ACE has the financial tools to manage your money the way you want.

Select the product that suits you best.

ACE Cash Express offers several options for customers looking to manage their money. Although ACE’s Elite™ Visa® Prepaid Debit Card allows you to manage and control your money on one convenient card, our new ACE Flare™ Account by Metabank® offers additional features. Compare your options and discover which of ACE Cash Express’s products is best for you. If you need any assistance, please call our customer service team or visit one of our 950+ store locations.

*IMPORTANT INFORMATION FOR OPENING A NEW DEPOSIT ACCOUNT: To help the federal government fight the funding of terrorism and money laundering activities, the USA PATRIOT Act requires us to obtain, verify, and record information that identifies each person who opens an Account. WHAT THIS MEANS FOR YOU When you open an Account, we will ask for your name, street address, date of birth, and government ID number. We may also ask to see a copy of your driver’s license or other documents at any time. All Accounts are opened subject to our ability to verify your identity by requiring acceptable types of identification. We may validate the information you provide to us to ensure we have a reasonable belief of your identity. If we are not able to verify your identity to our satisfaction, we will not open your Account or we may close the Account if it was previously funded. Your Account is subject to fraud prevention restrictions at any time, with or without notice.

#IMPORTANT INFORMATION FOR OPENING A CARD ACCOUNT: To help the federal government fight the funding of terrorism and money laundering activities, the USA PATRIOT Act requires us to obtain, verify, and record information that identifies each person who opens a Card Account. WHAT THIS MEANS FOR YOU: When you open a Card Account, we will ask for your name, address, date of birth, and your government ID number. We may also ask to see your driver’s license or other identifying information. Card activation and identity verification required before you can use the Card Account. If your identity is partially verified, full use of the Card Account will be restricted, but you may be able to use the Card Account for in-store purchase transactions. Restrictions include: no ATM withdrawals, international transactions, account-to-account transfers and additional loads. Use of Card Account also subject to fraud prevention restrictions at any time, with or without notice. Residents of Vermont are ineligible to open a Card Account.

Review ACE™ Elite Visa® Prepaid Debit Card Cardholder Agreement or the Flare Account Deposit Account Agreement for full list of fees associated with each product.
  1. Make up to $400 in fee-free cash withdrawals per day from your ACE Flare™ Account by MetaBank® by using your debit card at participating ACE Cash Express locations. $400 total is calculated based on all withdrawals performed at all ACE Cash Express locations visited in a day. A direct deposit (no dollar minimum) made to the account within the immediately preceding 35 days is required. See store for details. Offer subject to change.
  2. Make up to $100 in no fee cash withdrawals per day using the ACE Elite card at participating ACE Cash Express locations; $100 total is calculated based on all withdrawals performed at all ACE Cash Express locations visited in a day. Card must have been obtained at a participating ACE store or www.acecashexpress.com and a direct deposit (no dollar minimum) made to the card within the immediately preceding 35 days is required. See store for details. Offer subject to change. This optional offer is not a MetaBank® or Visa product or service nor does MetaBank or Visa endorse this offer.

  3. The interest rate on your Account is variable and we may change the rate on your Account at any time. The current interest rate on your Account is 0.01% with an Annual Percentage Yield (APY) of 0.01%. APY was accurate as of 2/1/2018. No minimum balance is required to open and maintain a Flare Account or to obtain the disclosed APY. Transaction fees could reduce the interest earned on the Account. The ACE Flare Account is established by MetaBank, Member FDIC. Funds on deposit are FDIC insured through MetaBank. For purposes of FDIC coverage, all funds held on deposit by you at MetaBank will be aggregated up to the coverage limit, currently $250,000.00.

