myWisely: Mobile Banking

Well it's been years since I reviewed before, but I'm back with a somewhat improved score. I lost my automatic replacement card, that's on me, but I requested a new one in December. While waiting for it to arrive the app WILL NOT LOAD the options for adding it to my digital wallet while I waited. The card never arrived so I tried again. The app locked that replacement, but never finished to send a new replacement. Now I did again, new replacement coming...but I STILL can't add to my wallet.

It's ok, just constantly have to confirm through text or email that it's you. And paying at the pump, it takes out at least double what youre pumping and holds it till your charge clears. And a lot of first time purchases declines and texts asking if you made this purchase. I guess it's secure, but the frequency is irritating.

Makes payroll easy, but way too many fees. $7.00 to get money from ATM'S. Fees to add money to card. They may cancel your card if a fraudulent charge is posted to your account, and then make you wait 7-10 days for a new card and access to your payroll funds. Not well thought out, and needs updating. Also many technical issues, and rude, out of the country customer service. Overall it stinks!

Very poor. I used to love the app. But as of late it has been nothing but a pain. The app never loads. Ive updated it and even uninstalled it and still nothing. I'm lucky if the log in page loads. If i manage to get that far im really lucky bc then it just stops working. I can never see my account balance. If i wanna know the balance i have to call the number on the back of my card and thats annoying because of the 5 million steps you have to go through. I miss the older version that worked.

I will not use this app until you make it so it works correctly and is more similar to the ADP app that it is supposed to be replacing.The ADP app is much better. It is more user friendly and the user has many more options of things they can do. I can see the account numbers of the checking account numbers I'm trying to transfer to instead of choosing blindly in the my wisely app. People need to be able to see what they're doing. Also, you can't exit out of the my wisely app. It just locks up.

A lot of issues with customer service. There was a language barrier and unfortunately was hard to understand. One of the representatives was avoiding my issue and decided to "fix" it in another way. Ended up not working even after the "fix" just to quiet me. I wasn't able to withdraw after the fix either. Nothing was fixed technically and all that happened was that I got nowhere. When it comes to withdraws at an ATM.

This has been, hands down, the WORST experience with any bank/card I've ever had. I got this as a check from a company. I set it aside as emergency funds. When I went to use it they had emptied the account without warning. I called, had to get a new card issued & fill out 2 different forms for the charge back. They could not tell me how the breach happened. Finally got the new card, used it ONE time in person and a month later it was used to buy another online gift card. So I have to wait again!

My card was declined but still went into the negatives. It took almost 3 weeks or longer for it to come out the negatives. The purchase did not go through whatsoever. You guys don't even offer overdraft protection or coverage so why was it put into the negatives instead of simply being declined? On top of that it took 3 weeks for them to get my account back to normal. Haven't used Wisley since. I work too hard for my money to be held up.

unable to put money into my savings envelope all of a sudden using the app. Had to go onto my computer and go to wisley ADP site and it worked that way. It worked a week ago. customer service is at least a 90 minute wait. **update** I found that if you want to add money into savings envelope you have to tap outside the amount box after you enter amount. then it will work. this needs to be fixed...

I'm constantly having problems with the record of my transactions disappearing. They will show the day they happen, either paying for something, or recieving payment, but soon they will disappear. They eventually show back up again but sometimes this can take days. The transactions are always correct just the record of the transactions is the problem. Also, their is plenty of other problems with crashes, loading screens that never end, and having to login multiple times.

The app always takes 3+ attempts before it will log in. It just keeps going back to the log in screen without showing any kind of error message. Least reliable app I've ever used, but I have no other option if I want a payday advance through ADP. DO NOT have your paycheck direct deposited. The system went down today and I couldn't access my account at all. I called the customer service number and after I finally convinced the guy to stop pretending to be a recording, he refused to assist me.

The worst prepaid debit card service EVER!! DO NOT PUT YOUR MONEY OR TRUST THESE PEOPLE. No one speaks clear English, they talk in circles, alerts come to your email address saying you have funds but when you go to purchase something it gets declined(happened to me twice)...then you have to wait on the phone for 30 minutes before you talk to an actual person and still have no solution but to wait until they get their system in order.

I can't even login despite having entered and reentered all my info - correctly - several times it claims my account does not exist. I even changed my password several times to no avail. I then called the customer service line, and after going through the automated menu in order to speak to someone about my issue, they dropped my call. I had no idea a company could be so incompetent.

Had a problem with my phone number and email address was some how changed in the app when I could not log in and tried to use the forgot password feature. Only found this out after calling customer service to get signed on and to verify the information. How does that happen? Check your account information to make sure it as it was when you signed up with them.

It's already bad that I was forced to use this app because of my job (wasn't aware of the switch) but now it's not even opening up for me. Also, uninstalling and reinstalling the app does not work. ALSO, I use to be able to order shop online with no issues but now the transaction is a hit or a miss. If I had a choice I wouldn't use the card. I'll try to order something and the payment won't go through but I'll then use my chase debit card and the payment goes through. Very frustrating!

Wisley is honestly a joke. It takes way too long for them to tell you any information. Either they don't know answers to questions or they tell you whatever. And their security makes no sense. You don't get any notification when your card is locked or any type of verification. You have to reach out to them. Such a huge inconvenience when you're trying to purchase things decline but also, the app insinuates your card is working when you check your balance while it's locked.

This card has some good features. I do, however, have one major dislike with this card. The card is suppose to have no overdraft. It is not suppose to let you get a negative balance because you can only spend whats available on your card. NOT TRUE!!!!! My wisely card let a payment (i did not authorize) go through that gave me over $156 negative balance. The charge was still "pending" when my check deposited but still took the money from my account. I tried to get the charge declined but couldnt

Absolutely worst card, wish there was 0 stars option. Can't get cash back at certain grocery stores, hard to find ATMs that don't charge a fee, can't get above a certain amount of cash, though it's my money... there are majorly inconvenient limitations with this card. I will be using direct deposit with cashapp and doing away with this. I can't see why anyone would really want this if they knew how inconvenient it is. Can't even make certain purchases online either. Something smells fishy.

If I could give zero stars, I would. I have tried for three days to check my balance in this app and the app won't even open. It'll come up to the log in screen, allow me to click to enter the password, then it crashes. I have tried to open this app at least twenty times and it has crashed every single time. Updating it made absolutely no difference, either.

Needed to reset passwords but it threw an error on desktop and mobile. I suspect it's a server side issue since the app didnt prompt me with biometric logins. Regardless, I can't trust an app with my money of I can't do something as simple as a password reset. As of right now, I have funds locked and inaccessible due to this. I'm completely removing wisely from my payment structure. Any sort of app downtime in the financial sector is absolutely unacceptable. Stick with an actual bank.