com

You will need to choose a PIN (Personal Identification Number) and set up your direct deposit when you activate your card. For customer service, please call 1-866-313-6901.

Your employer should fund your card with your pay on payday. Once you activate and fund your card, you can use the card to purchase goods and services everywhere VISA® or Mastercard® debit cards are accepted and withdraw cash at all participating ATMs. You can view your balance for free on the myWisely mobile app or at myWisely.com.

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Wisely Pay Help

How can I activate my Wisely Pay card?

You will need to choose a PIN (Personal Identification Number) and set up your direct deposit when you activate your card. For customer service, please call 1-866-313-9029.

Once you activate and fund your card, you can use the card to purchase goods and services everywhere Mastercard® debit cards are accepted and withdraw cash at all participating ATMs. You can view your balance on the free myWisely mobile app, or at myWisely.com.

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Wisely Pay Help

Using my Wisely Pay Card to Pay Bills

Can I use my card to pay bills?8
Yes, you can use your card to pay billers who accept VISA or Mastercard debit cards directly, without a fee from the card issuer. Contact your biller for their direct bill payment options as third party fees may apply.

How do I use the bill pay feature on myWisely®?
You may be able to use the services of a third-party bill pay provider by logging into your account. In the free myWisely mobile app or at mywisely.com you may see an arrow in the top right corner and select “pay a bill”. If there, you will be redirected to a third-party website where you can sign up for a free account and add your Wisely card to pay bills online.

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Wisely Pay Help

Adding my Wisely Pay Card to Apple Pay, Samsung Pay or Google Pay

Can I add my Wisely® Card to Apple Pay®/ Samsung Pay®/ Google Pay™?
Wisely® cards can be added to mobile wallets for use at participating stores, online and on apps that accept Apple Pay®, Samsung Pay®, and Google Pay™.

How do I add my Wisely® Card to Apple Pay®/ Samsung Pay®/ Google Pay™?

Learn more about adding your card to ApplePay®
Learn more about adding your card to Samsung Pay®
Learn more about adding your card to Google Pay™

You must go through an authentication process after requesting that your card be added to your mobile wallet. Please call 866-360-3742 to enable your card after adding it to your mobile wallet. It may take up to 3 business days to be fully enabled, you cannot use this feature until it is fully enabled.

How can I use my Wisely® Card once it has been added to Apple Pay®/ Samsung Pay®/ Google Pay™?

It’s easy to use your mobile wallet at any retailer that accepts mobile payments. Just open your digital wallet, select your Wisely® card, authenticate with passcode, face ID, or fingerprint ID, and hold the top of your mobile device within a few centimeters of the contactless reader until you see Done.

Can I use multiple devices for Apple Pay®/ Samsung Pay®/ Google Pay™ with my Wisely® Card?
Yes, you can add your Wisely® card to multiple mobile wallets on multiple mobile devices.

If I have a secondary card for my spouse, can they also enroll in Apple Pay®/ Samsung Pay®/ Google Pay™?
Yes, they can add their Wisely® card to their mobile wallet.

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Wisely Pay Help

Wisely Pay Savings Envelope

How can I add funds to my Savings Envelope and start saving money?
It’s easy! Register or log into the myWisely® mobile app7 or at mywisely.com. Tap or click “Future,” tap or click “add money” and type in the amount that you would like to save. Funds moved to your envelope will no longer be in your available balance, but you can always move them back! myWisely® will even discover opportunities for you to rollover extra cash into your savings envelope.12

As a secondary cardholder, can I set up my Savings Envelope?
No, only primary cardholders are eligible to use the Savings Envelope in the myWisely® app. If you have a secondary card, you will not be able to access this feature.

Is there a fee to set up my Savings Envelope?
No, there is no fee to start saving with your Savings Envelope in the myWisely® app

Is there a limit to how much can be added to my Savings Envelope?
No, there is no limit as your Savings Envelope is limited to the total limit of your Wisely® account. See your cardholder agreement for more details on your account limit.

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Wisely Pay Help

Wisely Pay Disclosures

1Please allow up to 3 weeks for your pay to be loaded to the card after initial setup of direct deposit to your card.

2Fees do apply when you are declined at an ATM.

