Activate Wisely

Do more with your money. Activate Wisely.

Your Wisely^® prepaid debit card benefits are waiting. Just activate your card to get started! You’ll soon be on your way to early direct deposit,¹ online bill pay,² and cash back rewards³ for all the ways you shop, dine and travel.

Activate Your Card

Man activating Wisely card via mobile phone

Wisely member benefits help you
get more for your money

graphic illustration showing myWisely app example Available Balance screen

Get early direct deposit¹ to
better manage your money

With early direct deposit, you can get paid up to 2 days early.¹ Get early pay from multiple jobs, government benefits, and tax refunds, too. Best yet? Take your Wisely prepaid debit card with you, even if you change jobs.⁴

Avoid hidden fees and minimums⁵

With Wisely there are no minimum balance fees⁵ or fees on everyday spending. No annual fees, overdraft fees,⁶ or fees for in-network ATMs⁷ either. When there are certain types of fees associated with your card, you can count on us to be transparent about it.

graphic illustration of the purple Wisely prepaid debit card with Mastercard insignia

Protect yourself against debit card fraud⁸

Certain transactions are protected by either the Visa^® or Mastercard^® Zero Liability Policy.⁹ Real-time alerts and ability to lock your card offer more control. Certain cards come with EMV chip technology (an upgrade feature)⁴ for added protection.

Earn rewards for all the ways you like to shop

Use your Wisely card wherever Visa debit card or Debit Mastercard is accepted. Plus, get cash back rewards³ at thousands of participating retailers and when you buy eGift cards through myWisely. Add your card to your digital wallet for contact-less payments.

man using myWisely app to send peer transfer

Meet your budgeting and savings goals

Schedule payments and pay your bills² securely with online bill payment. View and track payment history all in one place. Save with our savings envelope¹⁰ that lets you automatically set aside money into categories.

Move money when and where you need it

Get funds at thousands of surcharge-free, in-network ATMs⁷ nationwide. Send and receive⁴ funds from Venmo and PayPal, plus transfer money from your Wisely account to external accounts. Easily add secondary cards¹¹ for family members.

Backed by the company that pays 1 in 6 private sector workers in the U.S.

Trust comes with Wisely. That’s because we’re backed by ADP, the payroll processing company with 70 years of experience helping to ensure people get paid accurately and on time.

FinTech Futures PayTech Awards 2023 Finalist

FinTech Breakthrough Awards 2023 Banking Innovation Award

FinTech Futures Banking Tech Awards 2023 Winner

myWisely mobile app interface showing card shipment status with emphasis on Activate button

Activate your Wisely card to unlock your member benefits

You enrolled for a Wisely card. Now activate it so you can:

Get paid up to 2 days early¹
Build an emergency savings fund¹⁰
Earn cash back rewards³

And guess what? You can even take your card to your next job. But first you have to activate it.

Activate Your Card

Haven’t received your card? Call us at 866-313-6901

You were smart to choose Wisely

A Wisely prepaid debit card gives you more flexibility and control so you can accomplish your everyday financial goals.

No annual or minimum balance fees,¹² and no overdraft fees.¹

With no monthly minimums, no fees on everyday spending,¹² and no overdraft fees,⁶ Wisely members can do more with their money. Use your Wisely account just for paying bills,² setting aside savings,¹⁰ or earning cash back rewards.³

No credit check needed, and no impact on your credit score.¹³

You don’t have to worry with Wisely. When we verify your identity, we do so without checking your credit or impacting your score in any way. We help you get on your way as a Wisely member, quickly and easily.

Secure transactions and protection from debit card fraud.⁸

We take security seriously so we have safeguards in place like card lock, protection against unauthorized charges,⁸ and travel notifications. Just call us if your card has been lost or stolen, or you notice suspicious activity on your account.

Backed by ADP, the industry leader in payments.

Count on getting paid with Wisely by ADP, wherever your employment path leads. While you may have received your prepaid debit card through your employer, the card is yours to keep - even if you change jobs.⁴

People love Wisely

From easy ways to save, to money management on the go – here’s what our customers are saying.

“I enjoy receiving my pay early so I can pay my bills more easily. I also enjoy having a little cash.”

— EILEEN N.

“[The Wisely app] is easy to use, the savings envelope feature is pretty great, and I like that I can lock my card if anything were to happen.”

— Shaun f.

“Each week I can pay a bill coming due, set aside more in a rainy day or emergency fund, or have the comfort of having the remaining balance on the card to buy fuel, for example.”

— Kathryn m.

Activation: It's easy.

You’re just a few clicks away from card activation and full access to your Wisely member benefits.

Activate Your Card

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. Additional Identification verification is required. ↩
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, Mastercard or Visa product or service, nor does Fifth Third Bank, Pathward, Mastercard or Visa endorse this offer. ↩
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 Wisely Rewards savings envelope within the next calendar month following your completed transaction. 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 log in to myWisely to access the Rewards features for purchases and eGift cards. These optional offers are not Fifth Third Bank, Pathward, Mastercard, or Visa products or services, nor does Fifth Third Bank, Pathward, Mastercard, or Visa endorse these offers. ↩
If you have a Wisely Pay card or Wisely Cash 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. If you have a Wisely Direct card (see back of card), you’re already upgraded. ↩
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. ↩
Because this card is prepaid, you can only spend what is on the card and thus are unable to overdraft. ↩
The number of fee-free ATM transactions may be limited. Please log in to the myWisely app or mywisely.com and see your cardholder agreement and list of all fees for more information. ↩
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. ↩
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.” ↩
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 mobile app or at mywisely.com. ↩
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. ↩
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. ↩
The Wisely card is a prepaid card. The Wisely card is not a credit card and does not build credit. ↩

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.

Activate Wisely

Do more with your money. Activate Wisely.

Wisely member benefits help you get more for your money

Get early direct deposit1 to better manage your money

Avoid hidden fees and minimums5

Protect yourself against debit card fraud8

Earn rewards for all the ways you like to shop

Meet your budgeting and savings goals

Move money when and where you need it

Backed by the company that pays 1 in 6 private sector workers in the U.S.

Trust comes with Wisely. That’s because we’re backed by ADP, the payroll processing company with 70 years of experience helping to ensure people get paid accurately and on time.

Activate your Wisely card to unlock your member benefits

You were smart to choose Wisely

No annual or minimum balance fees,12 and no overdraft fees.1

No credit check needed, and no impact on your credit score.13

Secure transactions and protection from debit card fraud.8

Backed by ADP, the industry leader in payments.

People love Wisely

From easy ways to save, to money management on the go – here’s what our customers are saying.

Activation: It's easy.

Wisely member benefits help you
get more for your money

Get early direct deposit¹ to
better manage your money

Avoid hidden fees and minimums⁵

Protect yourself against debit card fraud⁸

No annual or minimum balance fees,¹² and no overdraft fees.¹

No credit check needed, and no impact on your credit score.¹³

Secure transactions and protection from debit card fraud.⁸