Answers to questions we're often asked.

We know there's a lot to learn and read about on the Wallit platform.
That's why we're giving you this in a format that easy to skim.

Getting Started

What is Wallit®?

Wallit is a free cashback rewards app that automatically puts real cash in your pocket for spending with your existing debit card at participating retailers.

Wallit is available for both iPhone and Android users, and to everyone with a debit card from any bank or credit union in the United States. When you sign up for Wallit and connect your checking account, you’re eligible to automatically receive cashback for purchases whenever you shop, dine and travel. Simply tap or swipe to pay with your linked debit card as you normally do and we’ll stuff free cash back in your wallet. You can find current cash back offers in your Wallit app.

How do I get started?

Simply sign up or sign in to the Wallit app, and securely connect your checking account to link your debit card. Then, make sure to use your debit card that is linked to Wallit and we will automatically drop free cash into your account whenever you shop, dine and travel at participating locations.

Wallit’s real-time budgeting can detect recurring expenses to help you budget instantly and plan ahead. Wallit shows you how much you can spend by subtracting upcoming expenses from your current bank balance.

How do I sign up?

You can sign up by going to

Simply add your username, e.g. email and a unique password. Your password must meet the following password criteria:

  • Minimum of 12 characters
  • 1 uppercase (A,B,C,D,)
  • 1 lowercase (a,b,c,d,)
  • 1 number (0–9)
  • Mobile number

Note: During the sign up flow you’ll create your profile and link your checking or savings accounts.

How does Wallit work?

Wallit makes it easier than ever to earn cashback on your everyday purchases. Check out this step-by-step guide before making your next purchase:

  • Step 1: Download the Wallit app and complete registration
  • Step 2: Dine or shop at a participating retailers that improve your wellness
  • Step 3: Earn cash back automatically!


What is the navigation bar?

The navigation bar can help you quickly access key features of the Wallit app.

  • Home: Tap here to find our current featured cash offers and rewards from our partners of brands, retailers, and financial institutions.
  • Offers: Tap here to search and filter cash back offers by category, list and map view.
  • Accounts: All your accounts you added to your Wallit are listed on the Accounts page of your Wallit app. See everything in one place, at a glance. Tapping on the account name will open the account details page for that account where you can see balance data, transactions, and other insights.
  • Activity: Your feed of all cash back you've received and money you've transferred in and out of your Wallit

How do I turn on Notifications?

Notifications help you stay informed about Wallit activity that is relevant to you. Notifications can be about offers, rewards, and general app information.

We send notifications in a few different ways:

  • In-app Notification: When you open the Wallit app, a notification may appear alerting you to some new information. You can tap the notification to view the information. You can also tap the "X" or outside of the notification to dismiss.
  • Push" Notification This is a notification that appears on your device, even if you are not currently using the device, alerting you to new or important information. On most devices, you can tap the notification which will open the Wallit app and take you to the relevant information or you can clear the notification.
  • Email Notification: This is a notification that we send directly to the email address that we have on file. This type of communication will be longer and contain more personalized, relevant information, often with instructions for you to take advantage of an offer.

How to turn notifications ON or OFF on your mobile device?

Follow these simple steps:


  1. On your device, tap Settings.
  2. Tap Wallit
  3. Tap Notifications
  4. Adjust Allow Notifications by tapping it green (yes) or white (no)


  1. From the home screen of your device, select Settings.
  2. Select Notifications
  3. Select Wallit
  4. Under Push Notifications, adjust the toggle by tapping it red (yes) or white (no)

How to personalize the notifications you receive with Wallit:

  1. From Home, tap the menu bar (three horizontal lines) in the upper left corner.
  2. Tap Settings
  3. Adjust your SMS app alerts by selecting items red (yes) or white (no). Tap Save when you are finished.
  4. You may need to restart the app to ensure the changes have been made.

Why is the Wallit app using my location?

Wallit uses your location to keep you up-to-date on cash back you have received and to inform you cash back offers you may be interested.

