GenieCard Platinum bridges the gap between traditional banking, internet commerce, digital currencies and the cash economy, by integrating your prepaid Visa debit card with your cell phone number and your virtual GenieChecking account.

Get the widest reaching payment system available with the narrowest risk imaginable - a prepaid Visa Debit card for the age of internet banking and digital currency.

Why buy an old-fashioned prepaid debit card, load money onto the card at some inconvenient place, and then let that money sit there uselessly until you spend it?

Instead, get the GenieCard Platinum! 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 loaded at over 100,000 locations nationwide with GenieChecking, a virtual checking account, accessible from any internet enabled device, that lets you e-mail a check to anyone − including yourselfwith absolutely no risk of overdraft, forgery, or any of the other hazards of an old-style checking account. The Genie Gift Card is a closed loop card enabling you to make payments to other members using only your cell phone number and your required text message approvals.

Get Your Own GenieCard Platinum
with a GenieChecking Account

  • NO Credit check
  • NO employment verification
  • NO bank account needed
  • FDIC Insurance of $250,000 per GenieCard
  • You can load your GenieCard with ACH, Venmo, or PayPal.
  • Direct Deposit your paycheck right to your GenieCard We accept paychecks, tax refunds, Social Security Payments
  • Each GenieCard includes its own unique ABA Routing and Account Number for ACH Deposits
Pick the plan that works best for you.
  1. Virtual GenieCard with a Virtual GenieChecking Account: $3.00 per month.
  2. Personalized GenieCard Platinum with a Virtual GenieChecking Account: $4.95 per month.
  3. Premium Combination - Virtual and Personalized GenieCard with a Virtual Checking account: $6.95 per month.
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The GenieCard has been issued to you 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. The Program Manager for the GenieCard is PAL Card Minnesota, LLC. By using the GenieCard you agree with the Terms and Conditions of the Cardholder Agreement and fee schedule, if any. The GenieCard is nontransferable, and it may be canceled, repossessed, or revoked at any time without prior notice subject to applicable law.

*The USA PATRIOT Act is a Federal law that requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. You will be asked to provide your name, address, date of birth, and other information that will allow us to identify you. You will be asked to provide your name, address, date of birth, and Social Security Number which will allow us to identify you. "100% Approval" and "No one is Turned Down" is contingent upon successfully passing this mandatory identification confirmation.

**Faster access to funds is based on comparison of traditional banking policies and deposit of paper checks from employers and government agencies versus deposits made electronically.