Bank accounts meant to receive direct deposits

Direct Deposit Cards for Any Size Business

We Help You Find the Right Card Solution

Which direct-deposit solution is best for your business?

Type of card

Upfront  set-up time

Time to first deposit

Upfront cost

Employees to serve

Payroll Cards

Distributed by Employer

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 >10

Individual Accounts

Chosen  by  Employees

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Still unsure about which card is best for you?

Schedule a call with us
Stack of Payroll Cards

SOLE Paycard

Best for a business with at least 10 under-banked employees

  • Zero cost to employers
  • No maintenance or set up fee for employees
  • Robust cardholder education program
see details for this productGet SOLE for Your Business
Are you an individual workerm rather than an employer?
View choice of individual cards for workers
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Your 3 steps to let workers use their own card:

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:

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

Pay Envelope Insert

Picture of Material
8" x 11" 2-sided
3-fold flyer English & Spanish
Want more guidance from us ?

Your 4 steps to use 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.
Want more guidance from us ?
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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

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

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.

Request more explanations

Thank you! We will contact you shortly as requested.
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Frequently Asked Employer Questions

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

The payroll card company will include the list of account numbers for each card. 

The routing number refers to the bank. It is the same for all of the cards.

How is a payroll card activated?

It's easy! You break off a card from the set of cards sent to you by the company. 

Immediately, you call to activate it. 

Once you confirm the routing and account number, you can pay them with direct deposit. 

Going from opening the account to setting up payroll takes only a few minutes.

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

Yes. The payroll card companies featured on Wisewage can only provide cards that follow the law.

Fees and services are adjusted to fit within the rules of each state.

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

Yes. They can use their smart phone to deposit their check into their payroll card account for free without having to go to a check casher anymore.

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

No, your payroll card company will not charge any additional fees.

Where do I keep my unused cards?

You should store the set of unused cards in a secure place. 

It is important that unused cards remain in your hands only.

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

The card will continue to work. 

Your employee can take the card to his or her next job.

Additionally, the employee can put other deposits on the account.

Your action to sign up unbanked employees for bank accounts will make a lasting improvement on their finances.