9 Ingo Money is a service provided by Ingo Money, Inc., and First Century Bank, National Association, Member FDIC, subject
to Ingo Money and First Century Bank Terms & Conditions and Privacy Policy. Approval review usually takes 3-5 minutes, but
may take up to one hour. All checks are subject to approval for funding in Ingo Money’s sole discretion. Unapproved checks
will not be loaded to your card. Ingo Money reserves the right to recover funds from bad checks if you knew the check was
bad when you submitted it, if you attempt to cash or deposit it elsewhere after funding, or if you otherwise act illegally or
fraudulently. Fees may apply for loading or use of your card. See your Cardholder Agreement for details. All checks are
subject to approval by Ingo in its sole discretion. Fees and other terms and conditions apply to check load services. Visit
http://ingomoney.com/tc.html for complete details.
10 Nearly 100% of cardholders receive their pay on or before 9am on payday.
11 You may load $20-$500 in cash for a flat rate of $5.95 (subject to card and balance limits), in addition to the amount you wish
to load onto your Wisely card. You should confirm your access to this feature before attempting to load cash to your card.
12 Amounts transferred to your savings envelope will no longer appear in your available balance.
13 You must first pass an additional verification process.
14 There are limits on frequency and amounts of cash withdrawals at Walmart.
15 There is a $25,000 daily over-the-counter teller cash withdrawal limit.
16 Visa’s Zero Liability Policy does not apply to certain commercial card and anonymous prepaid card transactions or
transactions not processed by Visa. Cardholders must use care in protecting their card and notify their issuing financial
institution immediately of any unauthorized use. Contact your issuer for more details. Under MasterCard’s Zero Liability
Policy, your liability for unauthorized transactions on your Card Account is $0.00 if you notify us promptly upon becoming
aware of the loss or theft, and you exercise reasonable care in safeguarding your Card from loss, theft, or unauthorized use.
These provisions limiting your liability do not apply to debit transactions not processed by MasterCard or to unregistered
cards.
The Wisely Pay Mastercard® is issued by Fifth Third Bank N.A., Member FDIC, or MetaBank®, N.A., Member FDIC, pursuant to
license by Mastercard International Incorporated. The Wisely Pay Visa® is issued by Fifth Third Bank N.A., Member FDIC, or
MetaBank®, N.A., Member FDIC, pursuant to a license from Visa U.S.A. Inc.
Masterpass and Mastercard are registered trademarks, and the circles design is a trademark of Mastercard International
Incorporated. Apple, the Apple logo, and Apple Pay are registered trademarks of Apple Inc. App Store is a service mark of Apple
Inc., registered in the U.S. and other countries. Google Pay, Google Play and the Google Play logo are trademarks of Google LLC.
Samsung Pay is a registered trademark of Samsung Electronics Co., Ltd.
Western Union is a registered trademark of Western Union Holdings, Inc. Ingo is a registered trademark of Ingo Money Inc.
MoneyPak is provided by Green Dot Corporation. Green Dot and MoneyPak are registered trademarks of Green Dot Corporation.
Reload @ the Register is a trademark of Green Dot Corporation. Venmo is a registered trademark of PayPal, Inc. MoneyPass is a
registered trademark of Genpass, Inc. Allpoint is a registered trademark of ATM National, LLC. Plastiq is a registered trademark
of Plastiq, Inc.
Wisely, myWisely, and the Wisely logo are registered trademarks of ADP, Inc. ADP and the ADP logo are registered trademarks
of ADP, Inc. All other marks are the property of their respective owners. Copyright © 2020 ADP, Inc. All rights reserved.
Wisely_FAQ_Eng_V2 Rev. Aug 2020