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HOW CAN WE HELP YOU?

Enter a question or search term here, or find help questions below sorted by
topic.

Search
Add Money Direct Deposit Fees Get Started Make Purchases & Pay Bills Manage Your
Account Rewards Security & Fraud Protection Tax Refunds
Show FAQs for:
Both
Wisely Pay
Wisely Direct


ADD MONEY

How do I add cash to my card?

You can choose from 2 ways:17

 1. Green Dot® Deposit Cash11: Deposit cash on the go! Add cash ($20-$500) to
    your Wisely® card at the register of 90,000+ retailers nationwide (including
    CVS, Dollar General, Rite-Aid, 7-Eleven, Walgreens, Walmart, and more). Just
    hand your cash to the cashier. They will swipe your card and the money will
    automatically load onto your card and be available within minutes.19 Up to a
    $4.95 reload fee plus deposit and card balance limits apply. The cashier
    will give you a receipt as proof of the reload.
    Service provided by Green Dot®. ©2023 Green Dot Corporation. All rights
    reserved. Green Dot Corporation NMLS #914924; Green Dot Bank NMLS #908739.
 2. Western Union: 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.

Some services may require an upgrade.17 Learn more about Wisely card upgrades.

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Can I transfer funds from my Wisely card to my bank account or an external debit
card?

Yes, there are up to two ways you can do this. You can transfer using your bank
account information or, if available to you, your external debit card
information.

To transfer to a personal bank account:

 1. Register or log in to the myWisely® app7 or mywisely.com.
 2. Tap or click the transfer arrows in the upper right corner and select
    Transfer Money.
 3. Enter your routing number and account number of the receiving bank 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. Fees, terms and limits apply.
Please log in to the myWisely app7 or mywisely.com to see your cardholder
agreement, transaction limit and list of all fees for more information.

To transfer using your external debit card information (i.e. your 16-digit debit
card number):

 1. Register or log in to the myWisely® app7 or mywisely.com.
 2. Tap or click the transfer arrows in the upper right corner and select
    Transfer Money.
 3. Enter your external debit card number to complete the transfer.

Please note: Transfers using your external debit card information is currently
available only to members who have Funds transfer fee (Instant Transfer/Debit)
in their List of Fees. Transfers using your external debit card information is
typically processed within 30 minutes, but could take longer due to network
timing, receiving bank processes, or other factors. Only one external debit card
may be linked to your Wisely account. Transfers to your external debit card are
final and not reversible. Fees, terms and limits apply. Please log in to the
myWisely app7 or mywisely.com to see your cardholder agreement, transaction
limit and list of all fees for more information.

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How do I find my Wisely® account and routing information?

You can find your Wisely account and routing number in the myWisely app2 or
online at mywisely.com. Simply log in to your account and go to your account
settings and then tap Direct Deposit.

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How do I load a check with my mobile device?

Load a check with Ingo® Money21 by snapping a photo and following the prompts in
our myWisely® app.7 Approval times vary depending on the type of check and
approval from Ingo® Money.21 You must be 18 or older to use Ingo Money.

This feature may require an upgrade.17 Learn more about Wisely card upgrades.

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Can I add money from other sources?17

The primary cardholder can direct deposit2 income from second jobs, a tax refund
or other government benefits onto your Wisely by ADP® card.

Enter your account and routing numbers into the applicable direct deposit2 form
or hand it to the HR person responsible for your pay.

To retrieve these numbers, register or log into the myWisely mobile app7 or
at mywisely.com and visit your account settings, then tap or click “Account
Numbers”.

If you have a Wisely Pay card (see back of your card) this feature will require
an upgrade.17 For more information on upgrades, click here.

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How do I get paid up to 2 days early14 at no extra charge18 with direct
deposit?2

First, see the back of your card to determine card type:

Wisely Pay Customers

First make sure that:

 * Your card is activated
 * You have set up Direct Deposit2
 * Your card is upgraded.17 If you do not have an upgraded card, Upgrade NOW!17
 * Download the free myWisely app7

Opt-in by logging into your Wisely account at mywisely.com or within the
myWisely app7 and go to your account settings > direct deposit > slide the
button on to agree to the disclosures and to enable early direct deposit.14

Wisely Direct Customers

First, make sure that:

 * Your Personalized Card is activated
 * You have set up Direct Deposit2
 * You have downloaded the myWisely app7

Opt-in by logging into your Wisely account at mywisely.com or within the
myWisely app7 and go to your account settings > direct deposit2 > slide the
button on to agree to the disclosures and to enable early direct deposit.14

How do I know which card I have?

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How do I add money to a secondary card?

Only the primary card member who requested the secondary card can transfer funds
to the card.

To add funds:
1. Log in to your account at mywisely.com or the myWisely® app.7
2. Click or tap the move money button in the upper right corner.
3. Select Transfer Money.
4. Follow the screen instructions to complete your request.

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Can my secondary member add any other funds to the card?

No. Only the primary member who requested the secondary card can transfer funds
to the card.

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DIRECT DEPOSIT

Early direct deposit page

For more information about how to get paid early14 with Direct Deposit, click
here.

