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Payments

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How do I sign up for direct deposit?
Here’s how to sign up for direct deposit:
1. Log in to your WageWorks account.
2. Once you have logged in to your account, click on PROFILE in the upper right hand corner.
3. Click on the Reimbursement Method buttons on the left.
4. Select Direct Deposit under Select Reimburse Payments By.
5. Enter your bank name, bank account number, bank routing number, and type of account and select Save Changes.
It's important to double-check your bank account information when signing up for direct deposit since payments are made strictly on the account information you provide. Please note that not all employers' programs allow for reimbursement payments by direct deposit. If you don’t see direct deposit as a payment option when you log into your WageWorks account, your employer may not allow for reimbursement payments to be made by direct deposit.

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What is the wait time for direct deposits to show up in my bank account?
This varies by bank. Depending on your bank, it can take three (3) business days or more from the date payment is made.

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What are my payment options for my Dependent Care FSA?
There two ways you can use the funds in your Dependent Care FSA:
- Pay My Provider. You can arrange to have your dependent care provider paid directly.
- Pay Me Back. You can be reimbursed for eligible dependent care expenses you pay out of pocket.
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What are my payment options for my Commuter Parking Account?
There are three ways to use your Commuter Parking Account to pay for eligible parking expenses:
1. Pay My Provider. You can arrange for your parking provider to be paid directly from your account.
2. Pay Me Back. You can have funds deposited directly into your bank account or a check mailed to reimburse you for eligible parking expenses you've already paid.
3. Pay By Debit Card. Depending on your employer’s plan, you may use the convenient WageWorks Commuter Parking Card to pay for eligible parking expenses directly from your account.
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What if I park at a park-and-ride lot, but want to pay for a bus pass separately?
It's simple! Sign up for both a Commuter Parking Account and a Commuter Transit Account. With both accounts, you can be reimbursed for up to $250 per month for qualified parking expenses and up to $130 per month for qualified transit expenses.

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What are my options to pay for expenses with my FSA?
There are several ways you can use the funds in your Healthcare FSA:
- You can use the WageWorks® Healthcare Card associated with your Healthcare FSA to pay for eligible healthcare products and services.
- You can arrange to have your healthcare provider paid directly from your Healthcare FSA.
- You can also be reimbursed for the eligible expenses you pay out of pocket.
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What is Card Use Verification (or CUV)?

CUV stands for Card Use Verification. It's a request for an itemized receipt to verify that a card transaction is eligible.

IRS rules dictate that all card transactions must be verified for eligible expenses. When card transactions can’t be verified automatically, you will receive a CUV, and you’ll need to submit an itemized receipt to verify the transaction. We know it’s a pain, but it's necessary to help you and your employer comply with IRS regulations.

WageWorks will notify you if the transaction cannot be automatically verified and provide you with instructions for next steps. You have 90 days from the transaction date to verify your transaction. After 90 days, your WageWorks® Healthcare Card will be suspended.

Here’s a quick and easy way to keep your card from being suspended. Use the WageWorks EZ Receipts mobile app to snap and save photos of receipts. You can submit them right away or store them for future use. That way, if you receive a CUV, you have digital copies of your receipts at your fingertips.

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What's the process for validating card transactions?
There are three ways to verify your card transactions:
1. Download the WageWorks EZ Receipts® mobile app. Log into your WageWorks account using the mobile app, and click “Submit New Receipt.” Follow the prompts to take photos of your receipts and save them should any of your card transactions require verification.
2. Log into your WageWorks account, click "Submit Receipt or Claim" and follow the prompts to upload digital copies of receipts.
3. Download and print out the Card Use Verification Form. Complete the form and submit it via fax (877-353-9236) or mail (Attn: Claims Administrator, PO Box 14053, Lexington, KY, 40512), along with copies of your itemized receipts for the card transactions listed on the form. Please do not send us your original receipts, as you will need these for your records.
Regardless of the method you choose to submit your receipts or documentation, you will need to include these five key pieces of information:
1. Patient's Name: The name of the person who received the service or for whom the item was purchased. For retail store purchases, this information may be excluded.
2. Provider's Name: The provider that delivered the service or where the item was purchased.
3. Date of Service: The date on which services were provided or the item was purchased.
4. Type of Service: A detailed description of the service provided or item purchased. A bag tag is sufficient for prescriptions.
5. Cost: The amount paid for the service or product and/or the portion that is not reimbursed through your insurance carrier.
Please note that credit card receipts typically do not provide the required five pieces of information and will not meet the criteria for card use verification.