To opt in or out of Wallit sending you notifications based on your location:

  1. Tap Home on the bottom navigation bar
  2. Tap Settings
  3. Under Push Notifications, adjust the toggle by tapping it red (yes) or white (no).

Card-linked reimbursements

How do employees receive reimbursements?

Employees connect their checking account to link their existing debit card and Wallit automatically deposits funds when the purchase is elithat is easy to skimgible for a reimbursement

What do I do if a wellness purchase doesn’t automatically get validated?

If you believe a purchase should have been validated in one of your wellspaces approved categories, you can submit a request within the Wallit app to report the transaction so we can investigate and validate the specific purchase. You can also report it by contacting us.

What do I do if I bought a product or service that should be reimbursed, but wasn’t at an approved merchant?

Please contact us to report the transaction so we can validate the specific purchase.

Does my employer see my purchase transactions?

No, your company does not have access to your personal checking account or debit card transactions. Wallit's card-linked program enables cash back and allowance reimbursements on your existing debit card, in what we refer to as BYOC - or bring your own card to work.

Who funds the cash back for reimbursements?

Your manager or company funds the reimbursements as a organizational wellness benefit.

Does my unused monthly allowance carry over to the following month?

Yes! Any unused portion of your monthly allowance will be accrued and carried over to the following month. You may also instruct Wallit to pause automatic reimbursements to apply your Wallit dollars to your savings goals.

What are the available wellness categories in Wallit?

The following 17 wellness categories are available for your wellspace: Food & Grocery, Family Care, Health & Wellness, Work From Home Essentials, Pet Care, Mobile Phone, Internet, Mental Wellness, Meal Delivery, Learning & Development, Footwear & Apparel, Events & Experiences, Charitable Giving, Finance, Commuter, Home & Life, Travel.

What are the tax implications of Wallit?

It depends on how your company policy and procedures. Some of our clients categorize the Wallit dollars as taxable income while others do not. Wallit’s reporting can be organized by taxability based on IRS tax classifications, so employees and employers can be compliant. Your accountant or professional tax filer will be the best person to consult since rules vary by location, company, and employee. We’re happy to put you in touch with our tax consultants for additional support.

Card-linked offers

How do I earn cashback?

You can earn cashback by making eligible purchases at participating retailers with your linked debit card to the Wallit app. Available offers are shown in the Home (we call this the “Wall”) and Offer sections of the Wallit app. Cashback on purchases will show in your Activity feed, but the amount is not disbursed to your Wallit balance until the charge is completed by the merchant and your financial institution. Once the transaction is complete, any earned cashback will be applied to your Wallit balance in your Wallit app.

How do I receive cash back?

You can receive cash back in one of two ways. You can either keep the cash back into your Wallit balance – some people like to keep their cash back rewards and wellness reimbursements in their Wallit as savings and so they don’t spend it – or you can transfer your cash back and wellness reimbursements to your connected checking account.

How long does it take to get cashback?

Transactions typically complete same day, some within 1-3 days, but can take up to 30 days depending on the merchant. Unlike other cash back programs on the market, we have built proprietary technology that enables us to pay cashback instantly. However, some purchases and cashback may take longer to appear in your account. We will pay the reward as soon as your financial institution processes the purchase.

How can I track my cashback?

Cashback on purchases will show in your Activity feed, but the amount is not final until the charge is completed by the merchant and your financial institution. Once the transaction is completed, any earned cashback will be automatically applied to your Wallit account. You can check the status of pending purchases on your connected checking account in the Account tab on the Wallit app.

You can also track your year-to-date and lifetime cashback on your profile page.

Can I earn cashback on online purchases?

Yes! You can earn cash back on any purchases online or in-store at participating retailers. Many offers on the Wallit app include online purchases. We scour the Internet for the best cashback offers from leading brands and retailers. Just use your linked debit card and we’ll stuff the cash in your pocket.

Because each offer is different, you’ll want to view the offer details to see if a specific offer includes cashback on online purchases. You can find offer details in the Home and Offer sections of the Wallit app.

Do offers expire?

