How it works
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Go Mobile2
Download the free myWisely® app to check your balance and manage your money whenever you want, wherever you go
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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. Call 866-313-6901.1 To learn how to get paid up to 2 days early, click here.
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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
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
Pohill44
"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
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
"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."
Get your no-fee upgrade1
- Get paid up to 2 days early11 with direct deposit at no cost to you
- Receive a personalized card with your name on it
- Get added card security and fraud protection with an EMV chip
- Deposit income from second jobs and government benefits
- Add cash or load checks3
Wisely®️ Pay Benefits
- Get direct
deposit - Shop &
pay bills - Get
cash - Grow your
savings - Manage your
money - Protect
your account
Get direct deposit
At no cost to you
Upgrade your card at no-fee and opt in to get paid up to 2 days early with direct deposit at no extra charge.1, 11 You can also load funds from other sources of income including government benefits – at no cost to you.
Shop & pay bills
Online, in store, in-app, or by phone
Everywhere Visa® or Mastercard® are accepted. Add to your mobile wallet and pay with a single touch. Compatible with Apple Pay, Google Pay and Samsung Pay.3
Get cash
Surcharge-free4 ATM withdrawals
Get cash back on purchases at major retailers and enjoy surcharge-free ATMs4 at over 80,000 locations nationwide.
Grow your savings
Build a rainy day fund5
With the app, it’s easy to save money at your own pace and on your own terms.5
Manage your money
Anytime, anywhere with the myWisely® app2
Keep track of your account balance 24/7, and categorize your spending so you can see where your money is going.
Protect your account
Enjoy peace of mind
Know your balance is protected from fraud if the card is lost or stolen and is FDIC insured along with other security features, including instant card lock, purchase protection and travel alert notifications7,10
Simple ways to add money
An easier way to manage your money, all in one place. A no-fee upgrade is required.11
- Direct deposit
- At a retailer
- Tax and government funds
- Pay friends and family
Direct deposit
Have a second job? Add your paychecks from a second job directly to your card by setting up direct deposit.6 Download the myWisely app or login to your Wisely account to retrieve your account and routing number to provide to your HR representative. To learn how to get paid up to 2 days early,11 click here.
At a retailer
Visit your favorite retailer to add cash using Reload @ the Register™3. Retailers include 7-Eleven, CVS, Walgreens, Walmart and more. Or head to any Western Union® location to add cash.
Tax and government funds
Why wait for a paper check from the government or stand in line to cash your check? Get your tax refund, social security benefits, pension payments, unemployment or disability on your Wisely® card instead of getting a check in the mail. It’s easy – just enter your account and routing numbers on your government forms, and you’re done.
Pay friends and family
Send and receive money fast with your favorite personal finance apps, like Venmo® and Masterpass®.1,3 Select your app’s ‘add bank’ option and enter your Wisely® account and routing numbers to use them surcharge-free.3
No Hidden Fees2
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.
