The alternative solution for un-banked house holds and un-banked merchants.


With GenieChecking, you get a versatile, digital checking account that is both secure and easy to use.

Shop Online Securely
Genie Gateway enables customers to shop online nationwide and pay by check without sharing your financial information with anyone.

With a GenieCheck, Genie members can transfer funds from their Genie CashBox to their own bank account or send a payment to anyone else — member or not.

  • Deposit it immediately into your own Genie CashBox
  • Email it to any recipient, who can then deposit it into their bank account
  • Print it on most printers (color printers are best) and deposit as a traditional check

The Genie CashBox is an extremely robust eWallet with a Virtual Checking Account (GenieChecking) that integrates with your GenieCard Platinum Visa Debit Card, enabling you to transfer funds from one account to the other in real-time. GenieChecks can be utilized to pay bills via email to anyone with an email address nationwide.


No Credit Check


No Bank Account Needed


FDIC Insurance of $250,000

Per GenieCard


Check22 is designed to fundamentally alter the merchant/consumer relationship as it exists today by giving power to the payer.

In 2003, the U.S. Congress enacted a federal law called Check 21 that allows the recipient of a paper check to create a digital version of the original check. This digital electronic format is called a substitute check. Check22 is the next step. We’ve changed the process from a Debit (grab) transaction to a Push transaction where the payer decides when and how much they wish to pay.

You can send your own Check22 payments in just moments — drawn against your own checking account — to anyone you want, whenever you want.

How It Works

Once you activate your GenieChecking account you can create your own Check22. Just provide a few details about your existing checking account, and we will prepare your Check22 as an electronic substitute check.

Email it or print and mail it. When your payee deposits your Check22, it will be charged to your regular checking account at the bank you provided. Just like any other check you write!

GenieCard Plans for Individuals & Businesses

The GenieCard will be 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. 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 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.