Frequently asked questions

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 pay¹, 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 Wallet Mastercard®, which is easily managed through the free Dayforce Wallet app². Signing up for the Dayforce Wallet Card does not impact credit scores, as the Dayforce Wallet Card is not a credit card and there is no credit check required to sign up.  

Once available funds have been loaded to the Card, it can be used to make purchases everywhere Debit Mastercard is accepted, to pay bills, and to withdraw cash at ATMs. The mobile app can also be used to transfer funds. 

¹ Not all employers choose to offer on-demand pay with Dayforce Wallet. Check with your employer to see if this is available to you. Some blackout dates and limitations may apply based on your employer's pay cycle and configurations. GO2bank does not administer and is not responsible for on-demand pay. 

² Message and data rates may apply. 

Dayforce Wallet includes a free mobile app to help manage the Dayforce Wallet Card. Available for iOS 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, Canada and United Kingdom. Not all Dayforce customers have signed up for Dayforce Wallet, so ask your employer if you’re not sure.  

If you are 14-17 years old in the United States, you’ll need parent or legal guardian approval to complete your Dayforce Wallet registration. Follow the steps in the app to request approval, and an electronic document will be sent to your parent or guardian to sign and submit. It’s easy to do, right from the app. 

You can add your pay to your Dayforce Wallet 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 Wallet 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 Wallet Card even if you also use the on-demand pay feature. Click here to learn more about setting up direct deposit to your Dayforce Wallet Card. 

When you set up direct deposit, you may be eligible to receive your pay up to 2 days early. Some employers send payment instructions ahead of the actual payday. If they do, GO2bank, the issuer of the Dayforce Wallet Card, will credit the amount to your account when they receive payment instructions (instead of waiting for the actual payday) so you can enjoy your money sooner. However, it’s important to note that if and how early your deposit can be posted to your account is completely dependent on when your employer sends the payment instructions. As such, the availability or timing of early direct deposit may vary from pay period to pay period. 

You might get your direct deposit up to two days early³, 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 initiated and bank receiving the funds. 

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

³ Early direct deposit availability depends on payor type, timing, payment instructions, and bank fraud prevention measures. As such, early direct deposit availability may vary from pay period to pay period. The name and Social Security number on file with your employer or benefits provider must match your GO2bank account to prevent fraud restrictions on the account. 

To get paid up to two days early³, you will need to register for Dayforce Wallet and have direct deposit set up for your Dayforce Wallet Card. After that, there is nothing additional to do and there are no fees for direct deposit. 

³ Early direct deposit availability depends on payor type, timing, payment instructions, and bank fraud prevention measures. As such, early direct deposit availability may vary from pay period to pay period. The name and Social Security number on file with your employer or benefits provider must match your GO2bank account to prevent fraud restrictions on the account. 

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

Available pay is the net amount of your wages available to you. This number will grow larger as you complete shifts, and it will shrink as your employer processes your regular paycheck. 

From the main page, select “Add Pay to Card” and select the amount of available pay you would like to add to your Dayforce Wallet Card. You cannot undo this action, and this amount will be deducted from your normal pay, so proceed with caution.  

Not all employers choose to offer on-demand pay with Dayforce Wallet. Check with your employer to see if this is available to you. Some blackout dates and limitations may apply based on your employer's pay cycle and configurations. GO2bank does not administer and is not responsible for on-demand pay. 

Yes, the maximum that can be loaded to the Dayforce Wallet Card per day is $10,000. Your employer may also impose additional limits.  

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 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. 

Not all employers choose to offer on-demand pay with Dayforce Wallet. Check with your employer to see if this is available to you. Some blackout dates and limitations may apply based on your employer's pay cycle and configurations. GO2bank does not administer and is not responsible for on-demand pay. 

Most registered users will have the ability to view their Dayforce Wallet 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. This digital card allows you to make purchases online or over the phone until you receive and activate your physical card. Your digital card is only active 15 days after you register your Dayforce Wallet account or until you activate your physical card (whichever happens first). If you set up any recurring payments with your digital card, you’ll need to update them with your physical card information as the expiration date and CVV code on your digital card are different than on your physical card.  

*Card account details are not available in the mobile app to employees based in New York. 

You can use your card everywhere Debit Mastercard is accepted. You can use your card to make online and in-store purchases, to pay bills, and to withdraw cash.  

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, you may use the 16-digit Dayforce Wallet Card number printed on your card to pay any bills that can be paid via a debit card. 

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

You can find your Dayforce Wallet Card account information, including your card number, expiration date, and CVV, in the Account tab of the Dayforce Wallet app. You can use these card details to start making purchases before your physical card arrives. This digital card allows you to make purchases online or over the phone until you receive and activate your physical card. Your digital card is only active 15 days after you register your Dayforce Wallet account or until you activate your physical card (whichever happens first). If you set up any recurring payments with your digital card, you’ll need to update them with your physical card information as the expiration date and CVV code on your digital card are different than on your physical card.  

