Payactiv

Editor's Review

Payactiv is your go-to financial wellness app, designed to give you access to your hard-earned wages before payday! 🚀 No more waiting – get your money when you need it! Payactiv helps you avoid late and overdraft fees, manage unexpected expenses, and provides user-friendly digital tools to maintain financial stability. 🏦

With Payactiv, you gain the necessary tools to reach your financial wellness goals and thrive. 💪 No loans, no interest—just your money at your fingertips.💰

Here’s what you can expect with Payactiv:

1. Earlier access to your money:

• Enjoy your paycheck up to 2 days early.1 🗓️
• Receive government payments up to 4 days early.1 💸
• Gain immediate access to earned wages.2 💼

2. Spending and saving tools to achieve your financial goals:

• Always stay informed about what's safe to spend. ✅
• Easily track your spending habits at a glance. 📊
• Receive low balance alerts. 🔔
• Set up automatic transfers from earned wages. ⚙️

3. The Payactiv Visa® Card*: A card designed without hidden fees:

• No minimum balance requirements. 🚫
• No overdrafts. 🚫
• No monthly or inactivity fees. 🚫
• Access surcharge-free withdrawals at 37,000+ MoneyPass® ATMs. 🏧
• Enjoy free integrated bill pay. 🧾
• Withdraw cash at tellers in participating banks. 🏦
• Send and receive funds to other enrolled members with no transfer fees. 🤝

4. Convenience and security you can rely on:

• Seamlessly use the card with Google Pay or Apple Wallet. 📱
• Utilize touchless payments at stores. contactless
• Benefit from Visa's Zero Liability protection.🛡️
• Easily lock or replace lost or stolen cards. 🔒
• Access 24/7/365 support in English and Spanish. 💬

*Central Bank of Kansas City does not administer, nor is liable for earned wage access. The Payactiv Visa Prepaid Card is issued by Central Bank of Kansas City, Member FDIC, pursuant to a license from Visa U.S.A. Inc. Certain fees, terms, and conditions are associated with the approval, maintenance, and use of the Card. You should consult your Cardholder Agreement and the Fee Schedule at payactiv.com/card411. If you have questions regarding the Card or such fees, terms, and conditions, you can contact us toll free at 1 (877) 747-5862, 24 hours a day, 7 days a week.

1 Many (but not all) employers, government benefits providers, and other originators send direct deposits early with an effective date of 1-4 days later. Beginning with your second direct deposit of at least $5 from the same source, the Central Bank of Kansas City (CBKC) will post the funds to your Payactiv Visa Prepaid Card when we receive it, rather than on the effective date. This may result in your having access to the funds sooner. The date CBKC receives your direct deposit and the effective date are controlled by the originator.

2 Earned Wage Access requires employer participation.

3 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 detail.

Features

• Access paycheck up to 2 days early

• Get government payments 4 days early

• Track spending habits easily

• Low balance alerts

• Automatic transfers from earned wages

• No minimum balance requirements

• Free integrated bill pay

• Send/receive funds with no transfer fees

Pros

• Avoid late and overdraft fees

• Tools for financial wellness goals

• No interest or hidden fees

• Surcharge-free ATM withdrawals

• 24/7 support in English and Spanish

Cons

• Earned Wage Access requires employer participation

• Card fees, terms, and conditions apply