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.4 You can view your balance on the free myWisely mobile app7, or at myWisely.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 myWisely.com or download the free myWisely mobile app7 to find in-network, surcharge-free ATMs in your area.5

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 myWisely, the free mobile app7, or at myWisely.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.7

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

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

Internet Purchases

Internet Purchases

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

Travel Notices

Travel Notices

When traveling beyond your home state and bordering states, set a travel notice on the myWisely™ app to help avoid declines on your card. Login to the myWisely app and select Account Settings/ Card Settings/ Travel Notices or call (866) 313-9029 to get started.

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

If your card is lost or stolen, be sure to lock your card using the myWisely app. You can instantly lock your card so it cannot be used. Log into the myWisely app 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.If you cannot find your card, please contact cardholder services at (866) 313-9029 and order a replacement card.

We will cancel your card and transfer the funds to a new card that will be sent to you. If you would like to access your funds prior to receiving your replacement card, please ask the representative to authenticate a Wisely Check by ADPTM. The check can be found in your original Wisely Card Welcome Kit. Once the Wisely Check is authenticated, the representative will provide you with the available balance and your 6-digit authentication number, which you must record on the check. Funds for that check will immediately be deducted from your card balance to allow payment when presented (you CANNOT change the check amount or the check will be returned).

Card PIN Issues/Reset

Card PIN Issues/Reset

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.

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 current balance by enrolling in our two-way text service.7

You can check your current balance without a fee by logging into your account on the FREE myWisely mobile app7, or online at myWisely.com.

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 myWisely mobile app,7 or at myWisely.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.9

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 myWisely mobile app7 or at myWisely.com.

With Wisely Direct by ADP, 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).

Access to Your Wisely Card Account
Access Your Card Account Online

Access Your Card Account Online

Go to myWisely.com and log in. If you do not currently have a myWisely account, you may register at any time by creating 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 your balance, view transaction history, find nearby ATMs, see spending trends, and set aside savings. Visit myWisely.com from any web-enabled device, download in the App Store or Google Play. 7

Account Alerts7

Account Alerts7

Email or text messaging alerts7 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 myWisely.com.

Transaction History

Transaction History

Your transaction history and recent transactions are available when you log into your account on the free myWisely mobile app,7 or at myWisely.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 to the primary cardholder’s prepaid account. Simply provide your Wisely card’s routing and account numbers to the entity initiating the payment to your Wisely Direct by ADP Card. You may view your routing and account numbers through the cardholder website by logging into your account on the free myWisely mobile app7 or at myWisely.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 Western Union location in the United States (third-party load fees may apply). Log into your cardholder account at myWisely.com for more information on how to load funds from Western Union, or visit https://wiselydirect.adp.com/my-card/

Loading Cash onto Your Wisely Card by Going to a Retailer

Loading Cash onto Your Wisely Card by Going to a Retailer

You may load $20-$500 in cash on your Wisely card at over 70,000 retail locations nationwide using Reload @ the Register™ or MoneyPak® for a flat rate of $5.95 (subject to card and balance limits.), in addition to the amount you wish to load onto your Wisely card. Retailers include CVS, Dollar General, Rite-Aid, 7-Eleven, Walgreens, and Walmart. You should confirm your access to this feature before attempting to load cash to your card.

Learn more about how to reload your card with cash on the following Green Dot websites: attheregister.com or moneypak.com.

Ingo® Money8

Ingo® Money8

Deposit a check with Ingo® Money8 by snapping a photo and following the prompts in the free myWisely mobile app7. Approval times vary depending on the type of check and approval from Ingo®.

Load Limits

Load Limits

The maximum load limits to your Wisely card via Western Union, Ingo®, Reload @ the Register™ or MoneyPak® are currently as follows:

Reload Through Western Union  

$1,500/day
$5,000/mo.

Reload Through Reload @ the Register™ or MoneyPak®  

$1,500/day or 4 loads
$3,500/week or 7 loads

$5,000/mo. or 20 loads

 

Ingo Per Check Deposit Limit $1,500.00
Ingo Monthly Check Deposit Limit  

$5,000.00

 

 

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 Member1

Request a Card for a Spouse or Family Member1

Log into your account at myWisely.com or call Cardholder Services to obtain up to three additional cards. Primary cardholders will be able to transfer funds to and from 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 without a fee.

Contact your billers/retailers for their direct bill payment options. Third party fees may apply.

You will also be able to use the services of a third-party bill pay provider by logging into your account on the free myWisely mobile app7 or at myWisely.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 PayTM.

Wisely Direct Phone

Download the free myWisely mobile app1

The smarter way to manage your money

  • MANAGE. Check balance and view transaction history anytime, on the go.
  • TRACK. See exactly where you spend your money.
  • SAVE. Set aside money to build your rainy day fund.2

Go to myWisely.com to register or download now1

Wisely Direct Phone

1Standard text message fees and data rates may apply.

2Amounts transferred to your savings envelope will no longer appear in your available balance.

The Wisely Direct by ADP is issued by Fifth Third Bank, N.A., Member FDIC, pursuant to a license from Mastercard International Incorporated. The Wisely Direct by ADP prepaid card can be used everywhere Debit Mastercard is accepted.

Apple and the Apple logo are registered trademarks of Apple Inc. App Store is a service mark of Apple Inc., registered in the U.S. and other countries. Google Play and the Google Play logo are trademarks of Google LLC. Wisely by ADP, Wisely Direct by ADP, and the ADP logo are registered trademarks of ADP, LLC. Copyright© 2019 ADP, LLC. All rights reserved.