Payactiv Visa® Card

Get the card made for living your best life

Get paid up to 2 days early1, stay on track with budgeting and discounts, and save2 toward your goals.

At Payactiv we are all about eliminating unnecessary fees and getting our users the best value for their hard earned money.

  • 🚫 No overdraft fees—because we’re not a bank3
  • 🚫 No monthly or annual fees
  • 🚫 No minimum balance fees

Approval subject to successful ID verification.

1In order for you to be paid early, your payroll or benefits payment provider must submit the deposit early. Your payment provider may not submit the deposit early each payment period. Be sure to ask when they submit your deposit information to the bank for processing. Early deposit of funds begins upon the 2nd qualifying deposit. A qualifying deposit is defined as a direct deposit greater than $5.00 received from the same payer.

2Goal-based saving is a set-aside account, and you will not receive interest or other earnings on the funds within the goal-based account.

3Banking services provided by Central Bank of Kansas City, Member FDIC.

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Get paid early

Get paid up to 2 days early

Receive your paychecks and government payments sooner on the Payactiv Visa Card*. If your employer offers Payactiv, you can get paid on-demand and even schedule your paydays any day of the week.

  • Set up direct deposit and get your paychecks up to 2 days early
  • Gov’t payments up to 4 days early
  • Get paid on-demand with Earned Wage Access

Get cash when you need it

Stop by one of 37,000+ surcharge-free MoneyPass® ATMs or get cash back at Point of Sale or over-the-counter from a bank teller.

  • Access to one of the largest surcharge-free networks in the nation
  • Conveniently located near you at retailers such as 7-Eleven®
TIMELY ACCESS PAY
Grow your savings automatically

Grow your saving automatically

Start setting money aside from each paycheck for a rainy day or toward your goals. We make saving easy with SmartSave guidance and an exclusive discount marketplace.

  • Automated saving to help you succeed
  • Exclusive discounts for everyday things like gas, movie tickets and more
  • Free 1-on-1 sessions with certified credit coaches

Pay friends and pay bills, fee-free

Splitting the check with friends? Send and receive money from other cardholders, use your card for online or in-store purchases, and pay your bills from the app.

  • Send and receive money from other cardholders fee-free
  • Manage your bills and set up autopay to avoid late fees
  • Use everywhere Visa debit cards are accepted.
Pay friends and pay bills, fee-free
Spend safely with smart guidance

Spend safely with smart guidance

Easily track your spending with SmartSpend budgeting tools, receive real-time alerts, and pay safely with the latest contactless technology.

  • Use SmartSpend budgeting analysis
  • Safe tap-to-pay contactless payments or add card to digital wallets
  • Real-time alerts so you always know what’s happening with your money

Peace of mind - included

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Funds in your Payactiv Visa Card account are FDIC-insured through Central Bank of Kansas City, Member FDIC.
Visa’s Zero
Liability protection
Visa’s Zero
Liability protection5
Lock and replace lost
or stolen cards
Lock and replace lost
or stolen cards
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24/7/365
bilingual support

5Visa’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 us immediately of any unauthorized use. Consult your Cardholder Agreement for more detail.

Your earnings, spending, and saving with you in control

Subject to successful ID verification.

Use the digital card immediately.

Have questions? We have answers.