3Because this card is prepaid, you can only spend what is on the card and thus are unable to overdraft.

4Please review your cardholder agreement to learn how this applies to you.

5The number of fee-free ATM transactions may be limited.  Please see your cardholder agreement fee schedule for more information.

6Wisely®️ Pay is a general purpose reloadable card. It is not a credit card and does not build credit.

7 Standard text message fees and data rates may apply.

8Additional terms and third-party fees may apply.

9You 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 permission. See cardholder agreement for details.

11You may load $20-$500 in cash for a flat rate of $4.95 to 5.95 (subject to card and balance limits), in addition to the amount you wish to load onto your Wisely®️ card. You should confirm your access to this feature before attempting to load cash to your card.

12Amounts transferred to your savings envelope will no longer appear in your available balance.

13You must first pass an additional verification process.

The Wisely®️ Pay MasterCard and Visa cards are issued by Fifth Third Bank, N.A., Member FDIC, pursuant to a license from Mastercard International or Visa U.S.A. Inc. The Wisely®️ Pay prepaid card can be used everywhere Debit VISA or Mastercard is accepted.

Masterpass and Mastercard are registered trademarks, and the circles design is a trademark of Mastercard International Incorporated. Apple, the Apple logo, and Apple Pay are registered trademarks of Apple Inc. App Store is a service mark of Apple Inc., registered in the U.S. and other countries.  Google Pay, Google Play and the Google Play logo are trademarks of Google LLC.  Samsung Pay is a registered trademark of Samsung Electronics Co., Ltd.

Western Union is a registered trademark of Western Union Holdings, Inc.  Ingo is a registered trademark of Ingo Money Inc. MoneyPak is provided by Green Dot Corporation. Green Dot and MoneyPak are registered trademarks of Green Dot Corporation. Reload @ the Register is a trademark of Green Dot Corporation. Venmo is a registered trademark of PayPal, Inc. MoneyPass is a registered trademark of Genpass, Inc. Allpoint is a registered trademark of ATM National, LLC. Plastiq is a registered trademark of Plastiq, Inc.

Wisely®️, Wisely®️ Pay, ADP and the ADP logo are registered trademarks of ADP, LLC. ADP is a registered ISO of Fifth Third Bank, N.A. Copyright © 2019 ADP, LLC. All rights reserved.

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Wisely Pay Help

Wisely Pay Travel Notices FAQs

To help protect you against fraud, we’ve added travel notices for enhanced security. Your Wisely®️ card will work in your home state and any bordering state upon activation. However, if you travel beyond your area, log into your myWisely®️ app7 or mywisely.com, open card settings, and add a travel notice in order to avoid declines on your card.

Additional verification is required to use this feature internationally.

What is a travel notice?
A travel notice allows you to use your Wisely®️ Pay card while traveling outside of your home state and bordering state(s).

How can I set a travel notice?
Log into the myWisely®️ app7 or mywisely.com. Select account settings / card settings/ travel notices. You may also call cardholder services at 1-866-313-6901.

What happens if I forget to set a travel notice?
Your card may be declined if you travel outside of your home state and bordering state(s).

How long will it take me to set a travel notice?
It takes only seconds to select a travel notice and help protect yourself against fraud.

What should I do if my card is declined when traveling?
Log into the myWisely®️ app7 or mywisely.com to set up a travel notice. You may also call cardholder services at 1-866-313-6901.

How long does it take for a travel notice to take effect?
A travel notice becomes effective immediately upon saving changes.

How do travel notices help protect me from fraud?
It reduces the opportunity for out of state and international fraud, providing you more protection.

Is a fee charged if my card is declined?
There is not a fee if your card is declined when attempting a purchase.2

What do I do if I misplace or lose my card while traveling?
You can instantly lock your card on the myWisely®️ app so it cannot be used. If you find your card, you can instantly unlock it and resume using it. If you cannot find your card, please contact cardholder services at 1-866-313-6901 and order a replacement card.

Why would I want to lock or unlock my card?
Your card cannot be used while it is locked, adding an additional level of security. You can lock or unlock your card by logging into the myWisely®️ app or visiting mywisely.com.

