Accounts on WiseWage never charge overdraft fees or minimum balance fees

And your funds are FDIC-insured.

Select one of our recommended fee-free bank accounts for individuals

Benefit from our research - save money with one of the choices below
For Those Who Want a Simple, No-Fee Checking Account
  • NO monthly fee or minimum balance fees
  • NO overdraft or NSF fees
  • Deposit checks with your Android or iPhone
  • Unlimited domestic ATM fee reimbursements
  • Optional Savings Account earning 1.3% APY
  • Early Direct Deposit Express
  • Exclusive VISA offers & perks
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Sign up in AppStore, Google Play, or desktop
Varo Bank Account. Fee Free*, the Only Way to Bank
  • NO monthly service or minimum balance fees
  • No Fee Overdraft up to $50 for qualified customers***
  • No foreign transaction fees
  • Fee-free withdrawals at 55,000+ Allpoint ATMs worldwide
  • Option to receive pay up to 2 days early with Direct Deposit for free**
  • Open an optional interest-bearing Savings Account
  • Deposit checks with your iPhone or Android
  • No Fee Overdraft up to $50 for qualified customers
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Signup with iPhone, Android, or desktop

Get Paid Via Direct Deposit

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Receive your pay automatically on payday.

Pay Bills Online

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Enter the payment details online. The card company will mail the check to your biller.

Save for a Rainy Day

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Set aside a little or a lot - be ready for surprises!

Shop Online

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Buy anything on online, from any seller, anywhere, at anytime.

Fraud Protection

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Get relief from charges that you never authorized.
See each cardholder agreement on the provider's site for protection details.

FDIC Insured

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All cards on Wisewage include FDIC insurance of your funds.

How to Add Money to Your Account

Direct Deposit

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When you use direct deposit, your earnings are available quickly and for free.

Paper Checks

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Sign your check, open your bank's app, and take a picture of the check.

Cash

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Load cash onto your account at some surcharge-free ATMs.

From Another Bank

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You can send or receive funds from another bank using your routing and account number.

Print out the Direct Deposit Form

Help your employer set up your direct deposit!

Frequently Asked Questions for Employees

What Bank Accounts Offer Early Access to my Paycheck?

Can I Use Venmo with the Axos Bank Account?

Can I use Venmo with the Varo Bank Account

What Savings Accounts Pay the Highest Interest

Are There Better Bank Account Options than NetSpend or Green Dot cards?

Can I Open a Bank Account if I Owe Money to Another Bank

Can I Open a Bank Account Online Without a Deposit?

Can I Overdraft the Varo Bank Account

How Do I Find the Routing Number for the Axos Essentials Bank Account

How Do I Find the Routing Number For My Varo Bank Account

Is Axos Essentials Checking a Good Bank Account?

How Do I Open a Varo Money Account

Is the Varo Money card a regular bank account or a prepaid debit card?

How Can I Make a Deposit with the Varo Money Account?

Do I have to live in the United States to get an Axos bank account?

Can I apply for a Varo Bank Account or an Axos Bank Account if I don't have a Social Security number?

If I have a social security number, must I give it to the bank during my account application?

Will a bank disclose my social security number to the government?

Why Does WiseWage offer FDIC-insured fee-free debit cards?

If cards on WiseWage do not have overdraft fees, what happens if I attempt to spend more than I have?

What is a Routing Number?

Once I Deposit a Paper Check, How Soon Can I Use the Funds?

Can I have my government benefits paid by direct deposit to my card account?

Can I direct deposit my pay to more than one card account?

Is the Axos Essentials checking account FDIC-insured?

How soon will my funds be available with direct deposit?

Can I Get an Axos bank account with bad credit?

How Do I Deposit my Paycheck or Benefits?

Advantages of the Axos Essentials Account

Akimbo

Axos Essentials

Empower

Picture of the Direct deposit form for Empower Card

Varo

Waleteros