Dayforce Wallet supports employee financial wellness by allowing employers the ability to offer their employees easy access to their pay using a mobile app and their Dayforce Prepaid Mastercard®. The Dayforce Card can be used to make purchases, pay bills, and withdraw cash, all without needing a traditional bank account.
One of the biggest benefits of using Dayforce Wallet is the ability to access pay on-demand, as soon as it’s earned and at no cost.* Employees may also choose to have all or some of their pay added to their Dayforce Card each pay period using direct deposit.
Signing up for the Dayforce Card does not impact credit scores, as it is not a credit card, and there is no credit check. Since it’s a prepaid card, only the available balance can be used.
What is the Dayforce Wallet app?
Dayforce Wallet includes a free, easy to use, mobile app to help you access your pay on demand and manage your card.† Available for Apple and Android devices, the app offers you the ability to view your card balance, available pay, and transaction history, as well as a way to locate in-network ATMs and transfer money to other accounts.
On-demand pay requests are made using the Dayforce Wallet mobile app. When an employee makes an on-demand pay request, funds are added to their Dayforce Wallet account and are accessible using their Dayforce Card.
Who can use Dayforce Wallet?
Dayforce Wallet is available to companies that use Ceridian’s flagship platform, Dayforce, for HCM/payroll in Canada and the United States. Not all Dayforce customers have signed up for Dayforce Wallet, so ask your employer if you’re not sure. You must be 18 years or older to register for Dayforce Wallet.
Adding pay to your card
How is pay added to my Dayforce Card?
You can add your pay to your Dayforce Card in one of two ways:
1. Many employers offer their employees on-demand pay, which means you can add your available pay to your card at any time, without having to wait until your standard payday. Not all companies using Dayforce Wallet offer on-demand pay, so ask your employer if you’re not sure. More information about on-demand pay can be found below.
2. You can also have your pay automatically deposited to your Dayforce Card each pay period by setting your card account up for direct deposit. You can have some or all of your paycheque added to your Dayforce Card even if you also use the on-demand pay feature. Click here to learn more about setting up direct deposit to your Dayforce Card.
How is available pay calculated?
Available pay is the net amount of your wages available to you. This number will grow larger as you complete shifts, and it clears out after your employer issues your paycheque.
How do I make an on-demand pay request?
In the Dayforce Wallet mobile app, select “Add Pay to Card” and choose the amount of available pay you would like to add to your card. You cannot undo this action, and this amount will be paid to you immediately and not at the regularly scheduled pay cycle, so proceed with caution.
How quickly can I access funds on my Dayforce Card?
Are taxes and other source deductions withheld from my on-demand pay in Dayforce Wallet?
Yes, each time funds are withdrawn, Dayforce Wallet automatically protects or withholds the proper amount of taxes, garnishments, and other source deductions for you based on the transaction amount. The amounts are visible in your earning statements on Dayforce.
Can I receive a detailed earning statement each time I make an on-demand pay request in Dayforce Wallet?
Yes, because each on-demand pay is a true payday, each on-demand pay will have a corresponding earning statement available in Dayforce.
What happens to my normal paycheque when I have made an on-demand pay request?
Since an on-demand pay request is an actual payday, the hours used to calculate the on-demand payment are not used in future payments. Your normal paycheque will only reflect wages you have not already been paid. The earning statement will reflect each on-demand pay distribution separately, as well as a total with the applicable earnings, deductions, and total amount distributed.
Using your card
How can I use my Dayforce Card?
You can use your card anywhere Mastercard is accepted. You can use your card to make online and in-store purchases, to pay bills, and to withdraw cash.
Where can I find my Dayforce Card information in the app?
Card account details can be found by clicking on the Home page of the Dayforce Wallet app or within the Account section of the app.
Can I use my card to pay a bill or recurring monthly bills?
Yes, you may use the 16-digit Dayforce Card number printed on your card to pay any bills that can be paid via a debit card.
Can I add my Dayforce Card to mobile wallet applications?
If my balance is not enough for a purchase, am I able to use the balance toward a portion of the purchase?
Generally, yes, but be sure to check with the merchant before your transaction, as not all retailers accept multiple payment methods. If your purchase costs more than the balance on your card, most merchants allow you to simply pay the difference with cash or another payment method.
Card management and fees
What does it cost? Are there any fees?
There are no balance minimums, monthly fees, or fees to add your available pay to your card.‡ Consult the Cardholder Agreement and Fee Schedule for a complete list of fees that do apply
How do I dispute a transaction on my account?
If you see a transaction you don’t believe you made, please contact Customer Service immediately at 1-888-999-6824.
Where can I find the terms and conditions, cardholder agreement, and other important documentation about Dayforce Wallet and the Dayforce Card?