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How do I set up Direct Deposit?2

See the back of your card to determine card type

Wisely Pay Members

 1. Log into your Wisely account in the myWisely app7 (or at mywisely.com) to
    retrieve your account and bank routing numbers
 2. Provide to your HR payroll representative

Wisely Direct Members
If you have access to your ADP employee portal, then follow these steps to set
up direct deposit2 and enable early direct deposit.14

 1. Log in to your ADP employee portal
 2. Navigate to the payment options/direct deposit2 setup section
 3. Follow instructions to set up direct deposit2 to your Wisely by ADP® card

If you do not have access to ADP employer portal, then follow these steps to set
up direct deposit2 and enable early direct deposit:14

 1. Log into your Wisely account in the myWisely app7 (or at mywisely.com) to
    retrieve your account and bank routing numbers.
 2. Provide to your HR payroll representative

How do I know which card I have?

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What is early direct deposit?14

Early direct deposit14 allows Wisely® cardholders to access funds directly
deposited up to 2 days earlier14 than the posted pay date and up to 4 days
earlier for government benefits.

This service may require an upgrade.17 For more information on upgrades click
here

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How does early direct deposit work?

Once you elect to receive your pay on your Wisely Direct card and opt-in to
receive Early Direct Deposit:14

 1. Your employer submits payroll to their bank
 2. Wisely receives your employer’s payment instructions
 3. Wisely deposits funds after processing
 4. In most cases, you will receive pay up to 2 days early,14 but it may be less
    depending on when we receive the payment instructions

This service may require an upgrade.17 For more information on upgrades click
here

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Is there a fee to get early direct deposit?14

No. There is no cost18 to you at all.

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If I already have direct deposit set up, do I need to opt in to get paid
early?14

Yes, you do need to opt in to early direct deposit,14 even if you already have
direct deposit set up for your pay, but it’s simple.

Log in here or download the myWisely® app7 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.14

This service may require an upgrade.17 For more information on upgrades click
here

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Does my employer need to use ADP for payroll for me to get early direct
deposit?14

No.

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FEES

Are there fees22 for using my card?

There are no overdraft fees22 because we will not allow you to overdraw your
card.3

There are no minimum balance fees, monthly fees or annual fees.

There are, however, inactivity fees assessed after a certain period of
inactivity. Keep in mind there are also charges for using certain features on
your Wisely by ADP® card.

Please log into your Wisely® account and refer to the Wisely List of All Fees
for applicable usage fees.22

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GET STARTED

How long will it take to get my personalized card in the mail?

You should receive your card in the mail 7-10 business days after enrollment. If
you don’t, give us a call at 1-866-313-9029 for Wisely Direct cards.

Call 1-866-313-6901 for Wisely Pay cards.

How do I know which card I have?

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How do I activate my card?

Once you’ve received your card, you will need to activate it and set your PIN
(Personal Identification Number) using the myWisely® app by visiting
mywisely.com. For your security purposes, do not use personal information as
your PIN.

You may also call to activate your card. Wisely Pay members: 1-866-313-6901,
Wisely Direct members: 1-866-313-9029, Wisely Cash members: 1-877-431-5860

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How do I receive my pay directly onto my card? Wisely Direct Only

Visit your employer portal and click on the Direct Deposit tile to follow
instructions.

If you don’t have access to an employer portal, contact your employer’s HR
representative to enroll in direct deposit2 and provide your Wisely card’s
routing and account numbers.

You can find the routing and account number for your Wisely card by downloading
the myWisely mobile app7 or logging into mywisely.com.

Go to your account settings, then tap or click “Account Numbers”. You can also
download the myWisely app7 and opt in to get paid up to 2 days early14 with
direct deposit at no extra cost.18 For more information click here.

Upgrade17 may be required to add pay from other sources other than the employer
who isssued your card. Learn more

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Where can I get the myWisely® app?

The myWisely app7 can be downloaded from either the Apple® or Google Play™
store:



Use the app7 to access your account anywhere, anytime: check your balance, view
transaction history, find nearby ATMs or see spending trends while you’re on the
go.

NOTE: The myWisely® mobile app7 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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What are the benefits of upgrading my card? Wisely Pay Only

Upgraded17 members get access to premium features that allow you to load funds
to your cards from a variety of places: Second jobs and government benefits
directly deposited at no cost18. You can also add cash in-store. How do I add
cash to my card?

After upgrading, you can also opt in to get paid up to 2 days early14 with
direct deposit on the myWisely app7 or mywisely.com. Learn all the benefits of
upgrading your card.

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How can I upgrade my card? Wisely Pay Only

Click to upgrade NOW.17

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How can I add funds to my Savings Envelope12 and start saving money?

Register or log into the myWisely® 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.

While funds moved to your envelope12 will no longer be in your available
balance, you can always move them back. myWisely® will even discover
opportunities for you to roll over extra funds into your savings envelope.12

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As a secondary cardholder, can I set up my Savings Envelope?12

No, only primary cardholders are eligible to use the Savings Envelope12 in the
myWisely® app.7

If you have a secondary card, you will not be able to access this feature.

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Is there a fee to set up my Savings Envelope?12

No, there is no fee18 to start saving with your Savings Envelope.12

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Can I automate my savings?

Yes! In the myWisely app7 or myWisely.com, you can tell us to automatically move
a specific dollar amount each month, or a dollar amount or percentage of each
paycheck.

You can turn this on or off at any time.