The account number and routing number of your Dayforce Wallet Card account can be found within the Account tab, under the “Banking” section of the Dayforce Wallet app.  

Generally, yes, but be sure to check with the merchant before beginning the payment process as not all retailers accept split payments. 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.  

You’ll earn a $20 Referral Bonus for each person you refer who signs up and then makes a purchase of at least $10 on their Dayforce Prepaid Mastercard®. They’ll earn $20 too!

You can earn up to $500 in a calendar year. 

Dayforce Wallet Card Refer-A-Friend is available in the U.S. to eligible employees of companies who use Dayforce for payroll and have launched Dayforce Wallet. If you have the app, your coworkers may be eligible too. If you have friends who work for other companies that use Dayforce Wallet and live in the U.S., they may also be eligible. When in doubt, your friends can check with their payroll administrator.   

1. Go to the Dayforce Wallet app, tap Account  
2. Find and tap Refer Friends  
3. Tap the Share Code button to send your unique referral code to a friend via text, email, or your favorite app. 
4. When your friend downloads the Dayforce Wallet app and signs up for the card, they’ll be prompted to enter your unique referral code. That’s how we know you sent them our way. 
5. Once your friend spends $10 using their Dayforce Wallet Mastercard®, you’ll both get $40. Keep referring to earn up to $500 in referral bonuses! 

Referral codes are meant to be shared amongst friends and coworkers. Please avoid sharing through public forums or sharing with individuals who you do not know as not all employees may be eligible. See the Terms and Conditions for further details. 

Don’t worry! Your friend will have up to 7 days after they successfully sign up for the Dayforce Wallet Card to input your referral code. During that time, they can go to the Account tab, find the Rewards section, and tap on “Enter Referral Code”.

After your friend successfully signs up for the Dayforce Card and makes a purchase of $10 or more using their card within 90 days, we’ll credit $20 on your Dayforce Card within 14 days of the qualifying purchase.

Yes, you’ll still be able to refer friends even after you earn $500 in a calendar year, but you won’t earn $20 from those referrals. You’ll start earning again the next calendar year. For example, if you’ve already earned $500 in 2023, you’ll next be eligible to earn Referral Bonuses on or after January 1, 2024.

If your friend registers using your code and makes a purchase of $10 or more, they will still be eligible to earn $20 even if you have hit your annual limit of $500.

The message your friend sent you includes a link and a referral code. Use the link to download the Dayforce Wallet app, and then sign up for the Dayforce Wallet Card. During the sign up, you’ll be asked if you have a referral code. Tap the “Enter Referral Code” button and then enter the code from your friend’s message. That’s it! Then make a purchase of $10 or more using your Dayforce Wallet Mastercard® within 90 days to earn your $40. We’ll credit $40 on your Dayforce Wallet Card within 14 days of the qualifying purchase. 

There are no balance minimums, monthly fees⁴, or fees to add your available pay to the Card. Additionally, there are no fees to make purchases or transfer money to other financial institutions, as well as fee-free cash withdrawals at in-network ATMs⁵ within the Allpoint ATM and MoneyPass® ATM networks.  

⁴Please see Cardholder Agreement for complete list of fees. 

⁵Fee-free ATM access applies to in-network ATMs only. For out-of-network ATMs and bank tellers, a $2.50 fee will apply, plus any additional fee that the ATM owner or bank may charge. Limits and other fees apply. Please see Cardholder Agreement for details. 

The following limits apply to the Dayforce Wallet Card: 

• Daily ATM cash withdrawals - $510 
• Daily over-the-counter cash withdrawal* - $10,000 
• Daily purchase (point-of-sale) - $10,000  
• Maximum cumulative amount of all loads in any 24-hour period – May not exceed $10,000 
• Maximum balance of Card Account at any time (“maximum balance”) – May not exceed $20,000 

*The bank or ATM where the withdrawal takes place may also place certain limits on a withdrawal.  

If you see a transaction you don’t believe you made, please contact Customer Service immediately at 1-800-342-9167. 

You can find all legal documents in the Dayforce Wallet mobile app in the Account/Legal section and at these links: 

• Cardholder Agreement, Fee Schedule, and Privacy Policy 
• Dayforce Wallet Terms and Conditions 
• Dayforce Wallet Privacy Statement 
• Electronic Communications (“Esign”) Agreement 
• Dayforce Wallet Employee Wage Consent Form 
• Dayforce Wallet Parental/Guardian Consent Form   
• Dayforce Wallet Referrals Terms and Conditions 
• Dayforce Wallet Registration Incentive Terms and Conditions 

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 or statements. 

 View your card balance in the Dayforce Wallet app or by calling Customer Service toll-free at 1-800-342-9167. 

 Yes, you can transfer funds to an external bank account using the Dayforce Wallet 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.  

