How it works



Activate your card at or the myWisely® app2


Go Mobile2

Download the free myWisely® app2 to check your balance and manage your money whenever you want, wherever you go

Apple Store Google Play


Upgrade your card1

Upgraded cardholders get access to premium features, including getting your pay up to 2 days early11 with direct deposit at no cost. Add funds from second jobs, load cash at retailers, use your mobile wallet, and more. All at no cost to you. Click to upgrade NOW!1 To learn how to get paid up to 2 days early, click here.


Add more money

Load up your card. Get government benefits and tax refunds on your card, add cash at participating retailers, or deposit checks with your mobile device. A no-fee upgrade is required.1

Manage your account on the go

Wisely Pay - Phone - ManageWisely Pay - Phone - TrackWisely Pay - Phone - Save

Opt-in to get paid up to 2 days early11 with direct deposit at no cost (a no-fee upgrade is required1). Plus, check your balance 24/7, get account alerts and more.3 Now you're living Wisely

"Love the new app! I can see all my transactions, set up savings envelope for rainy day, ink out and pay bills. Experience in setting up the card was incredibly quick and easy. Highly recommend."

View transaction history in real-time, and categorize your spending so you can see where your money is going.2 Live Wisely

Gage 927
"The app is great. It's sleek and I find it intuitive to use. My paycheck hits my card and I don't have to think about it, since it alerts me in real-time. I like the automatic categorization of my spending."

Save at your own pace and on your own terms for unexpected expenses.5 Now you're living Wisely

"Been using Wisely® since the initial launch; it's easy to use and is very helpful with saving some extra cash with its 'Savings Envelope' feature."
App Store Badge
Google Play Badge

Get your no-fee upgrade1

  1. Get paid up to 2 days early11 with direct deposit at no cost to you
  2. Receive a personalized card with your name on it
  3. Get added card security and fraud protection with an EMV chip
  4. Deposit income from second jobs and government benefits
  5. Add cash or load checks3
  6. Keep your card even if you change jobs

No Hidden Fees3

No one likes to be surprised with hidden fees. That’s why we strive to be clear and transparent about any fees associated with your account.
You’ll never receive an overdraft fee9 or a minimum balance fee from us. However, some services do carry a fee, and we want you to know about them.