myWisely: Financial Wellness

Name: myWisely: Financial Wellness
Rating: 4.78888 (22348 reviews)

Finance

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myWisely: Financial Wellness

Finance

4.8

22.3K ratings

Age Rating

Seller

ADP, Inc

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User Reviews for myWisely: Financial Wellness

User beware.

I had to use this card for a new job. Money goes in quickly. But my card got hacked no fault to my own as I never got a chance to use it. It’s going on a month now of me not being able to access my money. Called them the day it got hacked. Got hung up out. Messaged them in the app 10+ times. Said they were going to have someone call me back. No one called. Finally after a month of not being able to pay my bills because they locked my account because it got hacked. I spoke to someone on the phone. Now they have to charge me 25$ to expedite my card so it doesn’t take 10 business day to get to my house. This is all no fault of my own. Haven't been able to pay mortgage or any other bills because my account had been hacked and locked. Don’t trust the 21k 5* reviews I stopped sending money to this account and now I got an email saying if I don’t start using this account I’ll be charged fees. I have no access course I can’t use this account. Buyer beware this card/app is not what it seems.

All names taken making, Dec 04, 2021

ADP loses here. Don’t bother

ADP loses here. My employer switched payroll processors from and ADP competitor ( that doesn’t offer an integrated bank option such as Wisely) to ADP. My payroll was formerly being deposited into 2 other banking solutions that are well known and widely advertise ‘get paid two days earlier’ . My employer would process payroll on noon on a Wednesday and I would get the deposit by 4PM - a whole 3 days before my Friday payday. After the switch we got stuck in ADP’s monstrous batch processing cycles and that 3 days shrunk to a solid and barely 2 days before my advertised paydate. I thought going to Wisely would put them on par with their bigger and better competitors in this metric. I didn’t. On to the app itself Wisely doesn’t offer any features and in fact less meaningful features than the other more well known solutions in their space. Don’t waste your time with this app. The reviews regarding customer service here are troubling also. Stick with the better brands here you will thank me.Edit: You have to opt-in to get early direct deposit unlike peer apps in this group in which it’s automatic. Their TOS verbiage about this is far more restrictive concerning the competition. Wisely is hung up on ‘payment instructions ‘ AKA Payment File. I’m telling you that Wisely is an also ran in their arena of similar app and card offerings.

Ddave90, Apr 07, 2021

worst app ever, considering legal action

this is by far the worst banking experience i’ve ever had. i hate to be a karen, but i’ve lost all respect for anyone who works for this company. i lost my card over three weeks ago and ordered a replacement, and i got no tracking information or updates. when i asked an agent after over 2 weeks of waiting they said it was in transit and should be there by the end of the day but 2 days later i still got nothing. another agent then said it should be here today, but it’s past midnight and i still have nothing. my account has been locked since this began, and i have no way of accessing my money. im just thankful i don’t need this card to pay any bills, because then i would have been absolutely screwed. this app made me lose what little faith i had in capitalism left, 0/10 if your boss offers this as a form of payment DO NOT ACCEPT

fwisely, Oct 23, 2021

Talk to your customers

I put in a dispute because someone overcharged me and the lady I talk to misunderstand me. This led to them dis activating my card WITHOUT telling me that they were doing it. I went to go use my card today and it wasn’t working and I had no idea why. We’ll come to find out after messaging like 7 people calling 4 more that I have to get an entirely new card because they can’t reactivate my card. Something needs to change. I was also giving misinformation by one of the agents that if i canceled the dispute that they could unlock my card. I now have to wait 7-10 DAYS or pay $24 to get a new card tm. This is absolutely ridiculous. First, you should notify people if you lock their card, especially because you don’t know that it was them in their account, there could be others that have access to those things. Second, you should make it so people are able to get their cards to work after something like this because I don’t have time to wait for a new card. I am a very busy person and don’t really have time to not be able to use my card. How am I supposed to eat? I don’t carry cash because I get paid through this app and there aren’t any ATMs near me to get it out. This needs to change. I do however really like this card and like that I can save things in labeled envelopes and see how much money I have at any given time. I also like that I can see exactly where I spent my money whenever I would like to.