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Wisely Pay Help

Wisely Pay Disputes

What do I do if I have a question or think there is an error with a transaction on my card?
If you have a question about your account, contact Wisely®️ Member Services at 1-866-313-6901. They will be able to provide assistance.

How do I dispute a transaction?
If you notice unauthorized charges on your account, contact Wisely®️ Member Services at 1-866-313-6901. They will be able to review the account transaction history and provide assistance.

How long does a transaction dispute take to resolve?
An average transaction dispute will be resolved within days. (Please refer to your card agreement)

Will Wisely®️ freeze my funds while a dispute is being resolved?
Wisely®️ does not freeze funds while investigating disputes. If you recognize unauthorized activity on your account, we recommend you have a new card issued. When a new card is requested, the current card will become invalid, and it may take up to 10 business days to receive a new card. Expedited card delivery is available for an additional fee.

We know that customers having access to their money is extremely important and we strive to resolve customer issues quickly. Customers should include all relevant details when submitting a claim to help speed up the process.

How do I reach the Wisely®️ support team?
If you need to speak with Wisely®️ Member Services or contact us with questions, concerns, or issues, you can reach us at 1-866-313-6901.

We’re open 24/7:

Log into your account at mywisely.com or in the free myWisely®️ app.7

NOTE: The myWisely®️ mobile app is only available on devices using the following versions:

  • iPhone (iOS 10.0 or later)
  • Android (5.0 and up) devices
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Wisely Pay Help

Wisely Pay Fees

Are there fees for using my card?
There are no overdraft fees because we will not allow you to overdraw your card.3 There are no minimum balance fees. There are no monthly fees or annual fees. There are, however, inactivity fees of $4.00 assessed on a monthly basis after 90 days of inactivity. Keep in mind there are also charges for using certain features on your Wisely®️ Pay card. Please log into your Wisely®️ account and refer to the Wisely®️ Pay list of all fees for applicable usage fees.

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Wisely Pay Help

Wisely Pay Card Help

What if my card is lost, stolen, or used without my permission?
Don’t worry! Your card balance is FDIC insured and you are not liable for unauthorized purchases.9 If your card is lost or stolen, be sure to lock your card using the myWisely®️ app.7 You can instantly lock your card so it cannot be used. Log into the myWisely®️ app and go to account settings, then open card settings to use this feature. If you find your card, you can instantly unlock it and resume using it. But report a lost, stolen, or damaged card to our call center immediately by calling 1-866-313-6901. We will cancel your card and transfer the funds to a new card that will be sent to you.

How much does it cost to replace a lost, stolen or damaged card?
We understand your card can be lost, stolen or damaged and that’s why we will grant one (1) free card replacement for a lost/stolen primary or secondary card per calendar year. Each additional card replacement for a lost/stolen primary or secondary card per calendar year will incur a fee.

What happens if my card is expiring or expired?
No worries. Your new card will come in the mail! We’ll send an updated card your way as the expiration date on your card gets closer. If you don’t receive the new card before your current one expires, please contact us at 1-866-313-6901.

How can I change my PIN number?
If you would like to change your pin, you can log into the myWisely®️ app7 and tap card settings to enter a new PIN.

How do I change or update my personal information?
You can update your email, street address, and phone number directly from the myWisely®️ app7 or mywisely.com.

To change your personal information on the myWisely®️ mobile app7 or mywisely.com:

  • Go to Account Settings.
  • Tap the Profile Info button.
  • Make your changes

What if I forgot my User ID or Password?
You may request your username and password here or on the myWisely®️ app.

What if I forgot my PIN?
If you forget your PIN or would like to change it, you can do so by calling Cardholder Services, using the phone number on the back of your card.

Can you tell me more about additional fraud protection?
Transactions that qualify are protected by either the VISA or Mastercard Zero Liability Policy.9

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 you received when you enrolled for the Wisely®️ Pay card. You can view the Cardholder Agreement on the myWisely®️ app7 or at mywisely.com. With Wisely®️ Pay, cardholders have additional fraud protection. Transactions made outside of the cardholder’s residential state and adjoining states may be declined unless the cardholder calls cardholder services and requests to temporarily allow transactions in the additional area(s).