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Frequently asked questions

How it works

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 not a credit card, and there is no credit check. Since it’s a prepaid card, only the available balance can be used.

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

Dayforce Wallet is available to companies that use Ceridian’s flagship platform, Dayforce, for HCM/payroll in Canada or 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

There are two ways to add pay to your Dayforce Card. First, you can use the Dayforce Wallet mobile app to add your available pay to your card as you need it. You don’t have to wait until payday with this option. Second, you may choose to have some, or all, of your pay added to your card each pay period using direct deposit.

Registered users of Dayforce Wallet can easily add their Dayforce Card as an account for direct deposit in Dayforce.

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.
 

Once funds are loaded to your card, you can begin using them (subject to limits; please see the Cardholder Agreement and Fee Schedule.

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.
Yes, because each on-demand pay is a true payday, each on-demand pay will have a corresponding earning statement available in Dayforce.
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 paycheck 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.
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.

Using your card

You can use your card anywhere Mastercard debit cards are accepted. You can use your card to make online and in-store purchases, to pay bills, and to withdraw cash.
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.
 
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

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

The following limits apply to the Dayforce Card:
  • Maximum card balance – $50,000
  • Maximum load per transaction – $20,000
  • Maximum daily spend at point-of sale – $10,000
  • Maximum daily ATM withdrawal – $510
See the Cardholder Agreement and Fee Schedule for additional information.
As part of the registration process, Peoples Trust, the issuing bank of the Dayforce Card and a part of Peoples Bank Group, will perform a “soft inquiry” used for identity validation purposes only. “Peoples Bank Group” will appear on your credit report but this inquiry does not affect a person’s credit score.

If you see a transaction you don’t believe you made, please contact Customer Service immediately at 1-888-999-6824.

No, not at this time.

Transaction and spending history

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.

View your card balance in the Dayforce Wallet app or by calling Customer Service toll-free at 1-888-999-6824.

It is possible to have a negative balance on your card when you’ve use your card at establishments like restaurants, hotels, or other venues where you may add a tip onto a printed receipt. A negative balance means the tip added after the card authorization exceeded the card balance.  

Please ensure you have sufficient funds on the card that include the purchase and tip value before you authorize the charge. If you don’t do this, there is a possibility of a negative balance.
 

Transfer funds

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.

ATMs and access to cash

Yes, you may use your card to withdraw cash at ATMs. There’s no fee when you use THE EXCHANGE® ATMs, offered by FICANEX®, the in-network, surcharge free ATM network for the Dayforce Card. You can locate these ATMs using the locator within the mobile app. You can still use your card out-of-network, but you will be subject to the out-of-network ATM fee as well as any additional fees imposed by the ATM operator or network. Consult the Cardholder Agreement and Fee Schedule for a complete list of fees.
 
THE EXCHANGE® is a registered trademark of Fiserv, Inc., licenced for use in Canada by FICANEX Services Limited Partnership. FICANEX® is a registered trademark of FICANEX Services Limited Partnership.
 
There is an ATM locator in the Dayforce Wallet app, which will help you find the closest fee-free ATM near you.
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.  

Lost or stolen cards and devices

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.

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

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.

Security

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.

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.

We follow strict procedures to ensure that your card account and personal information are protected. For more information regarding your privacy, please view the Privacy Policy.

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.
 
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.
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

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.

The final step in registering for Dayforce Wallet is to confirm your address so that a card can be sent to you.
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.

You’ll typically receive your card in 7-10 business days, however, we have seen some shipping delays due to the pandemic. If you haven’t received your card within 25 days, contact Customer Service at 1-888-999-6824 to report the card lost or stolen and to request a replacement.

Please contact Customer Service at 1-888-999-6824, and they will be able to further assist you.

No, not at this time.

Account changes

You can close your Dayforce Wallet account by calling 1-888-999-6824. Removing the mobile app does not close your account.

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. 

System requirements

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.

More help

All support for Dayforce Wallet, including inquiries related to the Dayforce Card, is provided through dedicated Ceridian support channels. The toll-free number is 1-888-999-6824, and support is available Monday – Saturday, 8 am EST – 6 pm EST.

Got more questions?

Get in touch. 1-888-999-6824

If your employer has activated Dayforce Wallet,
you can download the app now