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Is the Savings Envelope12 a savings account? Does it earn interest?

The Savings Envelope12 is part of your Wisely account.

It is not a savings account, and it does not earn interest.

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Is there a limit to how much can be added to my Savings Envelope?12

Your Savings Envelope12 is only limited to the total limit of your Wisely®
account. See your cardholder agreement for more details.

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How do I know if I have a Wisely Direct or Wisely Pay card?

Check on the back of your card for the small print on the lower half (as shown
below) to see your card type.

Back of Wisely Pay card
Back of Wisely Direct card
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What if I don’t know the new card member’s Social Security Number?

Unfortunately, you will need to have this information on-hand in order to
request a Wisely® card for them.

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How does a secondary member activate their card?

To activate it and set a PIN (Personal Identification Number), the secondary
member can use the myWisely® app7 or visit mywisely.com. The secondary member
may also call to activate their card; Wisely Pay members: 1-866-313-6901, Wisely
Direct members: 1-866-313-9029. You can locate the card type on back of the card
in small print on the lower half. Secondary members will use their personal
information, such as Social Security Number, to activate their Wisely card.

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MAKE PURCHASES & PAY BILLS

How do I make purchases with my card?

Use your Wisely® card on the phone, online, or in any store where Debit
Mastercard® is accepted or everywhere Visa® debit cards are accepted. You can
also add your Wisely card to your mobile wallet. You can use contactless pay
anywhere Apple Pay®, Samsung Pay® or Google Pay™ is accepted.

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Is there a fee to make online purchases with my card?

There is no fee18 to make any purchases with your Wisely® card.

See Cardholder Agreement for details.

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Can I get cash using my card?

There are multiple ways you can access cash using your Card (please note that
limits may apply to the amount of cash you are able to withdraw at merchants and
ATMs5).

Cash from ATMs:
Get cash at millions of ATMs worldwide, including tens of thousands
surcharge-free, innetwork ATMs nationwide.5 Fees may apply if you use an
out-of-network ATM. Please reference your Cardholder Agreement and List of Fees
to determine which in-network ATMs are available to you and then click here to
find a location nearest to you.

To get cash, simply:
1. Enter your 4-digit PIN (Personal Identification Number).
2. Select “Withdrawal” from “Checking”.

Cash-back from participating merchants:
The easiest way to get cash back with your Card is at the places you already
shop, like grocery and convenience stores.

Simply:
1. Select “Debit” on the keypad.
2. Enter your 4-digit PIN (Personal Identification Number).
3. Select “Yes” for cash-back.
4. Enter the amount and hit “OK”.

Cash from a bank:
Go to any participating bank, let the teller know you want 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. To
get cash:
1. Know your balance beforehand by logging into your myWisely® account – the
teller cannot tell how much money you have on your Card.
2. Ask the teller for the amount you would like to withdraw.
3. You’ll need your 4-digit PIN (Personal Identification Number) and may be
asked for an additional form of Identification.

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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

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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.

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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 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.

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What transactions are not allowed on the card?

The Wisely® card cannot be used for unlawful Internet gambling or any illegal
transaction.

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Does Wisely® offer EMV chip cards?

We have released EMV (chip) cards for our upgraded cardholders! Upgrade NOW!17

* Wisely Direct cards already have EMV chips–no upgrade necessary.

How do I know which card I have?

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Can I use my Wisely® card outside of the U.S.?

See the back of your card to determine card type

Wisely Pay Customers
Use your Wisely card everywhere Visa® Debit cards are accepted and where debit
MasterCard® is accepted internationally. To use your Wisely® Card for
transactions outside the U.S., including U.S. territories, please set a travel
notice in the myWisely app.7

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.

Wisely Direct Customers
Use your Wisely card anywhere Debit MasterCard® is accepted internationally. To
use your Wisely® Card for transactions outside the U.S., including U.S.
territories, please set a travel notice in the myWisely app.7

Your card is charged an ATM fee when you use an international ATM. Please refer
to the Wisely® Direct List of All Fees for applicable usage fees.

How do I know which card I have?

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Can I send money to family and friends?

Absolutely. You can link your card to all your favorite peer to peer apps like
Venmo®.

Or if you prefer, you can purchase a MoneyPak®20 at a retailer near you to send
cash friends and family. Just follow these steps:

 1. Grab a MoneyPak20 from the debit card section of the gift card rack.
 2. Hand your cash and the MoneyPak20 card to the cashier. A flat fee of $5.95
    will apply.
 3. Next, scratch off the unique MoneyPak20 number on the back of the card and
    give the number to your friend or family member.
 4. Ask the person to set up an account at www.moneypak.com20 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 www.moneypak.com.20
Personal information, internet access, working email address, and mobile phone
are required to use MoneyPak20.

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How do I pay bills16 in the myWisely® mobile app?7

Paying bills16 using the myWisely app7 lets you initiate a bill payment in
seconds with your smart phone.

Just snap a photo of the bill, import an image of a paperless bill or search and
add a new biller.

It’s a quick, convenient and secure way to pay bills.16 The payments you make
are deducted from your Wisely balance.

To pay a bill,16 log into the myWisely app7 and click the arrow in the top right
corner and select “pay a bill”.

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How is my bill paid using a photo or an image of my bill?

