Money Made Easier 

Any views or opinions represented in this blog are personal and belong solely to each post author and do not represent those of people, institutions or organizations that WiseWage, or the post author, may or may not be associated with in professional or personal capacity, unless explicitly stated.
disabled person with bank account at atm
How To Use a Debit Card
Buying Gas with a Prepaid Debit Card

If you attempt to use a prepaid debit card to buy gas at a pump, your card may be declined and your balance may fall to zero. Here's how to avoid that problem.

Adam Rust
Buying gas at the pump
Retiree Debt
Personal Finance
How to Use Prepaid Debit Cards for Envelope Budgeting

I like the envelope system. It works. But it is cash-only. The prepaid debit cards with sub-accounts maintain its best features but give a person the convenience of digital transactions.

Adam Rust
Person using the envelope budgeting system
Woman paying online with a debit card
Small business owner using direct deposit
Foreign-language banking
Hispanics Still Prefer to Bank in English

Hispanic consumers appreciate it when marketers use some Spanish for their advertising, but when it comes to banking most prefer to conduct business in English.

Adam Rust
Hispanic youth at computer banking
Better Design Equals Better Banking

If we want to improve the financial health of lower-income households, we have to understand the value of product design.

Adam Rust
car repair emergency expense
behavioral savings
Credit card fraud
Bank accounts for the visually impaired

Many visually-impaired people live without a bank account. Several technologies have come to market recently which will enhance the ability of these individuals to manage an account.

Adam Rust
Blind person banking
open debit card online immediately
waiter and restaurant manager working
check cashing store
Mexico City village
unbanked worker with a prepaid debit card
Couple paying overdraft fees
student banking
Why Students Should Use a Mobile Bank Account

Young people prefer to do everything with their phones. That includes using a bank account. They tend to move around a lot as well, so a local network of bank branches holds less appeal. They might live in several places during one year. They will be better off with an account that goes to those places with them. A mobile bank account is the right choice.

Adam Rust
College student banking with her smartphone
woman upset with overdraft fee
How To Use a Debit Card
Pay with a Signature at the Point-of-Sale

Your prepaid debit card says it charges a fee if you pay with a PIN at the point-of-sale. You can elect to avoid that by asking to sign for your swipe.

Adam Rust
Paying at the Point-of-Sale with Signature
man receiving bad phone customer service
Factory worker sad
budget gardening with seeds
The Poor Pay More to Bank

High balance minimums and the fear of overdraft charges convince low-income workers to avoid bank accounts.

Adam Rust
worker paying bank fees
comparing prepaid debit card
Mexican worker
Tax Fraud
refund anticipation loans
Why Are Millions of Filers Paying for a Refund Transfer?

Why would so many people pay for a refund transfer instead of taking out a refund loan, when the latter is free and faster. The answer: millions are being turned down for the "free" tax refund loans.

Adam Rust
Tax Refund Advance problem.
tax preparer refund loan
co-branded prepaid debit cards
Cash In, Cash Out

Did you ever think about how it can cost money to make a deposit even though it can be free to withdraw it?

Adam Rust
ATM costs
construction workers payroll
Personal Finance
Every Day is Payday

Wage advance products may undermine the demand for payday loans.

Adam Rust
uber driver advance
Checking account interchange
h2a farmworker payroll
budget groceries shopper
African-American woman budget shopper
frugal grocery shopping
prepaid cell phone plan
young person banking
check cashing
‍Illinois Governor Approves Increase in Check Cashing Fees

By approving hikes to the cost of cashing checks at currency exchanges, Illinois Governor Bruce Rauner chose to fulfill the wishes of the state's check cashing industry, in spite of pleas for moderation from local consumer advocacy groups.

Adam Rust
Illinois Currency exchanges
How To Use a Debit Card
Mobile Payments: Safer and Smarter

Everyone should adopt mobile payments. These apps do a better job of protecting your account information. Besides, they are a lot of fun to use.

Adam Rust
mobile payment app at the point-of-sale
Personal Finance
Ex-Offenders Need to Have a Bank Account

With a bank account, ex-offenders will have a much easier time managing their money. They can receive their wages from their new job via direct deposit, send child support, and avoid problems associated with carrying too much cash.

Adam Rust
Leaving Prison Re-Entry
paying without a bank account
happy customers spending money
Puerto Rico destroyed road
automatic savings pennies
direct deposit
How to Set Up Direct Deposit

We can instruct you on how to set up direct deposit. We even have the direct deposit forms you will need to give to your employer.

Adam Rust
set up direct deposit
cutting expenses saving money financial literacy