Offers are only available when they are present in the Home or Offer sections of your Wallit app. We recommend double-checking your app to make sure a specific offer is still available before making your purchase. The cashback that you receive from completed, eligible transactions will never expire – these funds are placed in your Wallit balance in your Wallit app.

Are there any limits to the amount of cashback I can receive?

Nope. There are no limits, no minimum spending requirements, and no annual cap on earnings either. Each offer is different though, so it’s important to check the terms for each offer. For more information on a specific offer, you can check the offer details and terms by tapping the offer in the Home and Offer sections of the Wallit app.

Do I need to show a coupon or a receipt?

No. When you shop online or in-store with your linked debit card you automatically earn cash back on eligible purchases. No clipping coupons, no receipts, no fumbling at the register. Just use your debit card as you normally would and get automatic cash back.

Can I keep cash back for refunds and returned purchases?

Unfortunately, no. The cash back amount will be adjusted to reflect refunds and returned purchases.

Why do I need to connect my bank account?

You connect your account so that we can provide you with real-time budgeting and cash back rewards. We keep track of your debit card purchases to automatically give you cash back for everything you buy at participating brands, retailers and local merchants.

Plus, your bank information powers the real-time, automatic budgeting feature in the Wallit app where you can see all your accounts and transactions together in one place, plan for upcoming bills, and confidently know what’s okay to spend.

I have several bank accounts. Which should I connect?

You should connect the checking account where your paycheck gets direct deposited. If your pay is deposited into multiple accounts, connect the account that receives the largest deposits. You can connect additional bank accounts, but it is important to connect your primary account with the debit card that you use most often.

How many debit cards can I link?

As many as you like to use! There is no limit to the number of debit cards you can add.

Why can’t I add my credit card?

At this time, Wallit only supports debit cards for paying cash back on purchases at our participating merchant partners. There are multiple reasons for this and we’ll share three major ones:

  1. It’s what our target users want. Many of our Savers prefer to only use debit cards for their everyday purchases because they don’t want to spend more than they can afford or risk avoid overspending, which is common with credit cards.
  2. Surging credit card debt. We’re are determined to help Americans overcome the more than $1 trillion in credit card debt. With more than half (55%) of Americans carrying a monthly balance on their credit cards, this is a huge issue and a massive burden for millions of Americans. Many people don’t realize that credit card issuers are simply sharing some of the fees they charge merchants with the consumer. Their goal is to incentivize people to use their credit cards when making payments rather than debit cards, which earns credit card issuers (and merchants – see reason #3 below) much less in fees. The more a consumer uses a credit card, the more merchant fees the credit card company can earn.
  3. Local merchants need our help too. Another major reason for only supporting debit cards is because we want to help our merchant partners save money too! Most people are aware that merchants pay card processing fees, but few people are aware that debit card processing fees can be notably lower than credit card processing fees, which saves the merchants money. If more people use a debit card at their favorite restaurants and retailers, these businesses can save significant amounts of money and pass some of that savings on to you.

How is Wallit different than all those other cash back programs from credit card companies?

For starters, Wallit works similar to credit card rewards and pays cashback directly into your Wallit account, automatically. But unlike credit cards, Wallit cashback exists on a debit card you currently use and does not require any extra steps to redeem cashback offers.

Wallit is helping Americans overcome the more than $1 trillion in credit card debt. With more than half (55%) of Americans carrying a monthly balance on their credit cards, this is a huge issue and a massive burden for millions ofAmericans. Credit card companies make money on interest charges when you do not pay off your balance in full each month and from other fees to cardholders. Those card companies don’t want you to save money; They want you to spend and spend a lot.

In addition, credit card companies make the bulk of their revenue on transaction fees paid by merchants that accept credit cards. Wallit was uniquely created as a cost-effective growth engine to help merchants with customer acquisition as well as to save money on every transaction. Wallit helps local businesses attract new customers and get existing customers spending more and more often via cash back offers on debit card purchases as part of their advertising budget. The card processing fees merchants have to pay on debit transactions are much smaller than those taken out of credit card transactions.

