Categories
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).

Categories
Wisely Pay Help

Receiving & Sending Money with Wisely Pay

Can I send money to family and friends?
Absolutely. You can link your card to all your favorite peer to peer apps like Venmo® and Masterpass® .4,13

Got a friend that is in a bind? You can also visit a retailer near you and use MoneyPak® to send money to friends and family. Just follow these steps:

  • Grab a MoneyPak from the prepaid card rack at the register.
  • 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.
  • Ask your friend to sign up at moneypak.com and follow the step by step instructions to add money to his or her eligible card. Participating retailers include 7-11, CVS, Dollar General, Rite-Aid, Walgreens, Walmart, and many more. You can send anywhere from $20 to $500.11 To learn more and find a location near you, visit moneypak.com.

Can I take this card with me if I change jobs?
Absolutely! You can use the Wisely®️ Pay card to direct deposit money from multiple sources including second jobs regardless of your employer.13

Categories
Wisely Pay Help

Using My Wisely Pay Card

How do I make purchases with my card?
You can use your Wisely®️ Pay card on the phone, online, or in any store that accepts Debit Mastercard® or VISA®. You can also add your Wisely®️ Pay card to your mobile wallet. Pay with a single touch anywhere Apple Pay®, Samsung Pay® or Google Pay™ is accepted.

Is there a fee to make internet purchases with my card?
There is no fee to make Internet purchases with your Wisely®️ card.

How can I get cash using my card?

You’ve got a few options.

  • ATMs. You can get cash at millions of ATMs worldwide. There are also 40,000 surcharge free ATMs nationwide where you can get cash with your Wisely®️ Pay card. Click here or log into myWisely®️ to find in-network, surcharge-free ATMs in your area.5
  • Banks. You can go to any participating bank and withdraw all of your money to the penny. Inform the teller you wish to do an over-the-counter transaction, and tell them the amount you would like to withdraw. You may be asked to show your ID. Find participating banks here.

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

How can I start saving money?
It’s easy! Register or log into the myWisely®️ mobile app7 or at myWisely.com. Tap or click

“Future,” and start saving today. myWisely®️ will even discover opportunities for you to rollover extra cash into your savings envelope.12

How do I use my card to pay for recurring monthly payments (such as mobile phone)?
Contact your biller/retailer for their direct bill payment options to see if they accept card payments.4 If they do, enter in your card information into the recurring billing payments form.

Can I request a card for a spouse or family member?
Of course! Primary cardholders will be able to transfer funds to and from secondary cardholders. You and all secondary cardholders may be required to pass an additional validation process. Each person has full and immediate access to the funds on their individual card. But please note that secondary cards cannot be used internationally. To order another card,¹ log into your account at myWisely.com or the myWisely®️ mobile app.7 Click or tap the menu button in the upper right corner and scroll to the button at the bottom of this menu to order another card. Follow the screen instructions from there.

How do I check my balance and view transaction history without a fee?
myWisely.com or the myWisely®️ mobile app7 allows you to check your balance, view transaction history, find nearby ATMs, see spending trends, and much more. You can access your card account online or from your phone, anytime, anywhere, with myWisely®️. You can also set up email and text alerts, including low balance notifications at whatever amount you decide.7

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™.

What are pending transactions?
This is the amount of money that has been set aside for purchases made with your card, but has not yet been collected by the merchant.

What is a pre-authorization hold?
Certain purchases (hotels, restaurants, car rentals, gas stations, etc.) require pre-authorization and may temporarily hold money from your card balance that would be greater than the actual purchase amount once the purchase is processed. The money will be released, and your balance will be adjusted. Availability of the pre-authorized money could take up several days to be released into your card balance.

  • Gas Stations. When using your card at gas stations, it is best to prepay for the exact amount at the cashier. If you pay at the pump, a hold of up to $100 or more may be placed on your card. This hold may last up to 5 days. (Hold times may vary depending on the merchant.)
  • Restaurants. Restaurants may automatically add up to 25% or more to your bill to cover a tip. If you do not have a sufficient balance on your card to cover the amount, the transaction will be declined.
  • Hotels. Hotels may place a hold on your account for your room reservation. It is typically released upon checkout but may last up to a couple of weeks.

Why does the pre-authorization hold times differ?
Some merchants may require different authorization hold times. The above information is a reference and not a guarantee of hold length.

Can I use my card to pay bills?8
You can pay merchants who accept VISA or Mastercard debit cards directly with your card without a fee. Contact your billers/retailers for their direct bill payment options as third party fees may apply.

You will also be able to use the services of a third-party bill pay provider by logging into your account on the free myWisely®️7 mobile app or at myWisely.com. Click on link to the third party’s website once logged in. Please refer to the separate terms & conditions and fees pertinent to the bill payment service provider.

What transactions are not allowed on the card?
You cannot use the Wisely®️ card for unlawful Internet gambling or any illegal transaction.

Does Wisely®️ offer EMV chip cards?
We have released EMV (chip) cards for our upgraded cardholders! To upgrade call 1-866-313-6901.13

Can I use my Wisely®️ card outside of the U.S?
To use your Wisely®️ Card for transactions outside the U.S., including U.S. territories, you are first required to upgrade your card by passing additional validation. To upgrade, call 1-866-313-69011.13 Your card is charged an ATM fee when you use an international ATM. Please refer to the Wisely®️ Pay List of All Fees for applicable usage fees.

