We help workers and employers find bank accounts and payroll cards

Make your decision online or schedule a call

FDIC-insured accounts without fees, plus high-yield savings accounts and early direct deposit of pay.

When you sign up for a WiseWage account, you help to build affordable housing

How can we help you save money?

Direct Deposit in a few easy steps

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1: Choose Your Card

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2: Apply

Wisewage will link you to the card application.online or the mobile app.
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3: Activate Your Card

Your card will come with activation instructions - a phone call or via your app.
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4: Set Up Direct Deposit

Give your routing & account information to your payroll or benefits provider.

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Read what businesses say about WiseWage:

Very prompt, and responsive. I was also very impressed with the wide range of options for payroll cards.
Mekisha N., Chicago, IL
Adam was really helpful and quick to respond. It's refreshing to talk to a real person on the phone instead of waiting for a response or being put on hold constantly.
- Charlotte K., Portland, OR
We are a payroll bureau dealing with a lot of restaurants and other industries with unbanked employees. WiseWage and their awesome customer service has stepped in the gap to ensure that our clients never lack direct deposit due to lack of bank accounts for employees.
Felix M., Temecula, CA
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The cost of being unbanked is high for workers

By eliminating check cashing fees, direct deposit could potentially provide you a yearly savings of over $435.* And that could buy you a lot, such as:

The cost of running payroll with paper paychecks is high for businesses

A small business spends several dollars for each paper paycheck - NACHA

Our Mission:

We help workers and small business owners find the best bank accounts.​ At WiseWage, a worker can obtain a safe and low or no-cost bank account regardless of his or her banking history. Accounts on WiseWage never charge overdraft fees or minimum balance fees. We are non-profit-owned, driven by the mission to promote financial security for everyone.​​ All revenues support our non-profit.

Legal statements from the issuers of each card on this page can be found on the full detail page of each card when clicking on the card's picture or the link towards the full details for the corresponding card.