Your bill information is extracted from the photo of the bill you snapped or the
image of the paperless bill you uploaded in the myWisely app7 and uses secure
payment automation to complete your payment.

If payment cannot be made electronically, a check will be mailed to the biller
on your behalf.

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What if I don’t have a photo or an image of my bill?

You can still search and add a new biller within the myWisely app7 to make a
payment.

The payment amount is deducted from your Wisely balance. To pay a bill, log into
the myWisely app7 and click the arrow in the top right corner and select “pay a
bill”.

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Is there a fee for paying bills16 using the myWisely app?7

There is no fee18 from Wisely to pay a bill16 using the myWisely app.7

See your Wisely Cardholder Agreement and Disclosure for more details.

Standard data charges may apply.

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How does bill pay16 help me keep track of my payments?

All your bill history is in one place within the myWisely app.7

Just refer to the bill pay section of the myWisely app7 anytime you need proof
of payment, payment method or delivery date.

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Is there a limit to the number of bills I can pay using the myWisely app?7

No. You can pay an unlimited number of bills, if you have money in your Wisely
account to cover them.

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Is there a minimum or maximum dollar amount for bills that can paid using the
myWisely app?7

There is no minimum amount for a bill payment.

Currently, there is a maximum amount of $10,000 per bill.

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How can I confirm my bill payment was sent?

You will receive a confirmation email when your bill has been delivered to the
payee.

Additionally, you can view the status of your bill in the bill details page
within the myWisely® app.7

You can refer to the bill pay section of the myWisely® app.7

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How do I know if my bill payment was sent electronically or by check?

You will receive a confirmation email when your bill has been delivered to the
payee that includes the payment method.

You can also view the payment method on the bill details screen within the bill
pay section of the myWisely® app.7

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Can I schedule a bill payment?

Yes. First, select the date you want to make the payment by clicking on the
“schedule for” date, you will receive a notification the day before the payment,
on the scheduled day, your payment will be sent securely.

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What is the processing time for bill payments?

Electronic payments are delivered to the biller usually within 48 hours after
the submission of the bill in the myWisely app.7

Check payments are delivered usually within 5-7 days business days.

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Can I set up a recurring bill payment?

Recurring payments cannot be set up at this time.

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What do I do if my bill payment was not received?

Sometimes the payee may not credit your account immediately after receiving a
payment.

If the payment is not credited in a reasonable amount of time, please contact
Wisely customer service at the number on the back of your card for assistance
with further payment investigation.

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How do I cancel a bill payment?

Bills can be cancelled from that bill details page within the myWisely® app.7

If the bill payment has already been sent out for payment, please contact Wisely
customer service to see if a stop payment request can be processed.

Wisely Direct call 1-866-313-5860

Wisely Pay call 1-866-313-6901

Wisely Cash call 1-877-431-5860

How do I know which card I have?

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What if I didn’t authorize the bill payment?

Please contact Wisely customer service at the number on the back of your card
for assistance with payment investigation.

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Can I add my Wisely® Card to Apple Pay®, Samsung Pay®, Google Pay™?

Yes. 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™.

 * 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™.

Log into the myWisely app7 to automatically add your Wisely card to your mobile
wallet.

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How can I use my Wisely® Card once it has been added to my digital wallet (Apple
Pay®, Samsung Pay®, Google Pay™)?

Use your mobile wallet at participating stores, online and on apps that accept
Apple Pay®, Samsung Pay®, or Google Pay™.

Open your digital wallet,
Select your Wisely® card,
Authenticate with passcode, face ID, or fingerprint ID, and
Complete your purchase.

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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.

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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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Can a secondary card be used outside of the U.S. for purchases?

Yes, the Wisely® card can be used everywhere Visa® Debit cards or where debit
MasterCard® are accepted internationally. To use a Wisely Card for transactions
outside the U.S., including U.S. territories, secondary members must set a
travel notice in the myWisely app.7 Please refer to the Wisely List of All Fees
for applicable usage fees.

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MANAGE YOUR ACCOUNT

Can I request a card for a spouse or family member?1

Of course! You, as the primary Wisely® member, can request up to 3 cards for
your spouse or other family members. Wisely secondary cards can be used to make
point-of-sale or purchases everywhere Visa® Debit cards or where debit
MasterCard® are accepted. This eliminates the need to carry cash when grocery
shopping, paying bills, going out to eat, and any other daily activities. Age
limits may apply, please reference your Cardholder Agreement for more
information.

To request a secondary card1:

1. Log in to your account at mywisely.com or the myWisely app.7
2. Click or tap the menu button in the upper left corner and scroll to the
button at the bottom of this menu to add a card to your account.
3. Follow the screen instructions to complete your request.

You will need the new secondary member’s name, Social Security Number, and date
of birth to request the card.

Secondary cards are mailed to the primary member’s address on file. Secondary
members can update their address in the myWisely app7 or at mywisely.com after
activation.

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How do I check my balance and view transaction history without a fee?18

Log into the myWisely app2 or myWisely.com to check your balance, view
transaction history, find nearby ATMs, see spending trends, and much more.

You can also set up email, push or text alerts,7 including low balance
notifications at whatever amount you decide.7

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What are pending transactions?

It’s the amount of money that has been set aside for purchases made with your
card, but has not yet been collected by the merchant.