The team at Wallit is determined to put money back into the pockets of millions of people, including businesses. Now is the perfect time to level the playing field. Here’s to worrying about money less and doing what you love more.

Is Wallit like iBotta and Rakuten Rewards programs?

No. Wallit is very different from those companies, which are mostly a variation on the same old affiliate marketing models. They take a commission from brands and advertisers for finding them customers.

Wallit takes a new and innovative approach by helping you keep track of your spending money, i.e. the amount that’s left over after you’ve paid all fixed expenses and set aside some money for savings. Then, Wallit helps you decide how to spend your hard-earned money, by rewarding you with automatic cash back from our merchant partners.

We do this by shifting a portion of our merchant partners’ advertising and marketing budgets (traditionally the majority is wasted) and giving directly to consumers via cash back offers instead. Wallit’s model creates a better connection between our merchants and our members, building trust and loyalty.

Plus, most of the existing apps on the market require you to do more work, such as scan a receipt or opt-in to accept an offer. With nearby Wallit offers, from popular local restaurant and retailers, you don’t have to do a thing once you link your debit cards. Just visit your local Wallit Partner merchants and pay with your debit card. Wallit finds you cash back automatically! For online offers, just tap the Claim button in the app and we’ll take care of the rest!

Money Management

What is SmartBalance?

Besides offering free, automatic cashback, your personal Wallit account comes with access to several built-in saving and budgeting tools designed to help our users automate budgeting, set savings goals and track spending habits. One of those tools is called SmartBalance, and it logs your spending on debit cards and bill payment to give you a more accurate handle on what amount is safe to spend. You don’t have to do anything, but sign up and connect your checking account. Wallit’s real-time automatic budgeting is hands down one of the simplest and most effective ways to know how much money you have to spend at any given time.

How does Wallit’s SmartBalance work?

Wallit tracks the amount of spending you do each month and provides a real-time snapshot of the available money you have to spend after getting paid, factoring in your recurring expenses, so you never spend money earmarked for something else. The app knows what bills to budget for because it automatically identifies them from past transactions in your connected checking account.

It’s very simple, requiring no manual data entry or extra effort like pulling out a calculator or balances a checkbook. SmartBalance takes in your everyday spending and displays it for you in a way that’s easy to understand and helps you to make more informed saving and spending decisions. In general, Wallit updates the amount that is safe to spend, your SmartBalance, three times a day: once in the morning, once around midday, and once in the evening.

What is the difference between my checking account balance and Wallit’s SmartBalance?

Your SmartBalance amount is your checking account balance, minus the amount of money our system has estimated that you need to cover bills and expenses (money you should not spend) based on previous transaction history in your connected checking account. Financial institutions generally provide you with a “collected” or “available” balance that does not reflect money that you need to reserve for paying bills, such as house and car payments and monthly subscriptions.

Security & Privacy

Is Wallit secure?

Yes. Your connection to and from Wallit is secured using multiple types of encryption, controls, and best practices. Wallit’s systems regularly undergo third-party security and compliance audits. Your connection to and from Wallit is secured using 256-bit end-to-end encryption.

Wallit uses your personal information, including your phone number to create and secure your account.

What personal data do you collect and why?

During the sign-up process, we’ll ask you for your full legal name, an email, mailing address and the last 4 digits of your social security number. We use this information to verify your identity so we can link the debit and credit card accounts you would like to link to your Wallit account.

For more information on what information we and our payment partners collect, please see Wallit’s Privacy Policy.

What do I do if I've forgotten my password and/or username?

If you have forgotten your username and/or password, you can reset the password at reset passwordor username at forgot username.

Missing cashback? We can help.

If you believe you are missing cashback for an offer, we can double-check it for you.

First, make sure that the transaction in question is completed, and not pending. Pending transactions will show at the top of your account history in your connected checking account on the Accounts tab in the Wallit app. If your transaction is still pending, you’ll need to wait until it is completed by the merchant and your financial institution before you can receive any cashback.

If the transaction in question is completed, please contact us for help.


Where wellness happens.