Get paid up to 2 days early1 with direct deposit at no cost.

Get paid up to 2 days early1 with direct deposit at no cost.

Get paid up to 2 days
early1 with direct
deposit at no cost.

Don’t put life on hold until payday. Worry less about late fees and unexpected expenses.

Don’t put life on hold until payday. Worry less about late fees and unexpected expenses.

Don’t put life on hold until payday. Worry less about late fees and unexpected expenses.

Wisely Pay Card Makeover
Wisely Pay Card Makeover
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Why get early direct deposit?

Let’s face it. Sometimes life – and surprise expenses – don’t always coincide perfectly with payday. You could manage emergencies by opting in to get your pay up to 2 days early!

REDUCE STRESS

Get peace of mind with extra time to manage your expenses.

PAY BILLS EARLY

Get a head start on paying your monthly bills before they’re due.

AVOID LATE FEES

Say goodbye to the headaches of late payments and fees.

How do I sign up for early direct deposit?

  • Set up direct deposit: if you haven’t already set up direct deposit, make sure to do so by providing your employer with your account and routing number
  • Download myWisely app2 or log into your Wisely account at myWisely.com/direct to get started
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  • Opt-In: go to Account Settings, select Direct Deposit, and slide the button to enable early direct deposit
  • Set up Alerts2: go to Account Settings, select Alert Setting, and edit your setting so you’ll get notified the instant your pay arrives

Frequently asked questions

  • How it works
  • Getting started
  • Additional details

What is early direct deposit1?

Early direct deposit allows Wisely® cardholders to access funds directly deposited up to 2 days earlier than the posted pay date and up to 4 days earlier for government benefits

How does early direct deposit work?

Once you elect to receive your pay on your Wisely Direct card2 and opt-in to receive Early Direct Deposit:

  1. Your employer submits payroll to their bank
  2. Wisely receives employer’s payment instructions
  3. Wisely deposits funds after processing
  4. In most cases, you will receive pay up to 2 days early, but it may be less depending on when we receive the payment instructions

Is there a fee to get early direct deposit?

No, there is no cost to get early direct deposit.

If I already have direct deposit set-up, do I need to opt in to get paid early?

Yes, you need to opt in to early direct deposit, even if you already have direct deposit set up for your pay. It’s simple and easy. Log in here or download the myWisely® app and go to your account settings > direct deposit. Slide the early direct deposit button on to agree to the disclosures and to enable early direct deposit.

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

No

How do I set up direct deposit so that I could get paid up to 2 days early?

First make sure that:

  • Your card is activated
  • Your employer or payroll department offers direct deposit
  • Download the myWisely® app2 or visit myWisely to register your card

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If you have access to your ADP employee portal, then follow steps below to set up direct deposit and enable early direct deposit:

  1. Log in to your ADP employee portal.
  2. Navigate to the payment options/direct deposit setup section.
  3. Follow instructions to set up direct deposit to your Wisely® Direct card.
  4. Log into your Wisely account at mywisely.com/direct or download the myWisely app2 and go to your account settings > direct deposit > slide the button on to agree to the disclosures and to enable early direct deposit.

If you do not have access to ADP employer portal, follow steps below to set up direct deposit and enable early direct deposit:

  1. Log into your Wisely account at mywisely.com/direct or download the myWisely app2 to retrieve your account and bank routing numbers.
  2. Provide to your HR payroll representative.
  3. Log into your Wisely account at mywisely.com/direct or the myWisely app2 and go to your account settings > direct deposit > slide the button on to agree to the disclosures and to enable early direct deposit.

Is early direct deposit guaranteed?

No, early direct deposit of your funds is not guaranteed. The timing of early direct deposit depends on when your employer or payer submits the direct deposit information for processing. Funds are made available after receipt of payment instructions versus posting funds at settlement.

How long does it take for early direct deposit to take effect?

Once you opt in to receive early direct deposit, it may take up to two pay cycles after you enroll for early direct deposit to take effect.

Can I set up an alert to get notified when my pay is posted to my account?

Yes, it’s easy. Log into your Wisely account at mywisely.com/direct or the myWisely® app2. Select account settings > alert setting to set up alerts for value loads. You can check your balance, view transaction history, see spending trends, and much more. You can access your card account online or from your phone, anytime, anywhere, with myWisely2.

What should I do if I no longer want early direct deposit?

You can opt-out at any time by logging into your Wisely account at mywisely.com/direct or the myWisely app2, go to your account setting > direct deposit > slide the early direct deposit button off to disable early direct deposit. Note that it could take up to two pay cycles before your election to opt-out is effective.