Wisely ® Direct and Wisely ® Pay are not credit cards and do not build credit. Please see your cardholder agreement fee schedule for more information.

The number of fee-free ATM transactions may be limited.

Please review your cardholder agreement and third party terms and conditions (if applicable) to learn how this applies to you. Please allow up to 3 weeks for your pay to be loaded to the card after initial setup of direct deposit to your card.īecause this card is prepaid, you can only spend what is on the card and thus are unable to overdraft. 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. The above information is a reference and not a guarantee of hold length. Some merchants may require different authorization hold times. Why does the pre-authorization hold times differ? It is typically released upon checkout but may last up to a couple of weeks. Hotels may place a hold on your account for your room reservation. If you do not have a sufficient balance on your card to cover the amount, the transaction will be declined. Restaurants may automatically add up to 25% or more to your bill to cover a tip. (Hold times may vary depending on the merchant.) If you pay at the pump, a hold of up to $100 or more may be placed on your card. When using your card at gas stations, it is best to prepay for the exact amount at the cashier. Availability of the pre-authorized money could take up several days to be released into your card balance. The money will be released, and your balance will be adjusted. Certain purchases (hotels, restaurants, car rentals, gas stations, etc.) require pre-authorization and may temporarily hold money from your card balance that would be greater than the actual purchase amount once the purchase is processed.

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