Wages On-Demand Frequently Asked Questions

The PayNW Wages On-Demand program features the Spentra Visa^® Payroll Card and is a low cost, responsible, easy way for your employees to access their earned wages whenever they want. The Spentra Card features the Money Earned® benefit, which lets employees access up to 50% of their net wages at time of request before the next payroll date. The Spentra Card also eliminates fees for common transactions, helping employees manage money wisely:

• No fee to employers or employees for card
• Over 38,000 surcharge-free MoneyPass ATMs
• No monthly maintenance fees
• No minimum balance requirements or fees
• No ACH deposit fees
• No POS PIN based transaction fees
• No POS Signature based transaction fees

The Spentra Card can be used by employees of any employer that signs up for the program. The Spentra Card is not offered in Connecticut, Delaware, New Hampshire, New York, Rhode Island or Vermont.

Yes. Simply sign into the Spentra mobile app and select ATM Finder from the home screen to find a list of surcharge-free ATMs near you, or enter a zip code to find locations in that area.

Yes. Visa® Debit Payroll Card

No cost

$1.00 per transaction up to $100 taken

Up to 50% of net wages at time of request

Only restriction is up to 50% of net wages at time of request whether $10 or $10,000

12 for weekly, 24 for bi-weekly, 48 for monthly

Instantly to the Spentra Card

No

No

$250 per FEIN

No

Yes

None!

1 to 7 days

1 hour

Yes

Yes

Yes

Yes – MoneyPass^® Network

None

None

None

None

12 months

Yes

Yes

Seven

This is in progress, scheduled for completion in Q4 of 2019.

For Direct Deposit, simply let your employer know you want your pay to go to your Spentra card and they will set it up on the PayNW system. To find your account and routing number, sign into the Spentra app and select Manage Your Card, then choose Direct Deposit. For Government Rebate or ACH deposit from a bank account, sign into the Spentra app and select Manage Your Card. Here you can find your routing and account number.

Only direct deposits in your name or the name of someone for whom you have the legal authority to accept funds can be loaded to the Spentra Card. All other direct deposits in the name of anyone else may be declined and returned.

Yes, deposits to your Spentra Card are insured up to $250,000 by the Central Bank of Kansas City, Member FDIC.

The maximum amount in your Spentra Card account may not exceed $10,000.

Spentra operates to BSA (Bank Secrecy Act) standards. Employee information is never made available or sold to any third party, ever.

If you suspect that someone has accessed your Spentra Card account information or used the card without your permission, sign into the Spentra app and select Manage Your Card, then choose Block Card. This will stop any further purchase activity on your card. After blocking access, please call 833-459-3443 and a representative will work to resolve the issue.

Information regarding Terms of Use, Privacy Policy and Fraud Prevention is available for registered users through the Spentra app, and on their website at spentra.com.

• The following features can be accessed through the Spentra app:
• View your current balance
• View your card activity
• Block/Unblock your card
• Reset PIN
• Enroll and manage text alerts’
• ATM Finder for surcharge-free withdrawals at Money Pass® ATMs
• Money Earned^®, a patented benefit, allows employees to access up to 50% of their net wages at time of request
• Friendly support directly from the Spentra app

*Standard message and data rates from your wireless service provider may apply.

If your card is stolen, immediately sign into the Spentra app , select Manage Your Card, and then choose the option to Block Card. This will stop any further purchase activity on your card. After blocking access, please call 833-459-3443 to speak with a representative, who will report the issue and order a replacement card.

No. We do not conduct a credit check or store your Social Security number.

For any questions regarding Spentra Card transactions, fraud concerns, or card status, call 833-4S9-3443 and a representative will be happy to assist you. For questions or issues with Money Earned® or the Spentra app, sign into the app and select Profile from the home screen. Then select Need Help, choose App & Money Earned Help, and select Contact Us.

Money Earned® is a patented benefit that lets employees of PayNorthwest employers, who sign up for the Spentra Card program , access up to SO% of their net wages at time of request, before their next paycheck date.

Spentra interfaces with your employer’s PayNW time and attendance and payroll system to determine an employee’s net wages (earnings after deductions and garnishments). At any time throughout the pay period, an employee can push up to 50% of their net wages, at time of request to their Spentra Card.

To push any portion of your Money Earned® balance directly to your Spentra Card, simply download the free Spentra app, log in, and select Push Earnings To Card option from the Money Earned Details. Enter the amount you want to push to your card and press Submit. You can use the card everywhere Visa® debit is accepted. It’s that simple.

At the close of a payroll cycle, Money Earned® transactions by an employee during that payroll cycle are totaled and added to that employee’s pay stub information as a deduction, similar to common payroll deductions, like insurance or child support.

No, it is not a loan. Spentra interfaces with an employer’s payroll system to calculate net wages at time of request. The Money Earned® feature simply gives employees access to their known earned wages.

A Money Earned® transaction is loaded onto your Spentra Card at time of request, and you can use the funds right away.

Each employer is different; however, new employees generally can access Money Earned® after the first pay cycle closes. Remember to download the Spentra app from the Google Play Store or App Store and request your card through the app.

You can access Money Earned® from your mobile device through the Spentra app, anytime and anywhere you have mobile service.