To transfer money to another bank account, you must first validate the bank account information. Once this is complete, it is simple and easy to transfer funds from your Dayforce Wallet 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. There are no fees to transfer funds to another account, although transfer limits may apply and external third-party banks may charge a fee. Please see Cardholder Agreement for further details. 

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.  

There is an ATM locator in the Dayforce Wallet app, which will help you find the closest Allpoint and MoneyPass® ATMs 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.  

Yes, you are limited to withdrawing $510 per day. The ATM operator or network may also impose other limitations. 

You will be required to set a PIN when you activate your card. If you received an instant issue card, you will receive a default PIN. 

To update your PIN, please tap Account. Click on Manage Card PIN, and then Change PIN. A one-time passcode will be sent to the mobile number associated with the account. Enter a new 4-digit PIN, re-enter the PIN to confirm, and then type in the one-time passcode. Finally, tap Change PIN and you should be all set. If you any questions or issues, please contact Customer Service at 1-800-342-9167. 

Please notify us immediately of the loss, theft, or unauthorized use of your Dayforce Wallet Card. Call Customer Service at 1-800-342-9167, 24 hours a day. 

You are allowed one free replacement card during each calendar year. For each additional request per calendar year, you will be charged a $5 Card Replacement Fee. Expedited shipping of your replacement card is available upon request at an additional cost of $25.  

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. 

No, not at this time. 

Access to your Dayforce Wallet account 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. 

Dayforce Wallet registered account funds are FDIC-insured through GO2bank. 

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. 

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

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 1-855-976-2046 and select the Dayforce Wallet Card option for card activation. You will be required to set a PIN when you activate your card. If you received an instant issue card, you will receive a default PIN.  

You’ll receive your card in 7-10 business days. If you don’t receive your card by then, contact Customer Service at 1-800-342-9167, and they will be happy to assist you.  

Please contact Customer Service at 1-800-342-9167, and they will be able to further assist you. 

No, not at this time. 

The Dayforce Wallet Mastercard® and the underlying account associated with the Card are subject to the Cardholder Agreement, Fee Schedule and Electronic Communications Agreement. Because minors generally cannot enter into agreements of this nature, a parent or guardian must consent to the terms on the minor’s behalf.  

You can close your Dayforce Wallet Card account by calling 1-800-342-9167. Removing the app does not close your account. 

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 

1. If you are asked to choose how to receive a code*: 
   1. Select “Email Me”, “Text Me”, or "Call Me” 
   2. Enter the One Time Passcode sent to the selection you made  
   3. Create your new password 
2. If you are asked to enter the code that was sent to your email**: 
   1. Enter the code you received 
   2. You’ll be asked to answer security questions to verify your identity 
   3. Once verified, create your new password 

*To use this feature, your device needs to meet the following requirements: 

1. Your device needs to be registered with Dayforce Wallet. This can be accomplished by logging in to your account on this device. 
2. 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. 

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.  

This allows two-step verification to occur occasionally and launch when using a new device. You can also choose to have two-step verification occur every time you log in. 

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 1-800-342-9167 to make applicable updates. You may be asked to provide additional information to protect your account. 

Upon separation from your company, you will no longer be able to receive pay on your Dayforce Wallet Card, but you will still have access to any remaining funds as shown in your card balance.

At this time, mobile phones are supported for both 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. 

For Dayforce Wallet customers in the United States: 

Dayforce Wallet Card support (card and transaction questions): 1-800-342-9167 

Dayforce Wallet app account and mobile app support (app, registration and how to questions): dayforcewalletfeedback@Ceridian.com

Hours for support: 

1. Dayforce Wallet 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 

If you don’t update your Dayforce Wallet account by the deadline provided via email, you will lose access to some Dayforce Wallet features.  

You will be able to complete some transactions, including purchases, bank transfers, and ATM withdrawals using your Dayforce Card issued by Central Bank of Kansas City until your account is closed. Account closure details will be provided by email or mail.  

Until you update your account, you can continue to contact customer support at 1-877-723-7434   

Once you’ve updated your account, the new customer support phone number is: 1-800-342-9167 

You can also find the Customer Support number in the Dayforce Wallet app. 

Direct deposits take a few days to process.  

For example: if you have direct deposit set up to your Dayforce Card and you typically receive your direct deposit on Wednesday, the processing of that direct deposit typically begins a few days earlier. If you’re expecting a direct deposit to your Dayforce Card within a few days, we recommend waiting for your direct deposit to arrive and then completing your account update. That way, all of your funds will be transferred to your new card and you can continue accessing them using the Dayforce Wallet app.   

If you do finish your update before receiving your direct deposit, you will be able to access any funds on your old card and complete transactions with it, but you won’t see the old card balance or activity in the Dayforce Wallet app. To check the balance or perform other banking transactions, you can call Central Bank of Kansas City at 1-877-723-7434.  

If you aren’t expecting a direct deposit within the next few days, you can disregard the message and continue with the account update process.