There are NO credit checks, finance charges or bank accounts required. In fact, the the Wealth Capital Card™ is the "better than a bank account" way to deal with your cash. When your funds are stored in an electronic environment, it's highly secure and easy to access as needed. You also have the PIN-based technology that beats signature based cards hands down, due to the reduced risk for fraud and unauthorized transactions. Yet you get the same great convenience of being able to use your card worldwide, 24 hrs. a day at locations that you feel are safe and convenient to your needs.