Payroll Pay Card

Cornell offers the Wisely^® Pay Card as an option for employees to receive their pay on payday. A pay card is a good option for people who don’t have a bank account or would like more immediate access to their pay instead of waiting to cash or deposit a physical check.

Benefits of Wisely | Step-by-Step Enrollment Guide | Help and More Information

Benefits of Wisely

Watch this video for an overview: ►Wisely by ADP: Safer than Cash (YouTube).

• Use it anywhere: Use your Wisely card on the phone, online, or in any store that takes Debit Mastercard^® or Visa^® debit cards.
• Digital wallet ready: Add your card to Apple Pay^®, Google Pay™, or Samsung Pay^®.
• Link to apps: Link your card to apps like Venmo^® and PayPal^® to send money or make online purchases.
• Mobile management: The myWisely^® mobile app lets you track spending, pay bills, set savings goals, and manage your account.
• Early pay option: Opt-in to receive pay up to two days early.
• No overdrafts: As a prepaid card, the Wisely card does not allow overdrafts, meaning no overdraft fees.
• Cash access: Withdraw cash from ATMs or participating retailers like Walmart^®.
• FDIC insured: Your funds are insured upon activation.

Step-by-Step Enrollment Guide

1. Enroll online.
   1. Go to Cornell’s Wisely Pay Enrollment page.
   2. Enter your date of birth, SSN, address, email, and phone number.
2. Agree to terms.
   1. ​Review and agree to the privacy policy, cardholder agreement, and list of fees.
3. Create a myWisely® account. A myWisely account and card activation are required to manage your card and access benefits.
   1. Create your account and download the myWisely app from the Apple App Store® or Google Play™.
   2. Manage and use your account even before your physical card arrives.
4. UPDATE WORKDAY!
   1. Add your account and routing information to your Payment Elections in Workday. See our Direct Deposit page for instructions.
   2. Find account and routing information in the myWisely app under Account Settings > Direct Deposit.
   3. Allow up to three weeks for your card to begin receiving your pay.
5. Use your card digitally.
   1. Within one hour of enrollment, you can add your Wisely card to your Digital Wallet using the myWisely app. You may not have an available balance for a few weeks.
6. Activate your physical card.
   1. Your card will arrive in 7–10 business days.
   2. Activate it when it arrives and set up your Personal Identification Number (PIN) in the app or on the website. Select Activate Card and follow the instructions.

Help and More Information

Need Help? See Wisely’s Help Center for detailed support documentation.

Security and Support

• Fraud protection: Includes alerts, security features, and the ability to lock and unlock your card in the app if you lose it.
• Travel notices:
  • Your physical card will work within your home state and border states.
  • If you travel outside of these areas or internationally, set a travel notice in the myWisely app.
  • A travel notice is not required if you use your chip card at point-of-sale or a digital wallet such as Apple Pay, Samsung Pay or Google Pay. You can request a chip card at no cost by contacting customer service. See your Cardholder Agreement for details.
• Customer support: If you can’t find your card or see a problem with a transaction on your card, contact customer service right away. You can use the app or call (866) 313-6901.

Fees and Usage

• Fees:
  • There are no minimum balance, monthly, or yearly maintenance fees.
  • There is no fee for using your card as a debit or credit card for purchases.
  • Some services may incur fees, such as ATM withdrawals outside the network.
  • Full fee details are available in the cardholder agreement.
• Debit transactions:
  • These transactions require a PIN.
  • It’s best to use the card as a debit card only when you want cash back from a merchant.
• Family cards:
  • ​Request up to three cards for your spouse or other family members, who can also download and use the myWisely app. May be subject to age limits.

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