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Can I take this card with me if I change jobs?

Yes. Use the Wisely card to direct deposit2 money from multiple sources,
including second jobs, regardless of your employer.

Upgrade17 may be required for Wisely Pay cards. See the back of your card to
determine card type and click here to learn more about upgrades

How do I know which card I have?

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What happens if my card is expiring or expired?

An updated card will be sent 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.

Wisely Direct customers call 1-866-313-9029

How do I know which card I have?

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How can I change my PIN number?

Log into the myWisely® app7 and tap card settings to enter a new PIN.

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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:

 1. Go to Account Settings.
 2. Tap the Profile Info button.
 3. Make your changes.

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What if I forgot my User ID or Password?

You may request your username and password here or on the myWisely® app.7

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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.

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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 available 24/7.

* Wisely Direct customers call 1-866-313-9029.

How do I know which card I have?

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REWARDS

What is Dosh?

Dosh is a feature in the myWisely app7 that allows you to earn cash back15 on
purchases at participating merchants (in store and online) after opting in.

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How do I opt into Dosh?
 * Open the myWisely app7 or login to your account at mywisely.com.
 * On the left hand menu, choose select “Wisely Rewards.”
 * Choose “Cash back15 purchases” and
 * click “opt-in” to agree to the terms and conditions.

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Do I need to download the Dosh app?7

No. The only way to link your Wisely card to Dosh is by opting in through the
myWisely app.7

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What’s the difference between Dosh on the myWisely app and the Dosh app?

The Dosh service is fully integrated into the myWisely app7 and offers the same
cash back15 benefits as the Dosh app.

Remember, you must opt-in for Dosh on the myWisely app7 to use your Wisely card
for Dosh cash back rewards.15

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Can I use my Wisely card with the Dosh app?

No. Wisely cardholders can only use the myWisely app.7

The Dosh app will direct you to the myWisely app7 to link your Wisely card.

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How do I get my cash back rewards15 from purchases that I make?

Opt-in to the Dosh cash back rewards15 program on the myWisely app,7 then make
purchases using your Wisely card at participating merchants and online services
or stores.

After your eligible transaction has been verified by Dosh, your cash back
rewards15 will be sent to your cardholder primary account and then transferred
to your Wisely Rewards Savings Envelope.12

Most Cash Back Rewards15 will appear in your Savings Envelope within 4 weeks
after the transaction has completed. Only Cash Back Rewards15 for the purchase
of eGift cards will appear instantly.

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How do I use myWisely to see which merchants offer cash back?15

You can browse eligible Dosh cash back 15 rewards by launching the Dosh
experience within the myWisely app7:

 1. Click ‘Wisely Rewards’ in the main menu
 2. Click ‘Cash Back – Purchases’ on the ‘Wisely Rewards’ landing screen
 3. If you have already opted-into the ‘Cash Back – Purchases’ program, the Dosh
    experience will immediately launch
 4. If you have not previously opted-in, you must click the ‘Opt in’ button at
    the bottom of the ‘Cash Back – Purchases’ screen and then click ‘Accept’ on
    the subsequent ‘Terms & Conditions’ screen. The Dosh experience will launch
    after ‘Accept’ is clicked
 5. From the Dosh experience, you can browse through all eligible cash back15
    offers based on local and/or merchant.

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How will I know when I receive cash back?

Normally you can look into your transaction history to see when Cash back
Rewards15 have been loaded into your account.

If you would like to be notified when your cash back15 is in your Savings
Envelope12 you can setup alerts in the myWisely app.7

Just open your account settings in your myWisely app7 and select alert settings
and choose how you would like to be notified.

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Where did my rewards go?

Your rewards will appear in your Savings Envelope12 and will not appear in your
available balance.

If you would like to move your funds to your available balance, visit the
“future” section of the app,7 click withdraw and enter the amount that you would
like to move from your Savings Envelope12 to your available balance.

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Can I opt out of Dosh?

Yes, but you will need to call the number on the back of your card and request
to opt out with the help of an agent.

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Who should I reach out to if I am experiencing issues with Dosh?

Please call the number on the back of your card if you are experiencing any
issues with the Dosh service.

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If I return my purchase, will I lose my rewards?

Once your cash back15 is in your Savings Envelope12 it will not be removed if
you return a purchase.

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What is the difference between an eGift card and other gift cards?

Unlike gift cards you may have given or received in the past, this gift card is
specifically designed to provide you cash back15 into your myWisely Rewards
Savings Envelope.7

The eGift cards (“e” signifying electronic) are purchased and delivered to you
directly through the myWisely app.7 The eGift cards are for your use only and
cannot be shared or given to someone else.

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How do I purchase an eGift card on the myWisely app7?

Sign into the myWisely app7 and select “Wisely Cash Back Rewards”,15 select Cash
back eGift Cards, then choose an eGift card from a participating retailer and
complete your purchase directly through the app.7

Remember, you can spend only what is on your Wisely card. To purchase an eGift
card, you must have enough available funds in your account to cover the full
cost of the eGift card.

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Is there a limit to the number of eGift cards I can purchase?

There is no limit to the number of eGift cards you can purchase on the myWisely
app.7

Available eGift card value denominations are preset by merchants. Please refer
to the specific terms and conditions found on each card product’s page prior to
purchase.

