Wages On-Demand Frequently Asked Questions
What is Wages On-Demand?
Who can use the Spentra Card?
Can funds be withdrawn by ATM?
Is a card provided with the program?
Is there a cost to the card (Employer or Employee)?
What is the wage access fee to the employee?
What wage access limits are there?
Are there any restrictions on total amount accessed in a pay period?
What are the number of transactions allowed per pay period?
How quickly are funds available?
Is a bank account required?
Is there a minimum employee count for program?
What is the cost to the employer for the program?
Does the program have to be exclusive i.e. no other cards allowed?
Is it completely integrated with PayNorthwest?
What set up is required by the employer?
After sign up, how long before the program is available to employees?
What is the length of training for the employer?
Are instant-issue cards available?
Does Spentra have direct deposit automation?
Is there a Mobile App for Spentra?
Does it use Fee-Free ATMs?
Is there a transaction fee for POS PIN based transactions?
Is there a transaction fee for POS signature based transactions?
Are there monthly fees?
Are there minimum balance fees?
Is there a length of inactivity period before a fee is charged?
Is there an Employer Portal?
Is the Spentra Card FDIC insured?
Are there patents protecting the Spentra products?
Is the app available in Spanish?
Questions Asked Frequently by Employees
How do I deposit funds?
Are deposits insured by the FDIC?
What is the maximum amount that I can load into my Spentra Card account?
How do you handle my personal information?
What is the fraud policy for the Spentra Card?
Where can I find more information on your policies?
What features are available through the Spentra app?
What if I lose my Spentra Card or the card is stolen?
Do you run my credit or store my Social Security number?
How do I get help or support?
What is Money Earned®?
How does Money Earned® work?
How do I use Money Earned®?
How does Money Earned® settle?
Is Money Earned® a loan?
How long does it take for my Money Earned® to load to my Spentra Card?
I just started working and my employer has Money Earned®. How long before I can start using this benefit?