Frequently asked questions

How it works

Dayforce Wallet is a program provided by Ceridian that allows employers to offer their employees new ways to access their pay, including on-demand. When employers offer on-demand pay*, employees can access their pay as soon as it is earned, without waiting for their standard payday.

Participating employees may access their pay through a Dayforce Prepaid Mastercard®, which is easily managed through the free Dayforce Wallet mobile app1. Signing up for the Dayforce Card does not impact credit scores, as the Dayforce Card is not a credit card and there is no credit check. Since it’s a prepaid card, only the available balance can be used.

Once funds have been loaded to the Card, it can be used for purchases everywhere Debit Mastercard is accepted, to pay bills, to withdraw cash at ATMs, and to get “cash back” at retail stores during PIN purchase transactions. The mobile app can also be used to transfer funds.

Dayforce Wallet includes a free mobile app to help manage the Dayforce Card. Available for Apple and Android devices, the app provides users the ability to see their real-time card balance and transaction history, as well as the ability to locate ATMs and transfer money to other accounts.

Currently, Dayforce Wallet is available to companies that use Ceridian’s flagship platform, Dayforce, for HCM/payroll in the United States. Not all Dayforce customers have signed up for Dayforce Wallet, so ask your employer if you’re not sure.

Most registered users will have the ability to view their Dayforce Card account information in the mobile app once they complete their registration.* Once the card account details are available, users can then begin using their card as soon as funds are added. The card account details can be used to make purchases online or to add the Dayforce Card to a mobile wallet for purchases in person.

* Card account details are not available in the mobile app to employees based in New York or for instant issue cardholders.

Card account details can be found by clicking on the card image on the home page of the Dayforce Wallet app or within the account section of the app.

Yes, the Dayforce Card can be added to Apple Pay, Google Pay, and Samsung Pay.

Yes, you may use the 16-digit Dayforce Card number printed on your card to pay bills that can otherwise be paid via a credit or debit transaction.

The Dayforce Card can be used to set up recurring monthly payments for bills that can otherwise be paid via credit or debit card. Use the 16-digit card number to set up recurring bills.

Employees have the option to upgrade their Dayforce Card, which unlocks additional features, including the ability to add cash to your Dayforce Card at thousands of GreenDot© Reload @ the RegisterTM locations like 7-Eleven, CVS Pharmacy, Walgreens, and Walmart.

** Service fee up to $4.95 applies. Subject to cardholder load limits.

The account number and routing number of your Dayforce Card account can be found within the Account tab under the “Banking” section. These numbers are only visible once you upgrade your card within the Dayforce Wallet app and have passed the additional verification requirements.

Generally, yes, but be sure to check with the merchant before your transaction, as not all retailers accept multiple pay 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. If your card is declined, ask if you can use your card first, then pay the difference with cash or another payment method.

Add pay to Dayforce Wallet

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 paycheck 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.

It helps to understand a bit about the direct deposit process. Direct deposits typically have both an initiation date—the date the transaction is initiated—and a separate, later effective date—the date the payment or deposit is intended to post to the receiving account.

Many, but not all, employers, government benefits providers, and other originators initiate direct deposits early, while scheduling the transaction’s effective date from one to four days later. With the Dayforce Card, beginning with your second direct deposit of at least $5 from the same source, Central Bank of Kansas City (CBKC), the issuer of the Dayforce Prepaid Mastercard, will post the funds to your Dayforce Card when they receive the funds, rather than on the effective date of the deposit. This may result in you having access to these funds earlier. The date CBKC receives your direct deposit and the effective date are controlled by the originator, in this case, your employer.

You might get your direct deposit two days early, one day early, or on your regularly scheduled payday. For example, banking holidays, the time of the day that transactions are initiated, and time zone differences can all affect the time between a payment being initiative and bank receiving the funds.

If you don't receive your direct deposit early, it should arrive on your regularly scheduled payday.

You will need to register for Dayforce Wallet and have direct deposit set up for your Dayforce Card. After that, there is nothing additional to do and there are no fees for direct deposit.

Once funds are loaded to your card, you can begin using it. (Subject to transaction fees and limits; please see the Cardholder Agreement).

On-demand pay*

From the main page, select “Add Pay to Card” and select the amount of available pay you would like to add to your Dayforce Card. You cannot undo this action, and this amount will be deducted from your normal pay, so proceed with caution.
Yes, the maximum that can be loaded to the Dayforce Card per day is $10,000. Your employer may also impose additional limits.
Yes, each time funds are withdrawn, the proper amount of taxes, benefits, garnishments, and other deductions are withheld. The amounts are visible in your earnings statements on Dayforce.
Yes, each on-demand pay will have a corresponding earning statement available in Dayforce.
Within a pay period, the amount of money you have requested as on-demand payments is reduced from your normal paycheck. 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 company, you will no longer be able to receive pay on your Dayforce Card, but you will still have access to any remaining funds as shown in your card balance.

Cash back rewards

Dayforce Wallet Rewards gives you cash back from thousands of brands, including local businesses and online stores. The brands provide a cash back offer for each purchase. There are no coupons to clip, no code to show the cashier, and no promo codes to keep track of. Just receive cash back when you use the Dayforce Card to make qualifying purchases at participating merchants.
Earning cash back is easy and automatic. Just make qualified purchases at participating merchants.

You can see all the current offers available to you at any time in the rewards section of the Dayforce Wallet app.
 
Cash back offers are found in the Dayforce Wallet app and will earn you cash back when you pay with your Dayforce Card.

Online Offers must be completed through the app. To earn cash back, open the offer, and tap the "Shop" button. You'll be redirected to the merchant's app or website, where you must complete the purchase with your Dayforce Card to be eligible for cash back.