Remember: You must have available funds in your account to purchase eGift cards.

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How will my eGift card be delivered? How soon will I receive it?

After you complete your purchase, your eGift card will be immediately available
in your Wisely® digital wallet.

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Can I opt out of receiving an email confirmation after each purchase?

No, these emails are sent to confirm your purchase. Cardholders are unable to
opt out of these transactional emails.

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Where can I redeem my eGift card?

Most eGift cards can be used at the merchant’s retail locations or online at the
merchant’s website.

Please refer to the specific terms and conditions found on each card product’s
page prior to purchase.

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How can I redeem my eGift card?

Open the myWisely app,7 go to the Wisely Rewards15 from the dropdown menu, then
select “Cash Back – eGift Cards” and select the “Wallet” tab.

If in person, have retail cashier scan bar code. If online, select eGift card as
payment method and type in eGift card number.

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Can I redeem my eGift cards for cash?

eGift cards are intended for the purchase of goods and merchandise.

Please refer to the specific terms and conditions found on each card product’s
page prior to purchase.

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Will my eGift card expire?

Please refer to the specific terms and conditions found on each card product’s
page prior to purchase.

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How much cash back15 do I get when I purchase an eGift card?

Cash Back Rewards15 typically range between 2% and 10% of the eGift card amount
purchased. The cash back15 amount is predetermined and will be indicated prior
to purchasing the eGift card.

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When do I receive my Cash Back Rewards?15

You’ll receive your Cash Back Reward15 immediately after you purchase your eGift
card.

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Where can I find my Cash Back Reward?15

Your Cash Back Reward15 will be available in your myWisely Rewards Savings
Envelope12 once your eGift card purchase has been completed.

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How can I withdraw the Cash Back Reward15 from my Wisely® Rewards Savings
Envelope?12

Transfer funds from your Wisely Rewards Savings Envelope12 to your primary card
account by opening the myWisely app7 or log into your account on mywisely.com.
Select the “Future” tab at the bottom, click “Withdraw” and enter the amount
that you would like to transfer to your primary card account.

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Will I receive my Cash Back Reward15 for every eGift card purchase?

Cash Back Rewards15 apply to all eGift cards available for purchase through the
myWisely app7 in the amount stated.

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Do I get cash back15 if I purchase a gift card at a store or restaurant with my
Wisely® card?

Cash Back Rewards15 apply only to eGift cards purchased through the myWisely
app.7

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SECURITY & FRAUD PROTECTION

What if my card is lost, stolen, or used without my permission?

Don’t worry! If your card is lost or stolen,23 be sure to instantly lock your
card using the myWisely® app7 or on mywisely.com so your card cannot be used. 
To lock your card, log into the myWisely mobile app7 or mywisely.com and go to
account settings, then open card settings.

You can also contact the call center immediately: 1-866-313-6901.* We will
cancel your card and transfer the funds to a new card that will be sent to you.
Please note that funds are not transferred until your new card has been
activated.
* Wisely Direct customers call 1-866-313-9029.
How do I know which card I have?

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How much does it cost to replace a lost, stolen or damaged card?

Cards can get lost or stolen so we grant one1 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.

Please see Cardholder Agreement for more details.

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Can you tell me more about additional fraud protection?23

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).

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What do I do if I have a question or think there is an error with a transaction
on my card?

Contact Wisely® Member Services at 1-866-313-6901 and we’ll provide assistance.

If you suspect fraud, you can instantly lock your card so it cannot be used. Log
into the myWisely® app7 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,23 or damaged card to our call center immediately.

* Wisely Direct customers call 1-866-313-9029.

How do I know which card I have?

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How do I dispute a transaction and how long does it take to resolve?

If you notice unauthorized charges on your account, contact Wisely® Member
Services at 1-866-313-6901.*

We will be able to review the account transaction history and provide
assistance. Resolution timeframes will vary based on transaction type.

* Wisely Direct customers call 1-866-313-9029.

How do I know which card I have?

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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.

Having access to your money is extremely important and we strive to resolve
customer issues quickly, so be sure to include all relevant details when
submitting a claim to help speed up the process.

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What is a travel notice?

A travel notice is an enhanced security measure that helps to protect you
against fraud when using your Wisely by ADP® card while traveling outside of
your home state and bordering state(s).

Your Wisely by ADP® card will work in your home state and any bordering state
upon activation, however, if you travel beyond your area add a travel notice in
order to avoid declines on your card.

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How do travel notices help protect me from fraud?

It reduces the opportunity for out of state and international fraud.

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How can I set a travel notice and how long does it take?

Login to the myWisely® app7 or myWisely.com. Select account settings / card
settings/ travel notices.

You may also call cardholder services at 1-866-313-6901*. A travel notice
becomes effective immediately upon saving changes; it takes only seconds to
select a travel notice and help protect yourself against fraud.23

* Wisely Direct customers call 1-866-313-9029.

How do I know which card I have?

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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).

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What should I do if my card is declined when traveling?

Login to the myWisely® app7 or myWisely.com to set up a travel notice. You may
also call cardholder services at 1-866-313-6901.*

* Wisely Direct customers call 1-866-313-9029.

How do I know which card I have?

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Is a fee charged if my card is declined?

There isn’t a fee if your card is declined when attempting to purchase.

