A Payroll Card &

Earned Wage Access All in One!

No fee to employers or employees for card
Employee opt-in. Completely automated. No overhead required
No monthly maintenance fees. No minimum balance fees
Your deposits are FDIC insured up to $250,000 through Patriot Bank, Member FDIC
Money Earned®, our patented benefit, allows employees to access up to 50% of their net wages at time of request
Payroll Card Benefits

Peace Of Mind

For Everyone

  • Enroll and manage your card directly from the Spentra app
  • Your deposits are FDIC insured up to $250,000 through Patriot Bank, Member FDIC
  • Over 55,000 surcharge-free AllpointTM ATMs
  • No Hidden Fees. Ever!
  • Instant transaction alerts* anytime you use the Spentra Card
  • Bank Secrecy Act (BSA) Compliant
  • Spentra’s bank-level security protects your sensitive personal information

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

Mobile Banking

Access To Your Money

  • 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 AllpointTM ATMs
  • Money Earned®, our 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.

Pay Advance - Mobile Banking
Pay Advance - No Hidden Fees

No Hidden Fees

We Really Mean It

  • No fee to employers or employees for card
  • Over 55,000 surcharge-free AllpointTM 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

See Complete Fee Schedule

Payroll Card Money Earned

Our Claim To Fame

Money Earned®

Spentra also comes with a patented feature, Money Earned®. An employee benefit that allows employees to access up to 50% of their net wages at time of request directly through the Spentra app, at no cost to the employer. Helps employees manage the funds they know they have: pay bills on time, eliminate late fees and reduce financial stress.

Funds are provided by Spentra and reconciliation happens on the paycheck date. Because we are interfaced with your time and attendance & payroll system, the entire process is automated.

A Payroll Debit Card

A Truly Unique Solution Without All The Traps