yes i have seen that those commercials, i watch tv all the time, but i hope noone finds this joke offensive but its related to cards being in girly panties.
Theres three guys at a stripclub. A white guy a black guy and a jewish guy. Theres a chick dancing in front of them and the white guy pulls a dollar bill, licks it and puts it on her right breast. The black guy is enjoying her dancing so he gets a dollar bill, licks it and puts it on her left breast. So the jewish guy pulls his atm card out slides it between her legs and grabs the two bills.