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What do I do if I misplace or lose my card?

Lock your card immediately on the myWisely® app7 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.

* Wisely Direct customers call 1-866-313-9029.

How do I know which card I have?

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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® app7 or visiting
myWisely.com.

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Is the money on my Wisely card FDIC insured?

Upon activation your card balance is FDIC insured up to the eligible amount
through Fifth Third Bank, N.A., Member FDIC or Pathward®, N.A ., Member FDIC.
Please log in to the myWisely app7 or mywisely.com to see your cardholder
agreement for more information.

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TAX REFUNDS

Can I have my tax refund added to my Wisely card?

Yes, if you have a Wisely Direct or an upgraded Wisely Pay card (see the back of
your card to determine card type). An upgrade1 is required to add your tax
refund to your non-upgraded Wisely Pay card. If your card is not yet upgraded,1
click here. To learn more about upgrades1 click here.

Your tax refund will be added to your Wisely card after your tax return is
processed and completed by the IRS. To check the status of your refund, please
visit the IRS website.

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Why should I have my tax refund direct deposited to my Wisely card?

Getting your tax refund via direct deposit2 means quick access to the funds you
need to save,3 pay bills,4 and even earn cash back rewards5 when shopping at
participating merchants.

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What do I have to do before setting up a direct deposit for my tax refund?

1. Activate your Wisely card at (link) or in the my Wisely app6
2. Get your routing and account number for your Wisely card by downloading the
myWisely app6 or logging into mywisely.com

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How do I direct deposit my tax refund to my Wisely card?

1. Log in to get your Wisely account and routing numbers
2. Enter them in the refund section of your tax return
3. Select checking as your refund type
4. Set up account alerts in the myWisely app6 so you will know when your refund
arrives

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How do I set up an alert to get notified when my tax refund is posted to my
account?

It’s easy. Log into the myWisely app6 or mywisely.com to set up alerts to get
notified when your tax refund arrives. You can 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.

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What is the status of my tax refund and how can I check?

Your tax refund will be added to your Wisely card as soon as your return is
processed and completed by the IRS. However, our customer care team does not
have information on when your tax refund will arrive. If everything has been
entered correctly and the IRS accepts your tax returns, your refund will be
loaded directly into your Wisely Pay account. To check the status of your
refund, please visit the IRS website. The IRS website is updated once every 24
hours with information on the status of your tax refund.

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How can I use my tax refund added to my Wisely card?

Use your card for everyday purchases:
Once your refund is added to your Wisely card, you can use your card on the
phone, online, or in any store everywhere Visa debit cards are accepted and
where Debit Mastercard is accepted. You can also add your Wisely card to your
mobile wallet. Pay with a single touch anywhere Apple Pay®, Samsung Pay® or
Google Pay™ is accepted.

Paying bills:
You can pay merchants who accept Debit Visa or Mastercard. 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 pay4
provider by logging into your account on the myWisely mobile app.6 Please refer
to the separate terms & conditions and fees pertinent to the bill payment
service provider.

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

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Can I save part of my tax refund for future bills or a special occasion?

Yes, and it’s easy! Once your tax refund is added to your card, register or log
into the myWisely mobile app6 or at mywisely.com. Tap or click “Future” and
start saving.3

