Payactiv

Editor's Review

💰💸 Payactiv is your go-to app for accessing your hard-earned wages before payday! Say goodbye to late fees and overdraft charges with our user-friendly digital tools. 🚀

Payactiv gives you the power to maintain financial stability and provides the tools you need to reach your financial wellness goals. 💪 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. 🗓️
• Receive government payments up to 4 days early. 🏦
• Gain immediate access to earned wages. ⌚

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

• Always know 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. 💳
• 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

• Immediate access to earned wages

• Track spending habits at a glance

• Receive low balance alerts

• No minimum balance requirements

• Free integrated bill pay

• 24/7 support in English and Spanish

Pros

• Access wages before payday

• Avoid late and overdraft fees

• Tools for financial stability

• No interest or loans

• Surcharge-free ATM withdrawals

Cons

• Employer participation is required

• Early access depends on employer