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What are my payment options with my HRA?
There are several ways you can use the funds in your HRA:
- You can use your WageWorks® Healthcare Card associated with your HRA to pay for eligible healthcare products and services.
- You can arrange to have your healthcare provider be paid directly from your HRA.
- You can also be reimbursed for eligible expenses you pay out of pocket.
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How can I pay for my commuter expenses with my account?
There are four ways to use your Commuter Transit Account to pay for eligible transit expenses
1. Buy My Pass. You can select the transit pass you want, and it’s delivered to your home or office.
2. Pay By Debit Card. Depending on your employer’s plan, you may use the convenient WageWorks Commuter Card to pay for eligible transit expenses directly from your account. Funds from your account are loaded onto your card, which can be used to make purchases at transit agency ticket machines and most resellers.
3. SmartCards. You can choose to have funds form your account loaded directly to your transit agency's SmartCard.
4. Pay Me Back. You can have funds deposited directly into your bank account or a check mailed to reimburse you for eligible transit expenses you've already paid.
To select your payment option, just log into your WageWorks account.

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How do I pay for my Vanpool with my account?
There are three ways to use your Vanpool Commuter Account to pay for eligible vanpool expenses:
1. Buy My Pass. You can select your vanpool pass/voucher by logging into your WageWorks account, and WageWorks delivers your pass/voucher directly to your home or office.
2. Pay Me Back. You can have funds deposited directly into your bank account or a check mailed to reimburse you for eligible expenses you've already paid.
3. Pay My Provider. You can arrange for your service provider to be paid directly from your account.
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What are my payment options with my HSA-compatible FSA?
There are three ways to use your HSA-Compatible FSA to pay for dental and vision care expenses:
1. Pay Me Back. You can have funds deposited directly into your bank account or a check mailed to reimburse you for eligible expenses you've already paid.
2. Pay My Provider. You can arrange for your service provider to be paid directly from your account.
3. Pay by Debit Card. Depending on your employer’s plan, you may use the convenient WageWorks Healthcare Card associated with your account to pay for eligible dental and vision care products and services. This smart card knows which account to draw money from first—your HSA-Compatible FSA or your HSA.
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How long is a check issued by WageWorks valid?
Checks issued by WageWorks are valid for 180 days from the issue date, which you can find printed on the check.

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Commuter Card

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What is a WageWorks Commuter Card?

The WageWorks® Commuter Card is like a pre-paid debit card. It’s the quick and easy way to pay for qualified public transit and parking expenses from your WageWorks Commuter Transit Account. Use it at transit agency ticket vending machines, ticket windows, and transit agency ordering websites.

You can use your pre-tax dollars to fund your card (up to $265 for transit and up to $265 for parking, or both). You may have your card reloaded from your account automatically on the 20th of the month prior to each benefit month (for example, on June 20 for your July benefit month). Or you can manually reload your card from your account. If you choose to reload your card manually, you need to do so before the 10th of the month prior to your benefit month.

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How do I use my WageWorks Commuter Card?

You use your WageWorks Commuter Card just like you use a debit card—just swipe and go. Use it at transit agency ticket vending machines, ticket windows, and transit agency ordering websites. If you have to choose between a debit or credit option when using your card at a ticket vending machine, choose “credit.” If you choose “debit,” you’ll be asked for a personal identification number (PIN), and your Commuter Card doesn’t have a PIN.

If you’d like to add an optional PIN to your Commuter Card, please call WageWorks Customer Service at 1-877-924-3967. You can then use your card as you would use a debit card at participating merchants by selecting the “debit” payment option and entering your PIN. Please note that you can’t use your Commuter Card at ATMs or to receive cash back at merchants.

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When will my WageWorks Commuter Card be reloaded?
Your WageWorks® Commuter Card will reload automatically on the 20th of the month prior to each benefit month (for example, on June 20 for your July benefit month). The funds for "reloading" are the pre-tax (and sometimes additional post-tax) dollars you determine to be transferred from your paycheck into your WageWorks account.

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What happens to the funds on my WageWorks Commuter Card if I leave my job/employer?
You have ninety (90) days from your termination date to use your card to access the transit funds remaining in your account. After 90 days, you forfeit any pre-tax funds left in your transit account when you leave your employer, although you are refunded any remaining post-tax funds at the end of the ninety (90) day period. If you think a change may be coming, the best thing to do is log into your log into your WageWorks account and adjust your elections as soon as possible.

Note: Commuter Credits are pre-tax funds that were not used for an intended benefit month. Credits can be a result of an unused returned pass to the transit agency, an unclaimed Pay Me Back expense, or the unused balance from a previous commuter program. Under this commuter benefit, commuter credits are used to offset future pre-tax deductions. Since the participant cannot place any more orders due to their departure from the company, commuter credits are forfeited to the employer.

