1st OPUS

1st OPUS App
1st OPUS is a fully digital fintech platform that allows access to financial services without visiting a brick-and-mortar bank branch.
Get your FDIC insured for up to $250,000.00, secure spending ACH account, and contactless 1st OPUS Prepaid Visa® in less than five minutes with 1st OPUS. Send and receive money transfers instantly, worldwide, free of charge. Enjoy dozens of handy tools for better use of your money.
Up to Five Contactless Physical and Virtual Prepaid Cards, Apple Pay & Google Pay enabled
Spend money 24/7 at millions of merchant locations and websites in 200 countries and territories globally with contactless Google Pay and Apple Pay-enabled 1st OPUS Prepaid Visa®.
Upon approval, provide up to five cards for your family and manage cards conveniently within a single secure application.
Instant secure transactions and zero fees
Enjoy instant card-to-card transfers between users and send up to $5000 a day with no hassle or fees.
Top up your balance with ease
1st OPUS provides highly effective tools to top up your account and card balance.
Feel free to replenish your balance instantly with direct deposit, load by card, cash+, or Paypal.
ATM Locator and Easy Cash Loading
Find the nearest ATM or merchant to withdraw your money or, where available, top up your balance with cash cost-effectively.
Request money via the link, QR code, or phone number
Request money from anyone worldwide with a few clicks and send quick reminders when needed.
Favorites
Save favorite recipients' banking information and make transfers in a few clicks with no need to remember their account info.
Scheduled payments
Schedule recurring and regular payments and make them happen automatically at the desired time and date.
Early payday
Get salary up to two days earlier with direct deposit.
Protect money with your biometry and FDIC insurance
Keep your account secure from hackers with the passwordless biometric verification feature. Log in and confirm operations with your face scan or fingerprint signature.
Get extra protection with the FDIC insurance program for up to $250,000.00.
Stay in control of your money
Analyze and manage spending, set limits, hide balance, block cards remotely, and much more through a user-friendly interface and numerous money management tools.
Frictionless online registration
Complete our user-friendly online registration in less than five minutes.
Get instant access to your account and start using your money efficiently.
Friendly Support
Our customer support team is always friendly and ready to answer all of your questions via chat, phone, or email.
How to start
Install the application. Download 1st OPUS to your device.
Register. Provide your ID documents, take a selfie, and provide basic information about yourself.
Choose a plan. You can choose the plan and rate which will be most comfortable for you.
Use services anytime. Enjoy the benefits of using 1st OPUS Prepaid Visa® and the US ACH spending account globally 24/7.
1st OPUS Prepaid Visa® Issuer Statement
1st OPUS is a financial technology company, not a bank.
Banking services are provided by Metropolitan Commercial Bank; Member FDIC.
The 1st OPUS Prepaid Visa Card is issued by Metropolitan Commercial Bank (Member FDIC) pursuant to a license from Visa U.S.A. Inc. "Metropolitan Commercial Bank" and "Metropolitan" are registered trademarks of Metropolitan Commercial Bank.
By using this card, you agree with the terms and conditions of the cardholder agreement and fee schedule, if any.