Un-Banked Households & Un-Banked Merchants

Un-Banked Households and Un-Banked Merchants

7.7% of U.S. households are un-banked and 20% of U.S. households are under-banked (FDIC survey, October 2014). The new trend of un-banked merchants having to deal with cash is creating an environment rich with both opportunities and problems. GenieChecking is the solution!

Imagine having a check book that ties straight into the internet, letting you literally e-mail a check to anyone - including yourself - with absolutely no risk of overdraft, forgery, or any of the other risks of an old-style checking account. Fully negotiable checks, payable against the funds in your Genie CashBox.

GenieChecks may be printed and deposited as an ordinary check, negotiated in person at a participating financial institution, sent as e-mail attachments to third parties, printed and mailed to third parties by either by you or by AllCom, or printed and deposited electronically using any financial institutions “smart-phone” or other electronic deposit application.

It is Easy To Qualify for an account:
  1. NO Activation Fee
  2. NO Monthly Fee
  3. NO Credit Check
  4. NO Employment Verification
  5. NO Credit Card needed
  6. NO Bank Account needed
GenieChecking is included in the Genie Gateway which is currently being introduced to merchants at a disruptive price point of $9.95 per month, with a $1 trial period for the first month.

Activate a Genie of your choice in three (3) minutes
GenieChecking GenieCard
Merchant Agent
Sign Up Now for your FREE GenieChecking and GenieCard

GenieCard Information


The GenieCard is Private, Convenient and Secure


The GenieCard can change your buying process completely. And it's easy to get; everyone over the age of 18, with a valid checking account at any U.S. bank can qualify. There are:

  1. NO Activation Fee
  2. NO Monthly Fee
  3. NO credit check
  4. NO employment verification
  5. NO credit card needed
  6. Merchants get paid in Real-Time
If a merchant you buy from is a member of the Genie Club, chances are that he or she can give you an envelope containing a non-activated GenieCard, along with all the instructions you need to activate your FREE debit card.