hails🍿, Apr 20, 2022

High Fees Not in Line with Other Options

If your given one of these cards by your employer you can just give them direct deposit information for your bank account or another card product account (Cogni, acorns, moneylion, Dave, sofi, branch etc) to avoid the high fees of this card. My fees were $88 for 2019, $3 for atm (plus what the atm owner bank charges) most accounts these days have no atm fees or offer reimbursement for a certain amount of fees. This means if you take $20 out of an atm your looking at $6-$7 in fees!!!! They charge you 5% for mobile check deposit (that’s just insane) $1.50 statement fee & weird .51 “foreign transaction fees” (does not mean what it sounds like apparently as I was spending within the USA)..... remember you don’t have to use this, take your money into your control & provide your own routing & account number for your direct deposit, this is a giant rip off !!!!

JustBeingHonest, Aug 12, 2020

I would give 0 stars if it would let me

If you receive this card don’t bother just give your employer your direct deposit information if you have one already trust me! I wanted to transfer 38 dollars to my bank account and it said they’ll charge 2 dollars (pricey but whatever right?) no after I swiped across my screen to confirm… in small text it says “transfer takes 2-3 business days” I contacted a agent on the support button and now I’m waiting for a manger to call me back, so that wasn’t any help. If you’re gonna take 2-3 days to transfer my money then it should say that from the beginning along with the 2 dollar agreement. Cash app doesn’t charge nearly as much and it actually instantly transfers OR you can wave the fee and wait the 2-3 business days like they should. I didn’t ask to use this dumb card and app but here I am because I didn’t provide my direct deposit info.

jxthic, Jul 20, 2021

Terrible customer service

I have been waiting 2 weeks for a secondary card and a replacement card because I lost my card. I het we have to wait 7-10 business days. It has been more then 7-10 business days and I keep getting told to wait, wait, wait. I have no way to access my funds, pay my bills and they want me to pay $35 to get a replacement card expedited to me. WHAT!! i asked to speak to a manager twice and was hung up on both times. I asked to notate my account stating if I do not get my card by the next building day I wanted a card expedited to me free of charge the rep said he would notate the account says “we will se what we can do” I said NO say it will be sent for free since I keep getting told to wait wait wait. He said again he notate the account says “we will se what we can do”. When I asked to speak to a manager I was placed on hold and they hung up on me. Absolutely horrible customer service.

k_liz, Feb 24, 2021

Very bad customer service

I received this card recently and called to activate apple wallet. I had to call six times and they keep on asking trick questions to verify that I’m the actual card holder that are completely stupid. Like which road is closest to where you live, and gave 4 options that I’m unfamiliar with and said I have to pick one. I randomly picked one. Then he said sorry we can’t set it up. Update: I called again within 24 hours to try to activate it again. I was asked another 4 ridiculous questions, like which hospital of the 4 options are closed to the “street name”!!!!! I picked answers randomly and they said congrats it’s activated. It worked once. Then it stopped working. Basically paying with Apple Pay is declined. But using the physical card works! Very very bad service and experience :(

Mais Abdulwahab, Aug 04, 2020

Literally the worst customer service I’ve ever had

Called for the simple task of setting up my Apple Pay, the CSR I was speaking to for whatever reason didn’t like the answer I gave him to one of their security questions and made it to where I needed to speak with a “specialist” unfortunately my called was disconnected (my fault) so I called back and told them I was just on the phone with someone..blah, blah,blah and said I just need to finish up my apple pay stuff with them..I was told that they couldn’t help that I needed to WAIT for someone to call me back sometime today, no time frame...and that they couldn’t help with anything, I then asked to speak with a manager/supervisor about my situation and was again told that THERE WERE NO SUPERVISORS AVAILABLE AND THAT I NEEDED TO WAIT FOR A CALL BACK, the CSR stated that he could place me on hold to wait for one and he said that we were going back and fourth and then proceeded to tell me to have a good day AND ENDED THE CALL WHILE I WAS SPEAKING TO HIM. Called back a third time and spoke with someone and asked to speak with a manager and was placed on hold and the they too ENDED THE PHONE CALL. This is a joke, I have to talk to people on a daily basis for work and would never hang up on a customer. They won’t let me put 0 stars but that’s what they deserveWorst experience ever this company is a joke

