How does early direct deposit work?

Q: How does early direct deposit work?

Wisely® cardholders can receive direct deposit with funds directly deposited up to 2 days earlier than the regularly scheduled payday and up to 4 days earlier for government benefits payments. Once you set up early direct deposit via the myWisely® app or mywisely.com: Your employer submits payroll to their bank. Wisely receives your employer’s payment instructions. Wisely deposits funds after processing. In most cases of early deposit, you will get access to funds up to 2 days early, but it may be less depending on when we receive the payment instructions. Getting direct deposit early is not a guarantee for every paycheck. Whether you receive the direct deposit two days early or later depends on various factors, such as your employer's payroll processing schedule, banking holidays, and your payroll provider's policies.

Wisely^® cardholders can receive direct deposit with funds directly deposited up to 2 days earlier than the regularly scheduled payday and up to 4 days earlier for government benefits payments.

Once you set up early direct deposit via the myWisely^® app or mywisely.com:

Your employer submits payroll to their bank.
Wisely receives your employer’s payment instructions.
Wisely deposits funds after processing.

In most cases of early deposit, you will get access to funds up to 2 days early, but it may be less depending on when we receive the payment instructions.

Getting direct deposit early is not a guarantee for every paycheck. Whether you receive the direct deposit two days early or later depends on various factors, such as your employer’s payroll processing schedule, banking holidays, and your payroll provider’s policies.

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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.