• U. S. Residents 18 years of age and over with and without established credit
• Those without bank accounts or credit cards who want the convenience and money-saving ease of on-time payment by phone or in person
• Employees who prefer direct deposit of their paychecks instead of waiting in long lines to pay exorbitant check cashing fees and additional high fees for cashiers' checks.
• Those who wish to share funds with family members around the world.
• Those listed on Chexsystem, which indicates an undesirable credit risk.
• College Students

What Are the Cardholder Benefits?

• Considerable costs savings and affordability
• Convenience
• No interest charges since no debt is incurred.
• No credit history or credit approval required
• Safe, can be used to obtain cash at over 1 million ATM's in the U.S.
• Accepted at over 30 million locations worldwide
• Issued by one of the largest financial institutions in the world
• Money management tools and the development of credit worthiness
• Financial and debt management education
• MAGICCash is backed by Magic Card™ partners who are leaders in their respective industries
• Lost or stolen card replacement
• Payroll direct deposit
• Personal account information accessible on a secure website with personalized password (PIN)
• FDIC insured
• Additional family cards
• Online balance and reporting
• Monthly account statements on active accounts
• Secure funds that can be loaded at any one of tens of thousands of the participating retailers conveniently located throughout the U.S.
• Affinity products and discounts
• A means to improve or establish credit
• Serves as a credit card substitute to provide payment for car rentals, hotels, airline tickets, Internet purchases, and other places where cash is not a welcome means of payment
• Transactions are confidential and processed under the highest standards for speed and accuracy.