Direct Deposit

Deposit what you want, when you want.

Deposit your paycheck directly to your GenieCard.

Direct Deposit with GenieCard is fast and easy to set up. Plus, as a direct deposit customer, you’ll receive special promotions. Gone are the days of standing in line for a check or paying fees to get your check cashed.

Receive your deposit up to 4 days faster!

You can deposit all or part of your check and there are no fees for falling below a minimum balance, because there isn’t one!


No Credit Check


No Bank Account Needed


FDIC Insurance of $250,000

Per GenieCard

Deposit your paper checks directly to your GenieCard.

Deposit personal checks, business checks, and money orders, anytime, anywhere, with an INGO MONEY APP, directly from your cell phone, to your GenieCard. 

Choose when you want your money credited to your GenieCard and your checks are as good as cash and safe to spend.

If your check is approved your GenieCard will be credited in minutes. Just take a photo of the front and back of the check and submit the check for review.

Deposit cash directly to your GenieCard.

If you are paid in cash GenieCard has you covered and secure. Load your GenieCard with up to $5,000 cash per day at over 100,000 convenient loading stations nationwide for cash deposits.

Deposit government refunds and other benefits directly to your GenieCard.

Receive your benefits payments faster and more securely with a GenieCard account. 

  • Government Disability Benefits — SSDI or Workers Compensation (varies by state)
  • SSI (Supplemental Security Income)
  • State Unemployment Benefits (varies by state)
  • Railroad Retirement Benefits (RRB)
  • Defense Finance and Accounting Service Payments (DFAS)
  • Veteran’s Benefits
  • Pensioner

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.