Get your tax refund up to 4 days early.¹

Expecting a tax refund? Get it early via direct deposit² on your Wisely card, and make the most of your money.

Setup is quick and easy

If you have a Wisely Pay card, be sure to upgrade your card⁸ at no cost⁷ to get an early tax refund¹ and other upgrade features.

If you already have an upgraded Wisely Pay card or Wisely Direct card, just log in to get your account and routing numbers.

It’s your tax refund.
Put it to work for you.

Get an early¹ tax refund for better money management.

Pay bills⁴ early and on time

Get ahead of your bills and avoid late fees.

Earn cash back⁵ on your shopping

Earn cash back rewards where you love to shop, dine, and travel.

Save³ for what’s important

Save for what matters, like emergency savings or a vacation.

See what you can do with
your early¹ tax refund.

YOUR TAX REFUND, YOUR WAY

Get Your Tax refund by direct deposit²

4 easy steps to a quick tax refund

If you have a Wisely Pay card, be sure to upgrade your card⁸ (at no cost⁷). If you already have an upgraded Wisely Pay card or a Wisely Direct card, skip to step 2.
Go to the Direct Deposit screen and find your Wisely account number and routing number.
Enter the numbers in the refund section of your tax return.
Select “checking” as your refund type on your tax return.

Tip: Set up account alerts in the myWisely app⁶ so you’ll know when your tax refund has been direct deposited to your card.

Expecting a nice big refund?

Be sure to check your card load limits in advance.

Need to upgrade⁸ your Wisely Pay card to set up direct deposit² of your refund?

If you have a Wisely Pay card, be sure to upgrade your card (at no cost⁷). Log in to the myWisely app⁶ or the website and look for the Upgrade button.

Learn more about upgrade features

Got Wisely Direct or an upgraded Wisely Pay Card?

You’re eligible to get tax refunds via direct deposit². Get started now by accessing your account information.

Faster funding claim is based on a comparison of our policy of making funds available upon receipt of payment instruction versus the typical banking practice of posting funds at settlement. Fraud prevention restrictions may delay availability of funds with or without notice. Early availability of funds requires payor’s support of direct deposit and is subject to the timing of payor’s payment instruction. 4 days faster funding claim is limited to federal government benefit funds. IRS processing times will not be affected. For up-to-date information from the IRS, visit www.irs.gov/refunds. ACH load limits will apply. To view your load limits, click here to view the Limits Table on the myWisely app or mywisely.com.↩
Please allow up to 3 weeks after your initial setup of direct deposit for your pay to start loading to your card. ↩
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. ↩
Additional terms and third-party fees may apply. Please log in to the myWisely app or mywisely.com to see your cardholder agreement and list of all fees for more information. ↩
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. ↩
Standard message and data rates may apply. ↩
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. ↩
If you have a Wisely Pay card (see the 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 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. ↩

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.

Get your tax refund up to 4 days early.1

It’s your tax refund.Put it to work for you.

Pay bills4 early and on time

Earn cash back5 on your shopping

Save3 for what’s important

See what you can do withyour early1 tax refund.