15 Reasons Why You Need a GenieCard Platinum

If you do NOT have a bank account

With GenieCard, you get all of the features you need from a bank account, with none of the hassles. A GenieCard account is perfect for someone just starting out, because you get the ease of ATM access OR VISA purchasing power, right from day one. Each GenieCard comes with its own unique ABA Routing and account number for ACH deposits.

If you have a bank account

If you already have a bank account, what could you possibly need with ANOTHER account like GenieCard? Two words - "limit risk". We all know how clever scamsters and crooks are these days - especially in the area of electronic banking. Fine - just use GenieCard as your low risk account for those times when you question who you're dealing with. By limiting the funds in your GenieCard account, you've completely limited your risk.

If you have NO credit

Just starting out? Haven't established your credit record? No problem! With GenieCard, first timers are just as welcome as old hands. You can have the convenience of either a traditional ATM or a GenieCard VISA card and full access to your money all day, every day. You can get a GenieCard with NO credit check and NO employment verification.

If you have BAD credit

Black marks on your record won't stop you with GenieCard, because there ARE no credit checks. Everything you do with GenieCard is pre-paid, so there's no worry about credit limits, late fees or any of the other irritations of managing debt. Instead, you get the freedom of plastic, without the worry.

If you have good credit

Are you in the upper regions of credit scores? More credit may NOT be what you need - just more convenience. And that's what you get with GenieCard. A GenieCard VISA Debit Card is a great way to separate those special purpose finances that don't belong on your personal credit card, or even on your regular company cards.

If you have NO job

What do you do when you're looking for work, and you need a way to handle your money? Stick cash under your pillow? Certainly not! You keep it in a GenieCard account, so that you have full-time convenience with full-time safety. AND you're ready to go with a place for direct payroll deposit when you get that job offer you're waiting for.

If you have more than one job

GenieCard lets you avoid the worries of juggling multiple paychecks and multiple paydays. Just use direct payroll deposit from any or all of your jobs, and you're ready to go. No paychecks to lose, no frantic runs to the bank. Each GenieCard comes with its own unique ABA Routing and account number for ACH deposits.

If you travel on your job

Ever been on the road on payday, and wondered if your check made it to the bank? Not with GenieCard! With a GenieCard VISA, you know that direct-deposit happens on time, every time. And you also know that every dollar you need is accessible right away, no matter where you are.

If you are retired from your job

Congratulations! You've made it through the working world and come out the other end. Now it's time to relax a bit, and a GenieCard account is the perfect tool. Whether it's your dream to travel the highways and byways seeing the world, or to kick back and fish that little lake hidden in the hills, GenieCard will make sure your money is safe AND accessible when and where you need it.

If you have children away at school

"Mom, Dad? I need money for [books, clothes, library fees, groceries, etc.]!" You name it and students need it. And YOU are going to pay for it. But why pay so much to pay so much? GenieCard can save you boatloads of cash over traditional wire services when you send money to your child away at school.

If you have family members abroad

It may seem quaint or old fashioned to some, but millions of people still send money home to family and friends abroad. And all too often they pay outlandish fees for the privilege. Not with GenieCard! GenieCard lets you send money to your folks for a fraction of what "international transfer" services charge.

If your shopping is local

Just going down to the corner store? Odds are, the corner store now takes VISA, so be prepared with your GenieCard Platinum Visa Debit Card. No hassles with writing checks and no danger with flashing more cash than you meant to - just a quick, magic pass with your GenieCard. You can add funds to your GenieCard at over 100,000 Loading Stations Nationwide, up to $5,000 per day.

If you shop internationally

Shopping on the Internet lets you buy things from any place you want - from Austria to Zimbabwe and everywhere in between. But cash doesn't fit through that modem very well. Use a GenieCard VISA instead! You get the global reach you want, with the security you need.

If you pay cash

Paying cash is fine - cash makes no enemies. But CARRYING cash can make "friends" you don't want. So use your GenieCard Platinum instead. We'll carry the cash for you and you can pull out just what you need when you need it at any ATM.

If you want to charge your purchase

With your GenieCard VISA, you have all the power of a charge card without the downside of mounting bills. Merchants the world over will take your GenieCard VISA, in person, by phone or over the Internet, so there's no limit to what you can buy. But the GenieCard VISA is pre-paid, so there's no fear of piling up debt that will come back to haunt you.

The only card you will ever need no matter
what your lifestyle or credit history.

GenieCard Platinum bridges the gap between traditional,
banking, internet commerce, digital currencies and the
cash economy.Genie Platinum is a prepaid Visa debit card
that comes with its own virtual checking account plus a
reloadable GiftCard! GenieCard Platinum offers the best of
both worlds: the worldwide power of a Visa Card that
can be easily loaded at over 100,000 locations nationwide.

Learn More Get a Card GenieCard Platinum Video

All This With One GenieCard

Genie Platinum is a prepaid Visa debit solution

Worldwide power of a Visa Card that can be loaded at over 100,000 locations nationwide, Get the widest reaching payment system available with the narrowest risk imaginable.

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Genie Platinum is integrated with a virtual checking account

A virtual checking account, accessible from any internet enabled device, that lets you e-mail a check to anyone − including yourself − with absolutely no risk of overdraft, forgery, or any of the other hazards of an old-style checking account.

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Genie Platinum is integrated with a reloadable GiftCard

The Genie Gift Card is a closed loop virtual gift card enabling you to make payments to other members using only your cell phone number and your required text message approvals.

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Some Of Our Services

Direct Deposit
  • NO charge to signup for direct deposit with a safe and secure GenieCard.
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Genie Checking
  • Imagine having checkbook that ties straight into the internet, letting you literally e-mail a check to anyone
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Reloadable GiftCard
  • An alternative solution to a typical credit card and great for un-banked individuals.
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Government Payments
  • Have your Federal Government or benefits payments direct deposited into your GenieCard Account.
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Check 22
  • Send a Check22 - drawn against your own checking account - to anyone, anytime in moments via e-mail.
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Load Locations
  • Over 100,000 easy to load locations nation wide.
  • Learn More>


A better way to save, manage, and spend your money!
Send Money
  • Transfer funds to other cards
  • Send money to friends & family
  • Pay bills
Genie Giftcard
  • Manage your transactions
  • No chargebacks
  • Pay with your cell phone
Genie Checking
  • That ties directly into the Internet
  • E-mail a check to anyone
  • No risk of overdraft, or forgery
Load Locations
  • Over 100,000 load locations nationwide
  • Transfer funds to your GenieCard
  • Find a load location near you
  • Manage your money
  • Check your balance
  • Track purchases
  • Track loads
My Account
  • Login
  • FAQs
  • Request Customer Service
  • Password settings

BY USING THIS CARD YOU AGREE WITH THE TERMS AND CONDITIONS OF THE CARDHOLDER AGREEMENT AND FEE SCHEDULE, IF ANY. The GenieCard Prepaid Visa® Card is issued by Metropolitan Commercial Bank (Member FDIC) pursuant to a license from Visa U.S.A. Inc. "Metropolitan Commercial Bank" and "Metropolitan" are registered trademarks of Metropolitan Commercial Bank ©2014.

IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW CARD ACCOUNT: To help the government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions and their third-party program managers or service providers to obtain, verify, and record information that identifies each person who opens a Card Account. What this means for you: When you open a Card Account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver's license or other identifying documents.