The only card you’ll ever need, no matter your lifestyle or credit history.

GenieCard Platinum

GenieCard Platinum is a prepaid Visa debit card that comes with its own virtual checking account and a reloadable GiftCard!

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.



No credit check


No employment verification


No bank account needed


FDIC Insured of $250,000

Per GenieCard


Load your GenieCard with up to $5,000 cash per day


Over 100,000 Loading Stations Nationwide


ACH Deposits

Each GenieCard includes its own unique ABA Routing and Account Number for ACH Deposits.


No Credit Check


No Bank Account Needed


FDIC Insurance of $250,000

Per GenieCard

Virtual GenieCard

When you sign up for GenieCard Platinum you can receive and get access to your funds in minutes with your Virtual Genie Card account.
With the Virtual GenieCard you can:


Find ATMs and load locations near you.



Deposit a check, transfer from your bank account or load funds through one of our third-party providers.



Transfer funds to friends, family and any other GenieCard or GenieChecking account via email or cell phone number.



Check your balance and view account history for purchases, transfers and loads.

Genie Reloadable GiftCard

The Genie Reloadable GiftCard is designed for businesses who wish to provide a friendly service to their returning customers.

This service is very simple: their customers use their cell number to pay for their shopping, and since service is a self-contained closed loop system, NO complex banking relationships are needed. Participating merchants can offer their Store-Exclusive Gift cards free of charge, and their customer can use up to five different ways to load funds to their Genie GiftCard.

The Genie Reloadable GiftCard operates on a closed-loop and open-loop system.

In the closed-loop peer-to-peer (P2P) model, customers can send and receive real-time payments from any other Genie GiftCard holder.

In the open-loop model Genie GiftCard holders can send and receive payments face-to-face, online, or by phone from anyone with an email address and a checking account from a conventional bank.

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.