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Is WageWorks Commuter Card a credit card?
Nope. The WageWorks® Commuter Card is a VISA/MasterCard stored-value card for use at transit locations and valid merchants. There is no line of credit available on your Commuter Card, and your personal credit is unaffected by the use of the card. Only the funds you elect to put on the card are available for use; this is why we describe the WageWorks Commuter Card as a “pre-paid debit card.”

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How do I check the balance on my WageWorks Commuter Card?
There are three ways to check the balance on your card:
1. Log into your WageWorks account to check your account balance.
2. Log into your WageWorks account via the WageWorks EZ Receipts® mobile app and check your account balance.
3. Call WageWorks Customer Service 1-877-924-3967. Provide the last four digits of WageWorks Commuter card number and your home zip code to receive your account and card balances.
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What happens if funds aren't loaded to my Commuter Parking Card on time?
Here’s what you can do. Log into your WageWorks account to confirm you elected to contribute to your Commuter Parking Account for the time period you expected your card to be loaded. The monthly election should be available on your card by the first day of the benefit month. Please note that the maximum amount you may elect to contribute to your account (and therefore the maximum amount you have available on your card) is $250 per month.

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Do I lose my money in my Commuter Parking Account if I leave my employer?
Sorry, there is no “spend down” period for your Commuter Parking Account. If you leave your employer, you forfeit any pre-tax funds left in your account, although you are refunded any remaining post-tax funds. If you think a change may be coming, the best thing to do is log into your WageWorks account and adjust your elections as soon as possible.

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What should I do if my Card wasn't loaded as it should have been?

It depends on the type of Commuter Transit benefit program your employer has selected. Please contact your employer to confirm the type of program your company has in place.

If your employer has the Commuter Order Model or the Commuter Express benefit program, funds are available on your WageWorks Commuter Card by the 20th of the month prior to the benefit month.

If your employer has the Commuter Account Model, funds are available on your WageWorks Commuter Card within forty-eight (48) hours after WageWorks has received notification from your employer that payroll deductions have been made.

For all types of Commuter Transit benefit programs, Log into your WageWorks account to confirm that you made an election for the applicable benefit month.

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Will my WageWorks Commuter Card still work if I leave my employer?
If your employer has the Commuter Account Model or Commuter Express benefit program, any scheduled recurring order will be cancelled on the date of your termination or the date that WageWorks receives your termination date from your employer—whichever date is later. If you have unused funds in your account, you may submit new ordering instructions, and you have ninety (90) days from the date of termination of your employment to use the funds in your account for eligible expenses. Any unused pre-tax funds will be forfeited to your employer, and any post-tax funds will be refunded to you at the end of the ninety (90)-day period.

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Healthcare Card

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How do I verify a transaction if Card Use Verification is requested?
There are three ways to verify your card transactions:
1. Download the WageWorks EZ Receipts® mobile app. Log into your WageWorks account using the mobile app, and click “Submit New Receipt.” Follow the prompts to take photos of your receipts and save them should any of your card transactions require verification.
2. Log into your WageWorks account, click "Submit Receipt or Claim" and follow the prompts to upload digital copies of receipts.
3. Download and print out the Card Use Verification Form. Complete the form and submit it via fax (877-353-9236) or mail (Attn: Claims Administrator, PO Box 14053, Lexington, KY, 40512), along with copies of your itemized receipts for the card transactions listed on the form. Please do not send us your original receipts, as you will need these for your records.
Regardless of the method you choose to submit your receipts or documentation, you will need to include these five key pieces of information:
1. Patient's Name: The name of the person who received the service or for whom the item was purchased. For retail store purchases, this information may be excluded.
2. Provider's Name: The provider that delivered the service or where the item was purchased.
3. Date of Service: The date on which services were provided or the item was purchased.
4. Type of Service: A detailed description of the service provided or item purchased. A bag tag is sufficient for prescriptions.
5. Cost: The amount paid for the service or product and/or the portion that is not reimbursed through your insurance carrier.
Please note that credit card receipts typically do not provide the required five pieces of information and will not meet the criteria for card use verification.

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What is a WageWorks® Healthcare Card?
The WageWorks Healthcare Card is the quick and easy way to pay for eligible healthcare expenses using your WageWorks healthcare benefit account(s). It works like a pre-loaded debit card. Use it to make a co-payment at a doctor’s office, purchase prescriptions at the pharmacy, buy a new pair of glasses, and more.

