myWisely: Mobile Banking
by ADP, Inc
App Store
Finance
Free
4.7
Rating
31,167
Reviews
-
Downloads
15
Views
Description
Download the myWisely app(8) now to start making the most of your money, like getting paid up to 2 days early(1), saving(10) for what you love, and dropping the hidden fees(12). Wisely also moves with you even when you switch jobs(4).
LEAVE HIDDEN FEES BEHIND(12)
No hidden fees(12). No overdraft fees(9) No minimum balance requirements sneaking up on you.
GET PAID UP TO 2 DAYS EARLY(1)
Life doesn’t always wait until payday. With Wisely, you could get access to your pay up to 2 days early(1) at no cost(2) to you.
SHOP AND PAY BILLS(6)
In store, online, in-app(8) or by phone everywhere Visa® Debit cards are accepted or where Debit Mastercard® is accepted.
GROW YOUR SAVINGS(10)
Save at your own pace and make savings automatic(10) so you do not have to think about it.
(1) You must log in to the myWisely app or mywisely.com to opt-in to early direct deposit. Early direct deposit of funds is not guaranteed and is subject to 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. If you have a Wisely Pay or Wisely Cash card (see back of your card), this feature requires an upgrade which may not be available to all cardholders.
(2) 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.
(4) If you have a Wisely Pay or Wisely Cash card (see back of your card), this feature requires an upgrade which may not be available to all cardholders.
(5)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.
(6)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, Visa] product or service, nor does Fifth Third Bank, Pathward or [Mastercard, Visa] endorse this offer.
(7) Ingo Money is operated by Ingo Money, Inc., and all check funding services are provided by First Century Bank, N.A. See complete terms, fees and conditions at: Ingomoney.com/termsconditions.html
(8) Standard message and data rates may apply.
(9) Because this card is prepaid, you can only spend what is on the card and thus are unable to overdraft.
(10) 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.
(12) To view applicable fees, please log in to the myWisely app or mywisely.com to see your card- holder agreement and list of all fees for more information.
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.
ADP, the ADP logo, Wisely, myWisely, and the Wisely logo are registered trademarks of ADP, Inc. Copyright © 2022 ADP, Inc. All rights reserved.
LEAVE HIDDEN FEES BEHIND(12)
No hidden fees(12). No overdraft fees(9) No minimum balance requirements sneaking up on you.
GET PAID UP TO 2 DAYS EARLY(1)
Life doesn’t always wait until payday. With Wisely, you could get access to your pay up to 2 days early(1) at no cost(2) to you.
SHOP AND PAY BILLS(6)
In store, online, in-app(8) or by phone everywhere Visa® Debit cards are accepted or where Debit Mastercard® is accepted.
GROW YOUR SAVINGS(10)
Save at your own pace and make savings automatic(10) so you do not have to think about it.
(1) You must log in to the myWisely app or mywisely.com to opt-in to early direct deposit. Early direct deposit of funds is not guaranteed and is subject to 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. If you have a Wisely Pay or Wisely Cash card (see back of your card), this feature requires an upgrade which may not be available to all cardholders.
(2) 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.
(4) If you have a Wisely Pay or Wisely Cash card (see back of your card), this feature requires an upgrade which may not be available to all cardholders.
(5)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.
(6)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, Visa] product or service, nor does Fifth Third Bank, Pathward or [Mastercard, Visa] endorse this offer.
(7) Ingo Money is operated by Ingo Money, Inc., and all check funding services are provided by First Century Bank, N.A. See complete terms, fees and conditions at: Ingomoney.com/termsconditions.html
(8) Standard message and data rates may apply.
(9) Because this card is prepaid, you can only spend what is on the card and thus are unable to overdraft.
(10) 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.
(12) To view applicable fees, please log in to the myWisely app or mywisely.com to see your card- holder agreement and list of all fees for more information.
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.
ADP, the ADP logo, Wisely, myWisely, and the Wisely logo are registered trademarks of ADP, Inc. Copyright © 2022 ADP, Inc. All rights reserved.
Expert Review & Analysis
## myWisely: Mobile Banking App Review
1. What the App Does:
myWisely is a mobile banking application designed to provide users with convenient and fee-friendly financial management tools. Its primary purpose is to offer a prepaid debit card account with features focused on early access to paychecks, savings options, and bill payment capabilities. The app acts as the central hub for managing the account, including viewing balances, transferring funds, and accessing various financial services.
2. Key Features:
* Early Direct Deposit: A significant advantage is the potential to access your paycheck up to two days early. This feature can be crucial for managing unexpected expenses or bridging the gap between pay periods. However, it's crucial to note that this is not guaranteed and depends on the employer's payment process.
* Fee-Free Structure: myWisely emphasizes its lack of hidden fees, overdraft fees, and minimum balance requirements, a major selling point for users concerned about banking charges. However, the disclaimer notes that while some features are fee-free, other transaction fees and costs may apply, necessitating a careful review of the cardholder agreement.
