It gives the cardholder the safety and low cost of a debit card but the purchasing power and convenience of a credit card: All Applicants Approved - Banquecard can be issued without the formal opening of a bank account and without bank approval. All applicants are issued cards.

Funds are Safe - All account funds are held in trust at FDIC insured banks.

Easy to Obtain - Card applicants fill out a simple form by mail, Internet, or a local retailer and pay a card issuance fee. The cards are embossed with the cardholder’s name and mailed to his/ her United States address. A simple phone call or on-line process activates the card.

Direct Deposit - Funds can be deposited by an employer in the same manner as direct deposit to bank accounts. Government benefits may also be deposited to the Banquecard.

Cash Loading - Funds can be deposited directly through any of our cash loading retailers Nationwide.

Loading Funds - Money can be conveniently loaded into the Banquecard account from a checking or savings account. loadable at retail locations, by phone with a toll free number, or on-line. Add funds from anywhere there’s a computer or from any telephone-at home, at work-any time, day or night.

Cash at All ATM’s - Funds may be withdrawn at ATM machines worldwide. A 4-digit PIN code is used for these transactions. Simply select the Debit/Checking selection on the ATM Machine. These are not high-cost cash advance transactions.

Use like a Credit Card - With VISA Merchants -The cardholder may use the Banquecard™ VISA™ to make merchandise or services purchases at any merchant displaying the VISA logo. No PIN code is required for the VISA transactions.

Shop or Pay Bills - On the Web or by Phone - The cardholder may use the Banquecard™ VISA™ for Internet online purchases. You may also pay bills via telephone or shop via telephone from catalogs.

Use Worldwide - When traveling overseas, the Banquecard VISA™ may be used to make withdrawals with ATM machines, worldwide.

Not Credit -No Credit Card Fees - The electronic bank account is not a credit account. The cardholder may only withdraw funds or make purchases up to the balance on the card. You cannot overdraft the account. There are no late fees, or payments required.

Your Cash is Safe - Unlike cash, Banquecard™ VISA™ is 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.