2M+ workers have saved
$400M+ with Payactiv.
“The best thing that could have happened, as a new employee, is Payactiv.”
IBEX call center agent
Every two weeks half the Americans change their lives to stretch out their paycheck. We pick up shifts, miss out on everyday moments, and sometimes swallow our pride to ask for an advance. With Payactiv, you can have the money you’ve already earned when you need it, manage bills, save, and even find extra shifts at work so your time and money can work better for you.
Manage it all with your employer-sponsored Payactiv account.
Payactiv benefit makes businesses work better for everyone.
Every pay period, you can access a portion of what you’ve already earned, up to 50%, and transfer to your card or bank account, or pick up cash from a Walmart Money Center. The maximum accessible amount is determined by employer settings.
No, as Payactiv is not a lending service, there is no impact on your credit score.
Transfers to the Payactiv Card are instant 24/7/365. Transfers to bank accounts and other debit/prepaid cards are completed within 48hrs. Card transfers can be made instant for $1.99/transaction. Bank transfers made after 12:50 PM EST M-F are processed the next business day.
Funds accessed using Payactiv will show as deductions on your next paycheck.
Payactiv is free to use if you direct deposit your paycheck to the Payactiv card. For everyone else, there’s a program fee of $1 on the day you use bank transfer, card load, cash access, Bill Pay, Uber, or Amazon. It covers all transactions until midnight Pacific Time that day. This fee is capped at $5 per pay period, even if you use Payactiv more than 5 days in a pay period.
Processing Fees: There’s a $1.99 processing fee for cash pickup at Walmart stores and instant deposit to cards other than the Payactiv card.
Free Services: Viewing your accessible balance and using Rx Discounts, Financial Counseling, and Savings features are free to use anytime for all users.
*The Payactiv Visa Prepaid Card is issued by Central Bank of Kansas City, Member FDIC, pursuant to a license from/by Visa U.S.A., Inc. Certain fees, terms, and conditions are associated with the approval, maintenance, and use of the Card. Consult your Cardholder Agreement and the fee schedule. If you have any questions regarding the Card or such fees, terms, and conditions, you can contact us toll free 24/7/365 at 1 (877) 747-5862.
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, 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.
IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW CARD ACCOUNT: To help the government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens a Card Account. What this means for you: When you open a Card Account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see a copy of your driver’s license or other identifying documents.