mrlbert, Oct 17, 2020

TERRIBLE

I got my last paycheck on one of these horrible cards, I immediately started the transfer after my shift, no later than 12pm i had started it. I called three (3x) now and each person I had spoken to had told me the money would be in my REAL bank account BY today at 8pm (8/4), keep in mind I started this transfer on (7/30). The third time I called the lady told me to watch my profanity or she would drop the call??? I had said the situation was “stupid”. WHICH IT IS. I have bills to pay TOMORROW, they GUARANTEED the money would be in TODAY, they better pay my late fees and get my credit score back up if they are gonna be lying to me on when the money would be in my account. Not to mention in the App they keep ending my chats before they even start. Terrible customer service and a terrible company. You’d be better off with a check.

olivia..111, Aug 05, 2021

Description

Enjoy the convenience of digital banking without the hassles and hidden fees* with Wisely® Pay and Wisely® Direct. Download the myWisely app** so you can take full advantage of everything your account offers. See what makes Wisely so great!

NEW: Wisely Direct cardholders can now enjoy cashback rewards when you use your Wisely card at participating retailers. Just tap “Wisely rewards” in the menu, select “cashback purchases” and opt in. Cashback rewards will appear in your savings envelope in the “future” tab. NO MONTHLY FEES. NO HIDDEN FEES.* NO OVERDRAFT FEES.*** NO MINIMUM BALANCE. GET PAID UP TO 2 DAYS EARLY with direct deposit for your pay^,^^ and other sources of income at no cost to you SHOP AND PAY BILLS in store, online, in-app or by phone everywhere Visa® or Mastercard® is accepted^^^ GROW YOUR SAVINGS Put aside money for rainy days§ and get up to12% cashback added to your savings envelope when you purchase eGift cards in your app. Just select “Wisely rewards” in the main menu to get started. KNOW YOUR BALANCE IS PROTECTED from fraud if the card is lost or stolen — and is FDIC insured§§ WITH THE MYWISELY APP,** YOU’RE THE BOSS: MANAGE YOUR MONEY - Check your balance 24/7 anywhere - Find surcharge-free ATMs near you - Lock and unlock your card any time for added security - Add cash to your card at major retailers - Get money tips TRACK YOUR MONEY - Get real-time transaction and balance alerts* - View your transaction history in real time SAVE YOUR MONEY - Save at your own pace - Make savings automatic so you don’t have to think about it QUESTIONS? Visit mywisely.com. Like us on Facebook and follow us on Instagram at @myWisely for updates and helpful money tips. Disclaimers *Please see the LIST OF ALL FEES for applicable fees. **Standard text message fees and data rates may apply from your carrier. ***You will not have an overdraft fee because your card is prepaid, and you can only spend what is on 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. ^^Upgrade required for Wisely Pay. You must first pass an additional verification process. ^^^Additional terms and third-party fees may apply. § Amounts transferred to your savings envelope will no longer appear in your available balance §§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. See your Cardholder Agreement for details. The Wisely Pay card is issued by Fifth Third Bank N.A ., Member FDIC, or MetaBank®, N.A., Member FDIC. The Wisely Pay Mastercard® is pursuant to a license from Mastercard International. The Wisely Pay Visa® is pursuant to a license from Visa U.S.A. Inc. ADP is a registered ISO of Fifth Third Bank N.A, or MetaBank, N.A. The Wisely Direct card is issued by Fifth Third Bank, N.A. Member FDIC, pursuant to a license by Mastercard International. The Wisely Pay Visa card can be used everywhere Visa debit cards are accepted. The Wisely Pay and Wisely Direct Mastercard can be used everywhere Debit Mastercard is accepted. Visa and the Visa logo are registered trademarks of Visa International Service Association. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated. ADP, the ADP logo, Wisely, myWisely, and the Wisely logo are registered trademarks of ADP, Inc. Copyright © 2020 ADP, Inc. All rights reserved.