I am somewhat skeptical when they come down to these type of cards and services, but ITS ADP RIGHT? My company uses ADP for our payroll processing and the wisely advertisement is all over our ADP portal and when I noticed that they offered to get paid two days earlier I thought wow this is really a legit service offered. I signed up to see of this is true.. NOT!!! i noticed you have to agree to the terms to get paid early and I DID!!! They say depends on when you company submits payroll... Well i have another card that offers the early pay and i do get laid at least 1 day earlier, but the Wisely i get paid on my actual payday.. So disappointed.. I will be deleting this card and closing the account.. Sad.. Just sad!!! User's recommendation: Do what you promote.