Upgrade Wisely Card Online

More features. More ways
to financial wellness.

Already have
Wisely Pay? There's even more your card can do.

Wisely Pay

Applies to Wisely Pay only, see back of your card to verify program name

Wisely Direct

Applies to Wisely Pay upgraded members or Wisely Direct

Included	Included
Keep your card even if you change employment
No	Yes
Direct deposit tax refunds and government benefits
No	Yes
Add cash at tens of thousands of retail locations
No	Yes
Deposit checks right from your phone
No	Yes
Receive funds from services like Venmo^® and PayPal^®
No	Yes
Transfer funds to other Wisely members almost instantly at no cost with Peer Transfer!
No	Yes
Get paid up to 2 days early
Yes	Yes
Auto-save (or manually transfer) money to Savings Envelopes
Yes	Yes
Earn cash back on gift cards and at participating stores
Yes	Yes
Pay bills right from the myWisely app
Yes	Yes
Get a Wisely card for family members
Yes	Yes
Add card to digital wallets like Apple Pay^® and Samsung Pay^®
Yes	Yes

Yes, upgrade my card

Wisely card comparison
Already have Wisely Pay? There's even more your card can do.	Wisely Pay Applies to Wisely Pay only, see back of your card to verify program name	Wisely Direct or Wisely Pay Upgraded Applies to Wisely Pay upgraded members or Wisely Direct
Keep your card even if you change employment	Not Included with Wisely Pay	Included with Wisely Direct
Direct deposit tax refunds and government benefits	Not Included with Wisely Pay	Included with Wisely Direct
Add cash at tens of thousands of retail locations	Not Included with Wisely Pay	Included with Wisely Direct
Deposit checks right from your phone	Not Included with Wisely Pay	Included with Wisely Direct
Receive funds from services like Venmo^® and PayPal^®	Not Included with Wisely Pay	Included with Wisely Direct
Transfer funds to other Wisely members almost instantly at no cost with Peer Transfer!	Not Included with Wisely Pay	Included with Wisely Direct
Get paid up to 2 days early	Included with Wisely Pay	Included with Wisely Direct
Auto-save (or manually transfer) money to Savings Envelopes	Included with Wisely Pay	Included with Wisely Direct
Earn cash back on gift cards and at participating stores	Included with Wisely Pay	Included with Wisely Direct
Pay bills right from the myWisely app	Included with Wisely Pay	Included with Wisely Direct
Get a Wisely card for family members	Included with Wisely Pay	Included with Wisely Direct
Add card to digital wallets like Apple Pay^® and Samsung Pay^®	Included with Wisely Pay	Included with Wisely Direct
Yes, upgrade my card

Afford yourself every advantage.

Unlock the amazing benefits you deserve.

Yes, upgrade my card

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. 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.
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.
Please allow up to 3 weeks for funds to be loaded to the card after initial setup of direct deposit to your card.
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.
Peer Transfer transactions between enrolled users through Peer Transfer are final and cannot be reversed. A peer transfer recipient must be a primary card member who is actively enrolled in Wisely Peer Transfer before being sent a peer transfer. They cannot receive a peer transfer if they have not opted in. Peer transactions are typically processed within seconds but could take longer due to network timing, receiving bank processes, or other factors. Terms and limits apply. Please log in to the myWisely app or mywisely.com to see your cardholder agreement and transaction limits.
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.
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.
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.
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 or a Mastercard or Visa product or service, nor does Fifth Third Bank, Pathward or a Mastercard or Visa endorse this offer.
Important information for opening a Card account: 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. What this means for you: When you open a Card account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents.

PayPal and Venmo are registered trademarks of PayPal, Inc.

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.

Upgrade your card and give your goals a boost.

More features. More ways to financial wellness.

Already have Wisely Pay? There's even more your card can do.

Wisely Pay

Wisely Direct

Already have Wisely Pay? There's even more your card can do.

Wisely Pay

Wisely Direct or Wisely Pay Upgraded

Afford yourself every advantage.

More features. More ways
to financial wellness.

Already have
Wisely Pay? There's even more your card can do.