Every offer is different, and if you want to earn cash back for an online purchase, you’ll want to double-check the offer details to be sure it includes cash back. Clicking on an offer will give you more information, and by scrolling down to the More Info & Fine Print section, you'll see any limitations exclusions, or restrictions the merchant may have as part of their offer.

You can also earn cash back at local businesses in your area. They will appear in your app when that business location is participating in a cash back offer. Simply visit the local merchant you found listed in the app at the specific street address, pay for your purchase with your Dayforce Card, and you will receive cash back after you have made your purchase.
Each merchant is different, and the cash back percentage you earn will be shown next to the offer and within the offer details. Make sure to check the offer details for any limits, exclusions, or restrictions the merchant may have as part of their offer. 
Merchants may target their offers to our user base; this means that the offers you see may come or go depending on the offer the merchant wants to promote. To see what offers are currently available to you, always make sure to check the Dayforce Wallet app. Offers change regularly.
A pending purchase will display as an estimated amount of cash back you will earn in your account summary; the amount is not final until the purchase transaction is settled. Once the transaction is completed, earned cash back will be applied to your Dayforce Card account. Transactions typically complete within 1-5 days but can take up to 90 days depending on the merchant.
If you have questions about your cash back rewards, please reach out to our support team at 1-877-723-7434.

Card management and fees

There are no balance minimums, monthly fees, or fees to add your available pay to the Card. Additionally, there are no fees to make purchases, receive cash back during PIN purchases, withdraw cash at MoneyPass® ATMs, or transfer money to other financial institutions. Consult the Fee Schedule for a complete list of fees that do apply.

If you see a transaction you don’t believe you made, please contact Customer Service immediately at 1-877-723-7434.

No, not at this time.

Transaction and spending history

Transactions can be viewed in the Dayforce Wallet app, categorized by different types such as 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 1-877-723-7434.

Transfer funds

Yes, employees can transfer funds to a bank account. However, one of the benefits of Dayforce Wallet is that it is designed to help employees manage their finances all in one place, with features that keep you in control of your money.

An ACH transfer is free, although limits do apply.

To use the ACH transfer, you must first validate bank information. Once this is complete, it is simple and easy to transfer funds from your card to a bank account using the bank’s routing and account number, such as you’d find on a check. The funds are sent to the bank and typically received in one to three business days.

ATMs and access to cash

There is an ATM locator in the Dayforce Wallet app, which will help you find the closest MoneyPass® ATM near you. You can also use the ATM locator here.

You will be required to set a PIN when you activate your card. If you receive an instant issue card, you will receive a default PIN. Contact Customer Service at 1-877-723-7434 to change your PIN.

No, MoneyPass is the in-network, surcharge-free ATM network for the Dayforce Card. 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 Fee Schedule for a complete list of fees that apply.

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

Please notify us immediately of the loss, theft, or unauthorized use of your Dayforce Card. Call Customer Service at 1-877-723-7434, 24 hours a day.

You must be logged in to the Dayforce Wallet app to request your earned pay. To ensure no unauthorized users can gain access to your app, we recommend you double-check your device’s security settings.

You are allowed one free replacement card during each calendar year.  You will be charged a $5 Card Replacement Fee if you request a replacement card prior to expiration and you have already requested and receive one free replacement card in the same calendar year. Expedited shipping of your replacement card is available upon request at an additional cost of $25.

Travel with the Dayforce Card

If you choose to upgrade your card, it may be used outside the U.S. for purchases and ATM withdrawals. International Transaction Fees, International ATM Withdrawal Fees, and International ATM Decline Fees apply. See the 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 from risk of loss or theft and, upon becoming aware of such loss or theft, promptly report such loss or theft by calling Customer Service. See your Cardholder Agreement for complete details.

The Dayforce Card is issued by Central Bank of Kansas City, Member FDIC.

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.

Register for Dayforce Wallet

You can register for Dayforce Wallet within the Dayforce Wallet mobile app by following the registration and card activation steps. Registration requires a valid email address, phone number, and a Dayforce account.

If you wish to upgrade your Dayforce Card and take advantage of advanced features, U.S. federal law requires that we further verify your identity. We will ask for 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.

You’ll receive your card in 7-10 business days. If you don’t receive your card by then, contact Customer Service at 1-877-723-7434, and they will be happy to assist you.

Please contact Customer Service at 1-877-723-7434, and they will be able to further assist you.

No, not at this time.

Please contact Customer Service at 1-877-723-7434, and they will be able to further assist you.

Account changes

You can close your Dayforce Wallet account by calling 1-877-723-7434. Removing the app does not close your account.

Please contact Customer Service at 1-877-723-7434 to make applicable updates.

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

For Dayforce Wallet customers in the United States

1-877-723-7434

Hours for support:

  1. Dayforce Card support: 24 hours per day, 7 days a week

  2. Dayforce Wallet account or mobile app support: Monday - Friday, 8 AM - 10 PM EST


For Dayforce Wallet customers in Canada

1-888-999-6824

Hours for support:

  1. Dayforce Card support: Monday - Saturday, 8 AM - 6 PM EST

  2. Dayforce Wallet account or mobile app support: Monday - Friday, 8 AM - 10 PM EST

Advanced card features

If you choose to upgrade to the advanced features, you get all the same features of the Dayforce Card, plus the ability to funds from other sources, including cash, other accounts or pay from other employers. You can also use your card internationally to make purchases or ATM withdrawals. International Transactions Fees, International ATM Fees, and International ATM Decline Fees apply. See the Fee Schedule for complete details.

The choice to upgrade your card is entirely up to you. You can upgrade your card within the Dayforce Wallet app. You will need to verify some additional information to take advantage of these features as required by federal law. We will ask for 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.

Got more questions?

Get in touch. 1-877-723-7434

Download the Dayforce Wallet app now