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Employees load their wages in advance onto a Visa debit card and are then able to use that card wherever Visa cards are accepted, or can withdraw cash at some ATMs. When Amazon first rolled out the program to some workers, those workers could obtain up to 50% of their paycheck in advance. Now, more workers have access to the program, and can cash out on 70% of their paycheck in advance by transferring funds to their Wisely Pay Visa card. But earned-wage access products also carry risks for consumers. The products are not currently regulated as loans, due to a Trump-era CFPB advisory opinion that carved out a special exemption for earned-wage access should providers fit certain criteria, like not charging fees. Wisely claims to offer earned-wage access "at no cost," so it fits these requirements and hence is exempt from regulatory disclosures required of credit cards or payday loans.

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Americans are beginning to recognize fake reviews. Always be suspicious of overenthusiastic reviews with little depth, Palfreeman says. Marc Saltzman is a contributing writer who covers personal technology. His work also appears in USA Today and other national publications. He hosts the podcast series Tech It Out and is the author of several books, including Apple Watch for Dummies and Siri for Dummies.

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