Categories
Wisely Pay Help

Adding Money to Wisely Pay

How do I add cash to my card?

You have a couple of options.13

  • Reload @ the Register. You can add cash ($20-$500) on your Wisely®️ card at almost every major retailer near you using Reload @the Register™ for a flat fee of $5.95 (subject to card and balance limits), in addition to the amount you wish to load onto your Wisely®️ card.11, 13 CVS, Dollar General, Rite-Aid, 7-Eleven, Walgreens, Walmart, and many more. Over 70,000 locations nationwide! Just hand your cash to the cashier. They will swipe your card and the money will automatically load onto your card.
  • Western Union. You can visit any Western Union location in the U.S. to add cash to your card (third-party load fees may apply).8 Log into your cardholder account at myWisely.com for more information on how to add cash or visit https://wiselypay.adp.com/my-card/.
  • Additional Retail Locations. You may load $20-$500 in cash on your Wisely®️ card at over 70,000 retail locations nationwide using MoneyPak® for a flat rate of $5.95 (subject to card and balance limits), in addition to the amount you wish to load onto your Wisely®️ card. Retailers include CVS, Dollar General, Rite-Aid, 7-Eleven, Walgreens, and Walmart. You should confirm your access to this feature before attempting to load cash to your card.11 Learn more about how to reload your card with cash at moneypak.com.

Can I transfer funds to my bank account or another card?
Yes! You must first upgrade your card at no cost. Call 1-866-313-6901 to upgrade.13

  • Register or log into the free myWisely®️ mobile app7 or myWisely.com.
  • Tap or click the transfer arrows in the upper right corner.
  • Enter your routing number and account number of the receiving bank or card to complete the transfer.

Please note: it may take 3 business days to enroll and validate an account at another financial institution. And once an account is validated, it may take up to 3 business days to complete each transfer.

How do I find my Wisely®️ account and routing information?
You can get the routing and account number for your Wisely®️ Pay card by downloading the myWisely®️ mobile app7 or logging into myWisely.com. Go to your account settings, then tap or click “Account Numbers.”

How do I deposit a check with my mobile device?
You can deposit a check with Ingo® Money8 by snapping a photo and following the prompts in our myWisely®️ mobile app7. Approval times vary depending on the type of check and approval from Ingo® Money8.

What are the card load limits?
The maximum load limits to your Wisely®️ card via Western Union, Ingo®, Reload @ the Register™ or MoneyPak® are currently as follows:

Reload Through Western Union $1,500/day
$5,000/mo.
Reload Through Reload @ the Register™ or MoneyPak® $1,500/day or 4 loads
$3,500/week or 7 loads
$5,000/month or 20 loads
Ingo Per Check Deposit Limit $1,500.00
Ingo Monthly Check Deposit Limit $5,000.00

ADP may increase or decrease these limits from time to time at its discretion and without notice to you.

Can I add money from other sources?13
Yes. If you pass a validation process, the primary cardholder can direct deposit income from second jobs, your tax refund or other government benefits onto your Wisely®️ Pay card.2 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 free myWisely®️ mobile app7 or at myWisely.com and visit your account settings, then tap or click “Account Numbers.”

Categories
Wisely Pay Help

Getting Started with Wisely Pay

How do I activate my card?
To activate your card, visit https://www.activatewisely.com or call 1-866-313-6901. You will need to choose a PIN (Personal Identification Number) when you activate your card.

Where can I get the myWisely®️ app?
Right here. Access your card account anywhere, anytime. You can check your balance, view transaction history, find nearby ATMs, see spending trends and set aside savings.

pastedGraphic.png

What are the benefits of upgrading my card?
Upgraded cardholders get access to premium features that allow you to add funds to your cards from a variety of places: second jobs, Western Unions, and government benefits. All for no fee.13

How can I upgrade my card?
Call us at 1-866-313-6901.

Categories
Wisely Pay Help

How do I request additional cards for spouse or family member?

Log into your account at myWisely.com or call Cardholder Services to obtain up to three additional cards. Primary cardholders will be able to transfer funds to and from secondary cardholders. Each person has full and immediate access to the funds on their individual card and the secondary cards cannot be used internationally.

Categories
Wisely Pay Help

How can I add money to my Wisely Pay card?

You can load money from multiple employers and sources, such as your annual tax refund, government benefits and child support payments to the primary cardholder’s prepaid account. Simply provide your Wisely®️ card’s routing and account numbers to the entity initiating the payment to your Wisely®️ Direct by ADP Card. You may view your routing and account numbers through the cardholder website by logging into your account on the free myWisely®️ mobile app or at myWisely.com.

Categories
Wisely Pay Help

How to access my Wisely Pay card account?

Go to myWisely.com and log in. If you do not currently have a myWisely®️ account, you may register at any time by creating a username and password. On future visits, only your username and password will be required.

Categories
Wisely Pay Help

What are the fees for my Wisely Pay card?

There is a charge for using certain features on your Wisely®️ card. Please refer to your Wisely®️ card Fee Schedule for applicable usage fees. You can view your Wisely®️ card Fee Schedule at any time on the FREE myWisely®️ mobile app, or at myWisely.com.

Categories
Wisely Pay Help

How can I report lost or stolen cards?

Report a lost, stolen, or damaged card to our call center immediately by calling 1-866-313-9029. We will cancel your card and transfer the funds to a new card that will be sent to you.