In most cases, you automatically receive a WageWorks Healthcare Card when you sign up for one or more of these WageWorks healthcare benefit accounts:
- WageWorks Healthcare Flexible Spending Account
- WageWorks Health Savings Account
- WageWorks Health Savings Account-Compatible Flexible Spending Account
- WageWorks Health Reimbursement Arrangement
And don't forget that the WageWorks Healthcare Card is "smart"--if you have multiple accounts, such as an HSA and an HSA-Compatible FSA for dental and vision, your card will know which account to pull the funds, making it even easier for you.

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Can I use my WageWorks® Healthcare Card during the grace period after my plan year ends?
Yes, your card automatically uses funds from your current plan year. If you have a grace period, your card will use the funds from the previous year until they are used up or your grace period ends. Then it will use your current plan year funds. If you don't have grace period (and you can check if you do by logging into your WageWorks account and looking at your "use from" dates), your card will use funds for the plan year you are currently in.

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What is CUV?

CUV stands for Card Use Verification. It's a request for an itemized receipt to verify that a card transaction is eligible.

IRS rules dictate that all card transactions must be verified for eligible expenses. When card transactions can’t be verified automatically, you will receive a CUV, and you’ll need to submit an itemized receipt to verify the transaction. We know it’s a pain, but it's necessary to help you and your employer comply with IRS regulations.

WageWorks will notify you if the transaction cannot be automatically verified and provide you with instructions for next steps. You have 90 days from the transaction date to verify your transaction. After 90 days, your WageWorks® Healthcare Card will be suspended.

Here’s a quick and easy way to keep your card from being suspended. Use the WageWorks EZ Receipts mobile app to snap and save photos of receipts. You can submit them right away or store them for future use. That way, if you receive a CUV, you have digital copies of your receipts at your fingertips.

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Where can I use my WageWorks® Healthcare Card?

You can use your WageWorks® Healthcare Card at the doctor, pharmacy, optician, and most general merchandise stores. The card transactions are usually verified automatically. However, some pharmacies, healthcare providers and general merchandise stores are not yet using the industry standard Inventory Information Approval System (IIAS) at checkout, which prevents us from automatically verifying the expense. In these cases, you will need to submit a receipt to verify that the transaction was for an eligible expense or service.

Visit the sigis.org site for a list of merchants using the Inventory Information Approval System. Please keep in mind that you will always have a higher chance of automatic verification if you make your purchase at the pharmacy counter instead of the main checkout registers.

Also, you can check if an expense is eligible by looking through our eligible expenses or ask your employer for what's eligible under your specific plan.

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What kinds of purchases can I make with my WageWorks® Healthcare Card?
You can pay for all kinds of eligible expenses covered under your WageWorks benefit account(s). Use your WageWorks Healthcare Card to pay for eligible healthcare expenses at select pharmacies, healthcare providers, and general merchandise stores that have an industry standard inventory and checkout system. Visit the sigis.org site for a list of merchants using the Inventory Information Approval System.

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Why has my WageWorks® Healthcare Card been suspended?

The most common reason why your WageWorks Healthcare Card is suspended is because you’ve exceeded the 90-day window for verifying a card transaction.

While most WageWorks Healthcare Card transactions are automatically verified, some require additional manual verification to make sure that the card is being used to pay for an eligible expense. Learn more about card use verification here.

WageWorks will notify you if your card transaction cannot be automatically verified and provide you with card use verification instructions. You have 90 days from the transaction date to verify your transaction before your card is suspended.

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How do I get my WageWorks® Healthcare Card reinstated?
There are three ways to have your WageWorks® Healthcare Card reinstated:
1. Log into your WageWorks account and upload a digital copy of your itemized receipt for the card transaction in question;
2. Use the WageWorks EZ Receipts® mobile app to submit a digital copy of your itemized receipt for the card transaction in question; or
3. Fill out and submit a Card Use Verification form by fax or mail. It will take approximately 2-3 business days after the form has been received, processed, and approved for your WageWorks Healthcare Card to be reinstated.
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How will I know if I need to verify a purchase made with my WageWorks ® Healthcare Card?

WageWorks sends you an email if you need to verify a purchase made with your WageWorks® Healthcare Card. You can also see which transactions need verification by logging into your WageWorks account or through the WageWorks EZ Receipts® mobile app.

Please note that you will receive one email notification for each Card Use Verification request within twenty (20) days of the transaction. Make sure you don't miss any important email notifications by keeping your email address current in your WageWorks account.

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How do I get a replacement WageWorks® Healthcare Card?
It's easy! Log into your WageWorks account. Under the “Card Center” tab, click the “Order a Replacement Card” button.

