Enter any of these names when you create a new profile and you will have Speedbucks in the bank to buy cars and tracks. You can change the profile name later and still retain any cars or tracks and Speedbucks.

Password - Effect

MASTERCARD - 10,000 Speedbucks
EC - 100 Speedbucks
AmEx - 100,000 Speedbucks
Visa - 1,000 Speedbucks