Accounts on WiseWage never charge overdraft fees or minimum balance fees

And your funds are FDIC-insured.

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.

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

Benefit from our research - save money with one of the choices below
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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Try Varo Money
The most rewarding and intelligent way to bank
  • No fees or minimums
  • No overdraft or NSF fees
  • No foreign transaction fees
  • Fee-free withdrawals at 32,000+ MoneyPass ATMs
  • Optional Savings Account earning 1.90% APY
  • Get 1% cash back on debit card purchases
  • Built-in budgeting for all your accounts
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Try Empower

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

From Another Bank

Card-to-Card Icon
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

Can I Use Venmo with the Empower 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 Empower Bank Account

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

Is Empower a Good Bank Account?

How Do I Open a Varo Money Account

What are the differences between a Varo Money account and an Empower 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 Empower bank account?

Can I apply for a Varo Bank Account or an Empower 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?

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 Empower Bank account FDIC-insured?

How soon will my funds be available with direct deposit?

Can I Get an Empower bank account with bad credit?

How Do I Deposit my Paycheck or Benefits?

Advantages of the Empower Interest Checking Account



Picture of the Direct deposit form for Empower Card