* Savings Feature: The app offers a savings feature allowing users to set savings goals and automate transfers. This can be beneficial for building savings habits and achieving financial objectives.
* Bill Payment & Shopping: Users can utilize their Wisely card for in-store, online, and in-app purchases wherever Visa or Mastercard debit cards are accepted. The app also integrates bill payment functionality, adding convenience to managing expenses.
* Account Portability: The app highlights its ability to remain functional even if the user changes jobs, though this might require an upgrade depending on the card type.
3. Use Cases:
myWisely is particularly useful for:
* Individuals with irregular income: The early direct deposit feature can help manage cash flow fluctuations.
* Budget-conscious individuals: The lack of hidden fees and minimum balance requirements can save money.
* Those seeking simple savings tools: The automated savings feature simplifies building emergency funds or saving for specific goals.
* People needing a readily accessible debit card: The app's functionality works across various payment systems.
4. Target Audience:
The ideal user is someone who values convenience, fee transparency, and straightforward financial management tools. This could include:
* Gig workers and freelancers: Those with inconsistent pay schedules benefit from early access to funds.
* Young adults or students: The fee-free structure and easy-to-use interface appeal to those new to managing finances.
* Individuals seeking a secondary banking account: myWisely can serve as a supplementary account for managing specific expenses or savings goals.
5. Overall Assessment:
myWisely presents a compelling proposition with its focus on early pay access and fee transparency. The 4.7-star rating on the App Store suggests a generally positive user experience. However, potential users must carefully review the terms and conditions, paying close attention to any potential fees associated with transactions or specific features. The clarity and accessibility of this information within the app itself will significantly impact the overall user satisfaction. While the app offers considerable advantages, the need to constantly refer to the cardholder agreement for fee details slightly diminishes its user-friendliness. Despite this, myWisely remains a potentially valuable tool for individuals seeking a simple, low-cost banking solution with convenient early pay access.
1. What the App Does:
myWisely is a mobile banking application designed to provide users with convenient and fee-friendly financial management tools. Its primary purpose is to offer a prepaid debit card account with features focused on early access to paychecks, savings options, and bill payment capabilities. The app acts as the central hub for managing the account, including viewing balances, transferring funds, and accessing various financial services.
2. Key Features:
* Early Direct Deposit: A significant advantage is the potential to access your paycheck up to two days early. This feature can be crucial for managing unexpected expenses or bridging the gap between pay periods. However, it's crucial to note that this is not guaranteed and depends on the employer's payment process.
* Fee-Free Structure: myWisely emphasizes its lack of hidden fees, overdraft fees, and minimum balance requirements, a major selling point for users concerned about banking charges. However, the disclaimer notes that while some features are fee-free, other transaction fees and costs may apply, necessitating a careful review of the cardholder agreement.
* Savings Feature: The app offers a savings feature allowing users to set savings goals and automate transfers. This can be beneficial for building savings habits and achieving financial objectives.
* Bill Payment & Shopping: Users can utilize their Wisely card for in-store, online, and in-app purchases wherever Visa or Mastercard debit cards are accepted. The app also integrates bill payment functionality, adding convenience to managing expenses.
* Account Portability: The app highlights its ability to remain functional even if the user changes jobs, though this might require an upgrade depending on the card type.
3. Use Cases:
myWisely is particularly useful for:
* Individuals with irregular income: The early direct deposit feature can help manage cash flow fluctuations.
* Budget-conscious individuals: The lack of hidden fees and minimum balance requirements can save money.
* Those seeking simple savings tools: The automated savings feature simplifies building emergency funds or saving for specific goals.
* People needing a readily accessible debit card: The app's functionality works across various payment systems.
4. Target Audience:
The ideal user is someone who values convenience, fee transparency, and straightforward financial management tools. This could include:
* Gig workers and freelancers: Those with inconsistent pay schedules benefit from early access to funds.
* Young adults or students: The fee-free structure and easy-to-use interface appeal to those new to managing finances.
* Individuals seeking a secondary banking account: myWisely can serve as a supplementary account for managing specific expenses or savings goals.
5. Overall Assessment:
myWisely presents a compelling proposition with its focus on early pay access and fee transparency. The 4.7-star rating on the App Store suggests a generally positive user experience. However, potential users must carefully review the terms and conditions, paying close attention to any potential fees associated with transactions or specific features. The clarity and accessibility of this information within the app itself will significantly impact the overall user satisfaction. While the app offers considerable advantages, the need to constantly refer to the cardholder agreement for fee details slightly diminishes its user-friendliness. Despite this, myWisely remains a potentially valuable tool for individuals seeking a simple, low-cost banking solution with convenient early pay access.
Screenshots
App Information
Updated
2019-04-23
Content Rating
4+
Contains Ads
No
Developer
ADP, Inc
Price
$0.00
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