Payactiv | unitQ Score

Smart saving, spending, earning, and discounts—together.

Get paid as you earn with employer participation
Get the wages you’ve earned from hours you’ve already worked directly into your bank account or Payactiv card. Use it to pay bills, get a ride, and pick up cash at Walmart. No loans, no interest–just your money, in your hands.

Banking for real life for everyone
Create a Payactiv account and enjoy faster access to their pay along with the convenience of the Payactiv Visa® Card.1 With top-notch security and spend guidance at your fingertips to start saving immediately, it’s your earnings, spending, and savings with you in control.

Faster access to your money 
•	Up to 2 days early deposit of your paycheck2
•	Up to 4 days early deposit of government payments2
•	Immediate access to wages earned today3 

Easy, free, instant mobile payments 
•	Receive and send funds to other members
•	Send funds by phone number
•	Money is available immediately

SmartSpend and SmartSave to stay on track with your goals
•	Always know what’s safe to spend
•	Track your spending habits at a glance
•	Be alerted of low balance
•	Auto transfer from earned wages3

Grow savings with real-time insights on what’s possible
•	Automated insights on what’s possible to save
•	See your savings grow with each paycheck
•	Get financial advice for near- and long-term plans
•	1-1 phone service with trained financial coaches

Banking without the hidden fees
•	No minimum balance requirements
•	No overdrafts
•	No monthly or inactivity fees
•	Surcharge-free withdrawals at 37,000+ MoneyPass® ATMs
•	Free integrated bill pay
•	Cash withdrawal at tellers in participating banks

Convenience and security, you can count on
•	Use the card with Google Pay or Apple Wallet 
•	Touchless payments at stores
•	FDIC insured
•	Protected by Visa’s Zero Liability protection
•	Lock or replace lost or stolen cards
•	24/7/365 support in English and Spanish

Designed with purpose
•	Made from 98 percent upcycled plastic
•	Uses plastic waste that might otherwise end up in a landfill
•	Comes in 3 color choices


For more information visit www.payactiv.com
-----

1The 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.  You should consult your Cardholder Agreement and the fee schedule at payactiv.com/card411. 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.

2 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.

3 Earned Wage Access requires employer participation.