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Footnotes

 1.  To help the federal government fight the funding of terrorism and money
     laundering activities, the USA PATRIOT Act requires all financial
     institutions and their third parties to obtain, verify and record
     information that identifies each person who opens a card account. ↩
 2.  Please allow up to 3 weeks for your pay to be loaded to the card after
     initial setup of direct deposit to your card. ↩
 3.  Because this card is prepaid, you can only spend what is on the card and
     thus are unable to overdraft. ↩
 4.  Please review your cardholder agreement and third party terms and
     conditions (if applicable) to learn how this applies to you. ↩
 5.  The number of fee-free ATM transactions may be limited. Please see your
     cardholder agreement fee schedule for more information. ↩
 6.  The Wisely card is a prepaid card. Wisely® Direct and Wisely® Pay are not
     credit cards and do not build credit. ↩
 7.  Standard message fees and data rates may apply. ↩
 8.  Additional terms and third-party fees may apply. ↩
 9.  See your Cardholder Agreement for full zero-liability information.
     Under MasterCard’s Zero Liability Policy, your liability for unauthorized
     transactions on your Card Account is $0.00 if you notify us promptly upon
     becoming aware of the loss or theft, and you exercise reasonable care in
     safeguarding your Card from loss, theft, or unauthorized use. These
     provisions limiting your liability do not apply to debit transactions not
     processed by MasterCard or to unregistered cards.
     Visa’s Zero Liability policy does not apply to certain commercial card and
     anonymous prepaid card transactions or transactions not processed by Visa.
     Cardholders must use care in protecting their card and notify their issuing
     financial institution immediately of any unauthorized use. Contact your
     issuer for more detail.” ↩
 10. Nearly 100% of cardholders receive their pay on or before 9am on payday. ↩
 11. You may load $20-$500 in cash onto your Wisely Card for a flat rate of up
     to $5.95 (subject to card and balance limits). If you have a Wisely Pay or
     Wisely Cash card (see back of your card), this feature requires an upgrade
     which may not be available to all cardholders. You should confirm your
     access to this feature before attempting to load cash to your card. ↩
 12. Amounts transferred to your savings envelope will no longer appear in your
     available balance. You can transfer money from your savings envelope back
     to your available balance at any time using the myWisely app or at
     mywisely.com. ↩
 13. You must first pass an additional verification process. ↩
 14. You must opt-in to early direct deposit on mywisely.com or myWisely mobile
     app. Early direct deposit of funds is not guaranteed and is subject to
     payor’s support and the timing of payor’s payment instruction. Faster
     funding claim is based on a comparison of our policy of making funds
     available upon our receipt of payment instruction with the typical banking
     practice of posting funds at settlement. Please see full disclosures on
     mywisely.com or myWisely app. Please allow up to 3 weeks for funds to be
     loaded to the card after initial setup of direct deposit to your card. ↩
 15. Cash Back Rewards on purchases at participating merchants are powered by
     Dosh Rewards. Opt-In is required for Dosh Rewards only. Most Cash Back
     Rewards will appear in your savings envelope within 4 weeks after the
     transaction has completed. Only Cash Back Rewards for the purchase of eGift
     cards will appear instantly. eGift Card Cash Back offers range from 2% –
     12%, depending on the gift card that is purchased. Cash Back amounts will
     be disclosed before you select a gift card. Please review the Terms and
     Conditions of each eGift card product before purchase. Funds from all
     Rewards can be moved from the savings envelope into the available balance
     on your card. You must login to myWisely to access the Rewards feature for
     purchases and e-gift cards. These optional offers are not a Fifth Third
     Bank, Metabank, Mastercard or Visa product or service, nor does Fifth Third
     Bank, Pathward, Mastercard or Visa endorse this offer. ↩
 16. The bill pay feature, powered by Papaya, is available through the myWisely
     app. Additional terms and limits apply. This optional offer is not a Fifth
     Third Bank, Pathward or a [Mastercard, Visa] product or service, nor does
     Fifth Third Bank, Pathward or [Mastercard, Visa] endorse this offer. ↩
 17. If you have a Wisely Pay card (see back of your card), access to certain
     features or loading funds from sources other than the company you received
     your card through requires an upgrade, which you can request in the
     myWisely app or by calling the number on the back of your card. Requesting
     an upgrade will automatically initiate an identity verification process
     utilizing your personal information already on file which must be validated
     in order to upgrade. Card may be restricted or closed if your identity
     cannot be verified. Upgrade may not be available to all cardholders. ↩
 18. While this feature is available without a fee, certain other transaction
     fees and costs, terms, and conditions are associated with the use of this
     card. Please log in to the myWisely app or mywisely.com to see your
     cardholder agreement and list of all fees for more information. ↩
 19. Funds are typically available on your card within 10 minutes. ↩
 20. You may load $20-$500 in cash onto your Wisely Card for a flat rate of up
     to $5.95 (subject to card and balance limits). If you have a Wisely Pay or
     Wisely Cash card (see back of your card), this feature requires an upgrade
     which may not be available to all cardholders. ↩
 21. Ingo Money is a service provided by Ingo Money, Inc. and First Century
     Bank, National Association, Member FDIC, subject to Ingo Money and First
     Century Bank Terms & conditions and Privacy Policy. Approval review usually
     takes 3-5 minutes, but may take up to one hour. All checks are subject to
     approval for funding in Ingo Money’s sole discretion. Unapproved checks
     will not be loaded to your card. Ingo Money reserves the right to recover
     funds from bad checks if you knew the check was bad when you submitted it,
     if you attempt to cash or deposit it elsewhere after funding or if you
     otherwise act illegally or fraudulently. Fees may apply for loading or use
     of your card. See your Cardholder Agreement for details. All checks are
     subject to approval by Ingo in its sole discretion. Fees and other terms
     and conditions apply to check load services. Visit
     http://ingomoney.com/tc.html for complete details. ↩
 22. To view applicable fees, please log in to the myWisely app or mywisely.com
     to see your cardholder agreement and list of all fees for more information.
     ↩
 23. Your funds are protected from fraud if your card is lost or stolen. You
     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 your
     permission. For more information, please review your cardholder agreement
     by logging in to the myWisely app or online at mywisely.com. ↩

The Wisely Pay Visa® is issued by Fifth Third Bank, N.A., Member FDIC or
Pathward®, N.A., Member FDIC, pursuant to a license from Visa U.S.A. Inc. The
Wisely Pay Mastercard® is issued by Fifth Third Bank, N.A., Member FDIC or
Pathward, N.A., Member FDIC, pursuant to license by Mastercard International
Incorporated. The Wisely Direct Mastercard is issued by Fifth Third Bank, N.A.,
Member FDIC. ADP is a registered ISO of Fifth Third Bank, N.A., or Pathward,
N.A. The Wisely Pay Visa card can be used everywhere Visa debit cards are
accepted. Visa and the Visa logo are registered trademarks of Visa International
Service Association. The Wisely Pay Mastercard and Wisely Direct Mastercard can
be used where debit Mastercard is accepted. Mastercard and the circles design
are registered trademarks of Mastercard International Incorporated.

ADP, the ADP logo, Wisely, myWisely, and the Wisely logo are registered
trademarks of ADP, Inc.
Copyright © 2023 ADP, Inc. All rights reserved.


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