  4. The Savings Account linked to your Flare Account is made available to Accountholders through MetaBank, Member FDIC. To open a Savings Account, consent to receive communications from us in electronic form is required. Interest is calculated on the Average Daily Balance(s) of the Savings Account and is paid quarterly.
    • If the Average Daily Balance is $2,000.00 or less, the interest rate paid on the entire balance will be 5.87% with an annual percentage yield (APY) of 6.00%.
    • If the Average Daily Balance is more than $2,000.00, the interest rate paid on the portion of the Average Daily Balance which exceeds $2,000.00 will be 0.49% with an APY of 0.50%, and the interest paid on the portion of the Average Daily Balance which is $2,000.00 or less will be 5.87%. The APY for this tier will range from 6.00% to 0.60%, depending on the balance in the Account.
    The interest rates and APYs of each tier may change. The APYs were accurate as of 11/1/2019. No minimum balance is required to open Savings Account or obtain the yield(s). However, you must receive direct deposit(s) totaling at least $500 within one (1) calendar month to be eligible to open a Savings Account. Savings Account funds are withdrawn through the Flare Account (maximum 6 such transfers per calendar month) and transaction fees could reduce the interest earned on the Savings Account. Funds on deposit are FDIC-insured through MetaBank, Member FDIC. For purposes of FDIC coverage limit, all funds held on deposit by the accountholder at MetaBank will be aggregated up to the coverage limit, currently $250,000.00.
  5. The Savings Account is made available to Cardholders through MetaBank; Member FDIC. To participate in the Savings Account program, Cardholder must consent to and continue receiving communications from us in electronic form. If Cardholder is subject to Internal Revenue Service backup withholding at the time of the request to open a Savings Account, the request will be declined. Interest is calculated on the Average Daily Balance(s) of the Savings Account and is paid quarterly.
    • If the Average Daily Balance is $1,000.00 or less, the interest rate paid on the entire balance will be 4.91% with an annual percentage yield (APY) of 5.00%.
    • If the Average Daily Balance is more than $1,000.00, the interest rate paid on the portion of the Average Daily Balance which exceeds $1,000.00 will be 0.49% with an APY of 0.50%, and the interest paid on the portion of the Average Daily Balance which is $1,000.00 or less will be 4.91%. The APY for this tier will range from 5.00% to 0.54%, depending on the balance in the account.

    The interest rates and APYs of each tier may change. The APYs were accurate as of 4/1/2019. These are promotional rates and may change without notice pursuant to applicable law. No minimum balance necessary to open Savings Account or obtain the yield(s). Because Savings Account funds are withdrawn through the Card Account (maximum 6 such transfers per calendar month), Card Account transaction fees could reduce the interest earned on the Savings Account. Card Account and Savings Account funds are FDIC-insured upon verification of Cardholder’s identity. For purposes of FDIC coverage limit, all funds held on deposit by the Cardholder at MetaBank will be aggregated up to the coverage limit, currently $250,000.00.


  6. Terms and conditions apply; see the Netspend Pre-Funded Checks Terms and Conditions for details, including how to opt-in to the Netspend Pre-Funded Checks Service. Netspend Pre-Funded Checks is an optional service of Netspend Corporation. The Check Services are not a product of MetaBank, and MetaBank does not endorse or provide bank-related services in connection with the Check Services.

  7. Faster funding claim is based on a comparison of MetaBank's policy of making funds available upon receipt of payment instruction versus the typical banking practice of posting funds at settlement. Fraud prevention restrictions may delay availability of funds with or without notice. Early availability of funds requires payor’s support of direct deposit and is subject to the timing of payor’s payment instruction.

The ACE Flare Account is established by MetaBank, Member FDIC. Netspend, a TSYS® Company, is a service provider to MetaBank. Certain products and services may be licensed under U.S. Patent Nos. 6,000,608 and 6,189,787.

The ACE Elite Visa Prepaid Debit Card is issued by MetaBank®, Member FDIC, pursuant to a license from Visa U.S.A. Inc. Netspend, a TSYS® Company, is a registered agent of MetaBank. The ACE Elite Visa Prepaid Card may be used everywhere Visa debit cards are accepted. Certain products and services may be licensed under U.S. Patent Nos. 6,000,608 and 6,189,787. Use of the Card Account is subject to activation, ID verification, and funds availability. Transaction fees, terms, and conditions apply to the use and reloading of the Card Account. See the Cardholder Agreement for details.


TSYS and Netspend are federally registered U.S. service marks of Total System Services, Inc.

All other trademarks and service marks belong to their respective owners.