1. Early Direct Deposit: Users can opt-in to receive their pay up to 2 days early at no cost.
2. No Hidden Fees: The app does not charge any hidden fees, overdraft fees, or minimum balance requirements.
3. Job Switching: The app moves with users even when they switch jobs.
4. Fee-Free ATM Transactions: Users may have access to a limited number of fee-free ATM transactions.
5. Bill Pay: Users can pay bills using the bill pay feature powered by Papaya.
6. Check Funding: Users can fund checks using Ingo Money.
7. Shopping and Payment: Users can shop and pay bills in-store, online, in-app, or by phone using their Wisely Pay or Wisely Cash card.
8. Prepaid Card: The Wisely Pay and Wisely Cash cards are prepaid, so users can only spend what is on the card and cannot overdraft.
9. Savings: Users can save at their own pace and make savings automatic using the app's savings feature.
10. No Hidden Fees: Users can view applicable fees by logging into the app or website to see their cardholder agreement and list of all fees.