You can find all documents in the Dayforce Wallet mobile app and by using these links:
Transactions can be viewed in the Dayforce Wallet app, categorized by on-demand payments, spending, withdrawals, and transfers. One year of history is available in the app. Call Customer Service to request 24 months of written transaction history.
How do I check my card balance?
View your card balance in the Dayforce Wallet app or by calling Customer Service toll-free at 1-888-999-6824.
Can employees transfer funds from Dayforce Wallet to another bank account? Are there any fees?
Yes, employees can transfer funds to an external bank account using the Dayforce Wallet mobile app. However, one of the benefits of Dayforce Wallet is that it is designed to help employees manage their pay and expenses all in one place. There are no fees to transfer funds to another account.
How do I transfer money to another bank account? Are there any fees?
To transfer money to another bank account using the Dayforce Wallet app, you must first follow the steps to validate the external bank account information. Once this is complete, follow the steps in the app to make a transfer to that bank account. The funds are sent to the bank and typically received in one to three business days, and there are no fees to transfer funds to another account, although limits do apply.
ATMs and access to cash
Is there a fee to withdraw cash at Allpoint ATMs and/or MoneyPass® ATMs?
No, Allpoint Mine Network and MoneyPass (minus 7-Eleven) are the in-network, surcharge-free ATM networks for the Dayforce Wallet Card. You can still use your card out-of-network, but you will be subject to the out-of-network ATM withdrawal fee as well as any additional fees imposed by the ATM operator or network.
How do I find an in-network ATM to withdraw cash?
There is an ATM locator in the Dayforce Wallet app, which will help you find the closest fee-free ATM near you. To navigate to this feature in the App, go to your Account. Scroll down to the Help section, click on Find ATMs Near Me. You can also use the ATM locator here.
Is there a default PIN? Can I change it?
There is a default PIN (Personal Identification Number) assigned to your Dayforce Card. Call Customer Service at 1-888-999-6824 and follow the prompts to retrieve your PIN. You can change your PIN at any in-network ATM, but you need to know your default PIN first to change it. You can find the closest fee-free ATM near you by using the locator here.
Are there limits related to ATM withdrawals?
Yes, you are limited to withdrawing $510 per day. The ATM operator or network may also impose other limitations.
Lost or stolen cards and devices
What if my Dayforce Card is lost or stolen?
Please notify us immediately of the loss, theft, or unauthorized use of your Dayforce Card. Call Customer Service at 1-888-999-6824, Monday – Saturday, 8 am EST – 6 pm EST.
Is there a charge for replacing my Dayforce Card?
There is a $10 Card Replacement Fee if you request a replacement card prior to the expiration date of your card.
I lost my phone. Can someone else request an on-demand payout for me?
You must be logged in to the Dayforce Wallet app to request your earned pay. You should never share your login credentials with anyone. To ensure no unauthorized users can gain access to your app, we recommend you double-check your device’s security settings.
Traveling with your card
Can I use the card for purchases and ATM money withdrawals outside of Canada? What are the associated fees?
The Dayforce Card may be used outside of Canada for purchases and ATM withdrawals. International Transaction Fees, International ATM Withdrawal Fees, and International ATM Decline Fees apply. See the Cardholder Agreement and Fee Schedule for complete details.
How are funds secured?
Access to your Dayforce Card is protected by a unique Personal Identification Number ("PIN") as well as security measures designed to protect you from unauthorized use of your card.
Is there fraud protection on the Dayforce Card?
You will have no liability for transactions that were not authorized by you if you exercise reasonable care in safeguarding your card and Dayforce Wallet log-in credentials from risk of loss or theft and, so long as that upon becoming aware of any loss or theft, you promptly report such loss or theft by calling Customer Service. See your Cardholder Agreement and Fee Schedule for complete details.
How is my personal information protected?
Are funds loaded onto the Dayforce Card CDIC eligible?
Funds loaded onto your Dayforce Prepaid Mastercard are held by Peoples Trust Company (Peoples Trust), the issuer of the card and a member institution of Canada Deposit Insurance Corporation (CDIC), and the funds are considered an eligible deposit. You as a cardholder are recorded as a depositor on Peoples Trust’s records. If a member institution fails, CDIC will reimburse your insured funds for eligible deposits made under the member institution, up to maximum of $100,000 per insured category, per depositor, per CDIC member institution. This means if Peoples Trust closes, CDIC will reimburse your funds on the card, combined with any other eligible deposits you have with Peoples Trust, for up to $100,000 of deposit protection, per insured category, per depositor. For more details about CDIC insurance coverage under Peoples Trust Company, visit: Protecting Your Deposits. Ceridian HCM is not a CDIC member institution.
Who is CDIC?
The Canada Deposit Insurance Corporation (CDIC) is a federal Crown corporation, established by Parliament in 1967, that contributes to the stability of the Canadian financial system by providing deposit insurance against the loss of eligible deposits at member institutions in the event of a member institution failure. CDIC is not a bank. CDIC is not a private insurance company. You do not need to sign up for deposit insurance. Coverage is free and automatic for eligible deposits in any of CDIC member institutions. For further information, visit the CDIC website.
