Not Credit, No Credit Fees or Interest – The electronic, checkless, bank account is not a credit account. You cannot overdraft the account. There are no late fees, or overdraft charges. There is no interest to pay.

Does Not Require a Bank Account - There are debit cards that function in much the same manner as our Banquecard, but typically those cards are only issued by banks and tied to a checking/savings account. Most have low maximum limits and high minimum balance requirements. They may even deny you a card based on credit history since adding such a card increases the bank's risk. Banquecard is an electronic, checkless, banking account with no qualifications. No turndowns. Issued to United States residents only.

Easy to Obtain – Purchased from a retail sponsoring location, ordered on-line www.speedymoney.us, or by telephone 1-866-603-3220 and pay a card issuance fee. You can begin using the Banquecard stored value card with a 16-digit number and PIN after loading the account with funds. The card is mailed to his/her United States mailing address. A simple phone call or on-line process activates the card.

Funding Your Account – Loadable at speedymoney retail loading locations. On-line funding available from any checking or savings account. Load with one of our many retailers and receive same day use of your monies. Direct deposit by employers, governmental agencies etc.

Limited Risk of Loss to Cardholder - Many debit cards have limited rights to the cardholder. All sales are cash sales. The fine print may limit your rights to protection from merchant fraud. If you lose that card, your ability to recover your money may be very limited. You may be required to close or change your bank account. With the Banquecard, If you lose your card and properly report the loss (card number and PIN), a new account will be assigned and the monies transferred within minutes. Since there is no bank account tied to our card, there would be no embarrassing stop payment hassles or charges, no check re-issuance, no new checks to print, and no new account procedures.

Funds are Safe – All account funds are held in a trust at FDIC insured banks. Unlike cash, Banquecard funds are very safe. The cardholder can report a stolen or lost card 24 hours a day and the remaining balance will be transferred to a new card, which will be mailed to him/her.

No Minimum Deposit, No Minimum Balance - Banks advertise great deals on accounts as long as you maintain a minimum balance. Often debit cards require a minimum initial deposit and have a small maximum cap amount (usually $1,000.00) at any one time. Banquecard has no minimum deposit, and no minimum balance, a maximum balance of $10,000.00 without a Social Security number and $100,000.00 with a Social Security number. FDIC insured of course. Per day load/withdrawal limits are typically $2,500.00 per day with special programs available.
Use World Wide – When traveling over seas the Banquecard may be used to make withdrawals at ATM machines worldwide

Retailers – Loading Stations – With our Banquecard system any retailer can become a loading station by funding a “Merchant account” with funds and loading card accounts for the cardholder. This is another revenue source and increases profits by selling and loading the cards. The Merchant is offered a flat monthly loading fee, as this is the merchant’s major function.
· No bank account required. Everyone approved

Useable at over 19 million retailers (including on-line merchants), wherever debit cards and VISA cards are accepted.
· Use for car rentals, hotel stays and airline tickets.

Cash access at ATM’s nationwide (with PIN number).
Value loading available at Banquecard retail locations, on-line or by telephone 24 hours a day.
Deposit funds from checking or savings accounts into your Banquecard account.
No minimum balance, maximum balance is 100,000.00 FDIC insured.
Replaceable if lost or stolen (fee applies).
Safe, secure and affordable.
No credit card fraud as card is only good for the value loaded and requires a PIN number for use and funds retrieval.