Adding credit card icon

To activate your card, go to: activatewisely.com

You will need to choose a PIN (Personal Identification Number) and set up your direct deposit when you activate your card. For customer service, please call 1-866-313-9029.

Once you activate and fund your card, you can use the card to purchase goods and services everywhere Mastercard® debit cards are accepted and withdraw cash at all participating ATMs. (Please refer to Cardholder Fee Schedule for applicable fees.) You can view your balance on the free ADP Mobile Solutions app7, or at myADP.com.

Using Your Wisely Card
Point-of-Sale Purchase

Point-of-Sale Purchase

Use your card any place that accepts Mastercard, such as grocery stores, restaurants, gas stations, and retail stores.

Use as Signature or Debit

Use as Signature or Debit

  • Signature Transactions: These purchases do not require a PIN and are without a fee.4
  • Debit/PIN Transactions: These are PIN transactions and are best used when you want cash back from a merchant. These transactions are without a fee.
ATM Transactions

ATM Transactions

Access your money at ATMs worldwide. You can visit wiselydirect.adp.com, or log into myADP.com or the free ADP Mobile Solutions app7 to find in-network, surcharge-free ATMs in your area, or visit allpointnetwork.com.4

Multiple Ways to Check Your Card Balance Without a Fee4

Multiple Ways to Check Your Card Balance Without a Fee4

You can check your current balance anytime for no fee by logging into your account on the free ADP Mobile Solutions app7 or at myADP.com. While you’re logged into your account, you can set up your email and text alerts7, including low balance and pending deposit alerts conveniently delivered to your email address or mobile phone.

For iOS® and Android™ devices, log into myADP.com to access your card balance and transaction history without a fee.4, 7

Finally, you may check your balance at any in-network ATM without a fee.4

Internet Purchases

Internet Purchases

There is no fee to make Internet purchases with your Wisely card.4

Preauthorization Holds
Gas Stations

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

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

Hotels may place a hold on your account for your room reservation and is typically released upon checkout, but may last up to a couple of weeks.

Hold Times

Hold Times

Some merchants may require different authorization hold times. The information listed above is a reference and not a guarantee of hold length.

Lost or Stolen Cards

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.

Card PIN Issues/Reset

Card PIN Issues/Reset

If you forget your PIN or would like to change it, you can do so by accessing the cardholder website at myADP.com, on the free ADP Mobile Solutions app7, or by calling Cardholder Services.

What transactions are not allowed

What transactions are not allowed

You cannot use the Wisely card for unlawful Internet gambling or any illegal transaction.

Get Your Money Off the Card Without a Fee4

Get Your Money Off the Card Without a Fee4

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. You can check your balance online or by enrolling in our two-way text service.7

Fees For The Card

Fees For The 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 ADP Mobile Solutions app7 or at myADP.com.

Your Wisely Card is FDIC Insured

Your Wisely Card is FDIC Insured

The amounts that you load on your Wisely card are insured by the Federal Deposit Insurance Corporation (“FDIC”) up to the maximum amount provided by applicable law provided the card is registered in the name of the primary cardholder. Your money is also protected by Regulation E and the Mastercard Zero Liability Policy.4

Fraud Protection

Fraud Protection

Signature-based transactions that qualify are protected by the Mastercard Zero Liability Policy. 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 card, view the Cardholder Agreement on the free ADP Mobile Solutions app7 or at myADP.com

Access to Your Wisely Card Account
Access Your Card Account Online

Access Your Card Account Online

Go to myADP.com and log in. If you do not currently have a myADP account, click on the “Register Now” button under the New User section of User Login. Enter registration code wiselydir-myadp. Select a username and password. On future visits, only your username and password will be required.

Mobile Access7

Mobile Access7

Access your card account anywhere, anytime. You can check card balances, transfer funds, pay bills, find ATMs, and much more. Visit myADP.com from any web-enabled device.

Account Alerts7

Account Alerts7

Email or text messaging alerts can be set up for each deposit and when your card falls below a specified dollar amount.

Go online to your card account to set up your alerts today at myADP.com.

Transaction History

Transaction History

Your transaction history and recent transactions are available when you log into your account on the free ADP Mobile Solutions app7 or at myADP.com. If you do not have online access, you may contact Cardholder Services to request your transaction history at no charge. You can request that the transaction history be mailed to you at your request. A fee for mailing the history may apply; see your Cardholder Fee Schedule.

Adding Money from Other Sources

Adding Money from Other Sources

You can load money from multiple employers and sources, such as your annual tax refund, government benefits and child support payments. Simply provide your Wisely card’s routing and account numbers to the entity initiating the payment to your Wisely Direct by ADP card.2 You may view your routing and account numbers through the cardholder website by logging into your account on the free ADP Mobile Solutions app7 or at myADP.com.

Transferring Funds to My Bank Account

Transferring Funds to My Bank Account

You can also transfer funds off the card to other financial accounts. It may take 3 business days to enroll and validate an account at another financial institution. Once an account is validated, it may take up to 3 business days to complete each transfer.

Additional Deposits

Additional Deposits

You can load additional funds onto your card at any MoneyGram or Western Union location in the United States (third-party load fees may apply). Log into your cardholder account at myADP.com for more information on how to load funds from MoneyGram or Western Union.

Ingo® Money

Ingo® Money

Deposit a check with Ingo Money8 by snapping a photo and following the prompts in the free ADP Mobile Solutions app.7 Approval times vary depending on the type of check and approval from Ingo.

The maximum load limits to your Wisely card via MoneyGram, Western Union or Ingo are currently as follows:

  • $1,500 per transaction
  • $3,500 per day
  • $5,000 per month

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

Request a Card for a Spouse or Family Member

Request a Card for a Spouse or Family Member

Log into your account at myADP.com or call Cardholder Services to obtain up to three additional cards. You will be able to move funds to your secondary cardholders. Each person has full and immediate access to the funds on their individual card and the secondary cards cannot be used internationally.1

Additional Wisely Card Features
Bill Pay8

Bill Pay8

Pay merchants who accept Mastercard debit cards directly with your card.8

Contact your billers/retailers for their direct bill payment options.
You will also be able to use the services of a third-party bill pay provider by logging into your account on the free ADP Mobile Solutions app7 or at myADP.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.

Apple Pay® /Samsung Pay® / Google Pay

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.5