Payactiv vs DailyPay On

With Payactiv, access your hard earned wages before payday, pay bills on time avoiding late and overdraft fees, and handle unexpected expenses with our user-friendly digital tools. Payactiv provides you with the foundation to maintain financial stability and equips you with the necessary tools to help you reach your financial wellness goals and thrive—without payday loans or interest. Just your money at your fingertips. With Payactiv, you can expect: 1. Earlier access to your money: - Enjoy your paycheck up to 2 days early.1 - Receive government payments up to 4 days early.1 - Gain immediate access to earned wages.2 2. Spending and saving tools to achieve your financial goals: - Always stay informed about 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.3 - 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.

‘About DailyPay’ Take control of your financial future. DailyPay gives you access to your earned pay, plus tools to save money and monitor your credit, all in one place. ACCESS YOUR EARNED PAY INSTANTLY Get your hard-earned money as soon as your shift ends. You always have a no-fee* instant transfer option available. TRACK YOUR EARNINGS & CREDIT IN REAL-TIME See your earnings in real-time and monitor your credit score for free. GET YOUR DAILYPAY VISA® PREPAID CARD Spend anywhere Visa is accepted with FDIC-insured protection. Keep your card even when you change jobs. BUILD SMART SAVINGS AUTOMATICALLY Set personalized savings goals and get the tools, expert coaching, and resources to reach them. UNLOCK CURATED OFFERS & CASH BACK¶ Get cash back plus exclusive deals on the everyday essentials you need most, like gas, groceries & insurance.​​​​​​​​​​​​​​ TRUSTED WITH 24/7 SUPPORT Count on award-winning customer support backed by industry-standard security, protecting your money and data. —- Download the app for free and get started in minutes. —- IMPORTANT DETAILS FOR ELIGIBILITY DailyPay is a voluntary employer-provided benefit. Please check with your employer if you have questions about your eligibility. DISCLOSURES The DailyPay Visa® Prepaid Card is issued by The Bancorp Bank, N.A., Member FDIC, pursuant to a license from Visa U.S.A. Inc. and can be used everywhere Visa debit cards are accepted. ¶Cash Back rewards earned on qualifying purchases will generally be transferred to your Card Account within 49 days after the qualifying purchase is settled. If you close your Card Account, any earned Cash Back rewards not yet transferred to your Card Account will be forfeited. See the DailyPay Cash Back Program Terms & Conditions for full details. *On-Demand Pay requires employer participation in DailyPay. On-Demand Pay fees will be waived for any DailyPay transfers made to a DailyPay Card set up with direct deposit. Instant Transfers may not be available to residents in all states. Your funds are FDIC insured through The Bancorp Bank, N.A.; Member FDIC. DailyPay is not FDIC-insured. Deposit insurance coverage only protects against failure of The Bancorp Bank, N.A.