We help businesses find cards for direct deposit

Bank accounts to help employers pay workers by direct deposit

We work with businesses of all sizes.

Stack of Payroll Cards

Fintwist Payroll Card

Superior Workforce Payment Solutions

Suitable for businesses currently paying 10 or more workers with paper checks.


• No fee to the cardholder for swiping the card as credit at point-of-sale transactions

• No cost Bank Teller withdrawals

• Cardholder can withdrawal cash for free at in-network ATMs.

• Paycards are FDIC insured with fraud protection

Your 4 steps to use direct deposit payroll cards for your business

  1. Sign a service contract with the payroll card provider.
  2. Receive a batch of cards at your business address.
  3. Distribute cards to employees.
  4. Enter their account numbers into your payroll system.
Schedule a call with us
Want more guidance from us ?

Let us show you how a payroll card program can help your business pay workers with direct deposit.

Welcome to frictionless workforce payment. It's this simple.
Fintwist is an efficient and secure digital payment solution that’s easy to implement and to use. Fintwist works with your existing payroll systems – it requires little to no effort and mirrors the direct deposit process you’re already using.
After launch, the solution is flexible, so you can quickly adapt and respond to employee requests. Comdata knows the payroll card business better than anyone, so your digital innovation is driven by the experience of the industry leader.

Info for Workers

The Fintwist payroll card lets you receive your pay by direct deposit. Have immediate access to the money you've earned.

No more waiting in line to cash your paycheck.

  • Unlimited surcharge-free ATMs in the AllPoint network
  • No fee for swiping the card as credit at the point-of-sale.
  • Manage your accout with the FinTwist App
  • Save for the perks you deserve
  • Use online billpay
  • Track your spending, review your transactions, and start budgeting for the things that matter the most.
  • Backed by MasterCard, wherever you go.
  • Coming soon: send money to friends and family.

Info for Employers

Receive a book of cards that you can distribute to your employees.

Eliminate check printing costs and time you spend managing payday, at no cost to your company, so you can focus on your business.

  • Free: no startup costs and no ongoing costs.
  • Robust support: dedicated program success managers walk clients through the implementation process, send steady supplies of marketing collateral and instant issue cards, and provide ongoing support.
  • Implement Fintwist to work seamlessly with existing systems.
  • Help boost workers' financial wellness, which is linked to increased productivity.
Learn more about Fintwist for your company
Take our quiz

Find out how much your business would save if you paid all of your staff by direct deposit:

Which direct deposit card solution is best an employer?

Type of card

Upfront  set-up time

Time to first deposit

Upfront cost

Employees to serve

Payroll Cards

Distributed by Employer

  
 >10

Individual Accounts

Chosen  by  Employees

 

If you only need a handful of direct deposit paycards, consider our individual card options:

Best for a few under-banked employees

  1. Advise your employees to choose their own card here.
  2. Each employee receives her/his card at home.
  3. Ask employees for their card account number and enter them into your payroll system.

Helping your employees self-enroll into their own debit card:

Print and distribute these materials to your employees:

Comparison of WiseWage Bank Account Choices

Picture of Material
8.5" by 11"
Comparison of Varo Money and Axos Debit Card Accounts

Worker Sign Up

Picture of Material
8.5" x 11"
Color flyer (English & Spanish)

How it Works

Picture of Material
8.5" x 11"
Color flyer (English & Spanish)

Direct Deposit Form

Picture of Material
8.5" x 11"
single-page DDA form
Close X

Tell Your Employees About WiseWage

Announce icon

Step 1
Reach out to your staff

Print out and distribute the forms at the bottom of this page, then make an announcement at a staff meeting.
Distribute Materials Icon

Step 2
Distribute Materials

Follow Up Icon

Step 3
Follow up with them

To set up direct deposit, the employer needs the routing number for the bank that issues the debit card and the employee’s account number. You can download our direct deposit form here.
Go To Website Icon

Step 4
Go to WiseWage.org

Employees will get this information when they sign up for their new card or when they receive the card in the mail.
Close X

After Your Employee Has Their New Prepaid Card

Routing and Account Number Icon

Step 1
Routing & Account #

Find out the routing number of the bank and the employee's account number.
Authorize Payment Icon

Step 2
Authorize Payment

Get signed permission from your employee to authorize payment by direct deposit. You can use the form that is included at the bottom of this page. File this for recordkeeping.
Payroll System Icon

Step 3
Add to Payroll System

Enter routing number and account number in to your payroll system
Bank Icon

Step 4
Notify Your Bank

Tell your bank or your payroll service. You may have to sign an agreement with them.
Batch Pay Icon

Step 5
Batch Pay

Batch pay all of your employees in just a few minutes

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Frequently Asked Employer Questions

Do employees get free ATM withdrawals with payroll cards?

Can I apply for a personal bank account with my EIN?

Are funds on a payroll card FDIC-insured?

Where can I find a direct deposit form?

Are there payroll cards without fees?

If I overpay wages to a payroll card, can I recoup the overage?

What are examples of typical fees paid by workers when they use payroll cards?

Are there federal laws that governing the use of payroll cards?

What factors should I look for when choosing a payroll card provider?

Does an employer have to provide a pay stub to employees if it uses a payroll card?

Will funds on a payroll card be subject to garnishment?

How do payroll card companies make money?

What happens if my employee loses his or her payroll card?

How can my employees access wages once they have been deposited to their payroll card?

Can I see how my employees are using their payroll cards?

Who owns the deposits on a payroll card?

Does a worker need good credit to receive a payroll card?

Is a payroll card a prepaid debit card?

How do I know the routing and account number of an employee card?

How is a payroll card activated?

Will these payroll cards comply with the wage & hour laws in my state?

Will a payroll card make a difference for employees who insist on staying with paper checks?

Signing for a payroll card is free to the employer, but are there any recurring fees?

Where do I keep my unused cards?

If my employee leaves the company, what happens to the card?

Take me back to the top

Keep in Mind

Don't mandate that your un-banked workers take up a card. Some may want to open a regular bank account not featured on Wisewage.

Don't impose direct deposit to all unless you know for sure that the Department of Labor of your state allows it.

Don't influence the choice of cards. While you may have your own opinion, let your workers choose whichever card they think is best for them.