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Contact us at support@paywise.me or (256) 255-7286.

© 2023 Pay Wise, LLC. All rights reserved.

The Pay Wise™ Automated Payments Program (the “Pay Wise Payments Program”, “Payments Program” or “Program”) is issued through FinWise Bank, member FDIC and is administered by Hank Payments Corp. (“HANK”, formerly, The Card Collaborative International, LLC). The Program is marketed and distributed on a non-exclusive basis by Pay Wise LLC (“Pay Wise”). FinWise, HANK, and Pay Wise may each be referred to as a “Party”, or collectively as the “Parties”. FinWise, HANK, and Pay Wise may also be referred to collectively as “us” or “we”.

Pay Wise™ virtual prepaid accounts (“Accounts”) are issued through FinWise, member FDIC. Distributor is a limited agent of FinWise and is authorized to market and distribute the Pay Wise™ Program on behalf of FinWise. See the Program Customer Agreement and Terms and Conditions for a complete list of details including the costs, fees, limitations, terms, and conditions associated with the virtual prepaid Account as well as your rights and responsibilities under the Program.

Your funds will be held at or transferred to FinWise, an FDIC-insured institution. While there, your funds are insured up to $250,000 by the FDIC in the event FinWise fails if specific deposit insurance requirements are met. FDIC insurance does not protect your funds in the event of Pay Wise’s failure or from the risk of theft or fraud. Additional information about deposit insurance is available on the FDIC’s website at https://www.fdic.gov/resources/deposit-insurance.

IMPORTANT INFORMATION FOR OPENING A PREPAID ACCOUNT: To help the federal government fight the funding of terrorism and money laundering activities, the USA PATRIOT Act requires us to obtain, verify, and record information that identifies each person who opens a prepaid Account.

WHAT THIS MEANS FOR YOU: When you open a prepaid Account, we will ask for your name, address, date of birth, and your government-issued ID number. We may also ask to see your driver's license or other identifying information. Your prepaid Account cannot be opened or available for use until it is activated and your identity has been verified. If you begin the verification process but are required to provide additional identifying information, the use of your prepaid Account will be subject to certain limitations.

¹ Paying off your loan faster assumes that you enroll in a weekly or bi-weekly payment program which generates extra principal loan payments over the course of the Program instead of 12 traditional monthly loan payments per year, and assumes you remain in the Program until the projected Program loan payoff date. This can result in paying off the loan faster than the original Lender’s maturity date and reducing the total amount of interest which would have been paid through the original Lender’s maturity date. Any savings would be net of all Program fees and expenses, including debit fees and deferred enrollment fees. Please refer to the Program Agreement and Terms and Conditions for a complete list of terms and conditions, fees, and your rights and responsibilities under the Program.