How do I calculate my CDIC coverage?
You can use the CDIC deposit insurance calculator to calculate your coverage and help you understand more about coverage. Follow these steps when using the calculator:
If your CDIC eligible card is in your name only:
Select “In Your Name” as the insured category.
Select “Peoples Trust Company” as the institution you bank with.
Select “Chequing Account” as the type of deposit you have.
Add the value of your balance on your card as deposit value in Canadian Dollars and select “Confirm Deposit”.
If you have any other eligible deposits at Peoples Trust, such as another CDIC eligible card issued by Peoples Trust or you have RRSP, TSFA or other eligible deposits accounts, you should add these insured deposits when using the calculator to determine your complete coverage at Peoples Trust.
The CDIC coverage calculator gives you the option to calculate CDIC eligible deposits for one or multiple CDIC member institutions insurance coverage.
Register and get your card
How do I register for Dayforce Wallet?
You can register for Dayforce Wallet within the Dayforce Wallet mobile app or in Dayforce by following the registration steps. Registration requires a valid email address, phone number, and a Dayforce account.
We will also ask for additional information as required by Canadian law, including 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.
How do I get my Dayforce Card?
The final step in registering for Dayforce Wallet is to confirm your address so that a card can be sent to you.
How do I activate my card?
To activate your card, call Customer Service at 1-888-999-6824 and select the Dayforce Card option for card activation. This number is also listed on the back of your card for easy access anytime. As part of the card activation process, you will retrieve your PIN.
How long does it take to receive the Dayforce Card?
You’ll typically receive your card in 7-10 business days. If you haven’t received your card within 25 days, contact Customer Service at 1-888-999-6824, and they will be happy to assist you.
I haven’t received my card yet, where is it?
Please contact Customer Service at 1-888-999-6824, and they will be able to further assist you.
Can I get additional cards for my family members?
No, not at this time.
How do I reset my password?
If you forgot your password, there are two ways you can create a new one. Follow the steps below in the Dayforce Wallet app:
Tap on the Forgot? button
Enter your account email address and tap Next to continue
If you are asked to choose how to receive a code*:
Select “Email Me”, “Text Me”, or Call Me”
Enter the One Time Passcode sent to the selection you made
Create your new password
If you are asked to enter the code that was sent to your email**:
Enter the code you received
You’ll be asked to answer security questions to verify your identity
Once verified, create your new password
*To use this feature, your device needs to meet the following requirements
Your device needs to be registered with Dayforce Wallet. This can be accomplished by logging in to your account on this device.
You need to have a passcode or biometric login enabled (Face ID/Touch ID on iOS or fingerprint/face recognition on Android).
**If the email you enter is not associated with a Dayforce Wallet app account, you will not receive a code.
How do I enable two-step verification?
To enable two-step verification, go to the Account screen in the Dayforce Wallet app. Under the Security section, tap Two-Step Verification and toggle the Protect my account option to turn it on. The button will turn light pink/purple.
Doing so prompts periodic two-step verification to verify your identity and login credentials, including when using a new or unrecognized device. You can also choose to have two-step verification occur every time you log in.
How do I close my Dayforce Card account?
You can close your Dayforce Card account by calling 1-888-999-6824. Removing the mobile app does not close your account.
I’ve changed my name/address/phone number or other relevant information. How is this updated in Dayforce Wallet and on my card?
To change your phone number: navigate to the Account screen. In the Personal Information section, tap the mobile number. Click on Change Number. Enter your NEW mobile number and tap Next. A code will be texted to the number created. Enter the code and tap Done.
To change your user ID/name and address, or other relevant information: please contact Customer Service at 1-888-999-6824 to make applicable updates. You may be asked to provide additional information to protect your account.
What happens if I leave or I lose my job?
Upon separation from your employer, you will no longer be able to request or receive on-demand pay from this employer, but you will still have access to any remaining funds on your card. You can continue to add funds to your card, including pay from another employer. If your next employer doesn’t offer Dayforce Wallet, you can still have your direct deposit set up to go to your Dayforce Card. If your next employer does offer Dayforce Wallet, you can link your card to the new employer.
What are the system requirements for the Dayforce Wallet app?
At this time, mobile phones are supported for both Apple (iOS version 13 and higher) and Android (version 6.0 and higher). Tablets will be fully supported in the future; currently, they can be used, but optimal functionality is not guaranteed.
I need more help. How do I reach Dayforce Wallet support?
For Dayforce Wallet customers in Canada
Hours for support:
Dayforce Card support: Monday - Saturday, 8 AM - 6 PM EST
Dayforce Wallet account or mobile app support: Monday - Friday, 8 AM - 10 PM EST