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How do I check the balance on my WageWorks® Healthcare Card?
There are three ways to check the balance on your card:
1. Log into your WageWorks account to check your account balance.
2. Log into your WageWorks account via the WageWorks EZ Receipts® mobile app and check your balance at any time.
3. Text the word CARD to MYINFO (694636) and receive your balance via text message. (You will have to have texting preferences set up first which is quick and easy to do).
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What happens if I use my WageWorks® Healthcare Card at a store that does not have the IRS-approved inventory and checkout system in place?

If you use your WageWorks® Healthcare Card to pay for an eligible expense at a merchant without an IRS-approved system, your card may be declined. If your card is declined, simply use another method to pay for your purchase and then submit a Pay Me Back claim, along with your itemized receipt, to be reimbursed.

You can submit your receipt via fax or email, or simply take a picture of it and send it to us with the EZ Receipts app on your Apple or Android phone.

If your card is accepted, you still may need to verify your card transaction by submitting a copy of your itemized receipt. If this is the case, you will receive a notice from WageWorks asking for verification.

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Can I pay for over-the-counter (OTC) medication using my WageWorks® Healthcare Card?
Sorry, you cannot pay for OTC medication with your card unless you have a prescription for the medication from your doctor and the medication is considered an eligible expense. This is a rule set by the IRS. Check out eligible expenses associated with your account. If the store from which you're buying the OTC medication does not have an IRS-approved inventory and checkout system in place, you need to use another form of payment and submit a Pay Me Back claim to be reimbursed from your WageWorks account.

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What do I do if I lose my receipt?
Don’t worry! You can submit a substitute receipt from another transaction for the purchase of eligible goods or services. The substitute receipt must be for an amount that is equal to or greater than the first transaction that requires verification, and it must include the following five pieces of information, as required by the IRS:
1. Patient's Name: The name of the person who received the service or for whom the item was purchased. For retail store purchases, this information may be excluded.
2. Provider's Name: The provider that delivered the service or where the item was purchased.
3. Date of Service: The date when services were provided or the item was purchased.
4. Type of Service: A detailed description of the service provided or item purchased. A bag tag is sufficient for prescriptions.
5. Cost: The amount paid for the service or product and/or the portion that is not reimbursed through your insurance carrier.
Please submit a completed Card Use Verification form along with your substitute receipt(s). If you don't have a substitute receipt, WageWorks will not be able to verify that your card was used to pay for an eligible expense, and you will need to repay your account. To repay your account, send a check (payable to WageWorks) for the unverified transaction amount, along with a completed Card Use Verification form to: WageWorks, P.O. Box 14053, Lexington, KY 40512. The funds will be applied to your account balance.

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Can I order an additional WageWorks® Healthcare Card for my spouse or child (ren)?
Yes, you can request additional cards for your spouse and/or eligible children (at least 18 years of age) at no charge by logging into your WageWorks account. Under the “Card Center” tab, click the “Order Dependent Card” button.

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Why do I need to submit a receipt after using my WageWorks® Healthcare Card?
You may need to submit a receipt when using your card because we weren’t able to automatically verify that the transaction was for an eligible expense. When you use your card, we first attempt to automatically verify your transaction. If we are unable to do so, you will be asked to submit your receipt to verify the transaction, as IRS rules require that all expenses be eligible.

The good news is that it is easy to verify expenses using our EZ Receipts app on your mobile device. Or you can simply submit a receipt online or fax it, whichever is easier for you. Here are the three ways you can submit a receipt:
1. Download the WageWorks EZ Receipts® mobile app. Log into your WageWorks account using the mobile app, and click “Submit New Receipt.” Follow the prompts to take photos of your receipts and save them should any of your card transactions require verification.
2. Log into your WageWorks account. Click "Submit Receipt or Claim" and follow the prompts to upload digital copies of receipts.
3. Download and print out the Card Use Verification Form Complete the form and submit it via fax (877-353-9236) or mail (Attn: Claims Administrator, PO Box 14053, Lexington, KY, 40512), along with copies of your itemized receipts for the card transactions listed on the form. Please do not send us your original receipts, as you will need these for your records.
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Can I use my WageWorks® Healthcare Card to access funds in my HRA?
Yes, you can use WageWorks® Healthcare Card to pay for eligible expenses using funds in your HRA. Your employer and IRS Regulations determine which expenses are eligible for reimbursement under your HRA. Log into your WageWorks account to see what's eligible under your particular HRA. In most cases, WageWorks Healthcare Card transactions for eligible expenses are automatically approved. But please remember to always save your receipts from your card transactions.

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