An ACE Elite™ Visa® Prepaid Debit Card with easy money management features

Getting Started with the ACE Elite™ Card is simple

1
Order a Card
Get a prepaid debit card either online, or by visiting any ACE Cash Express location.
2
Activate
Once you have your card, activate it¹ online, or call 1-877-233-3341.
3
Load Money
Add money at any ACE or NetSpend Reload Location.² Set up direct deposit and have your payroll, government benefits, or tax refund automatically loaded to your Card Account.

Get Paid up to 2 Days Faster³ with Direct Deposit

Get paid up to 2 days faster when you have your payroll or government benefits checks direct deposited to your prepaid debit card. Enroll in direct deposit, and not only will your funds be loaded right to your ACE Elite card, you'll receive it up to 2 days faster.

Manage Your Funds with Minimum Effort and Maximum Flexibility.

There are many ways to use your prepaid debit card. Earn interest on your savings,⁴ earn cash rewards,⁵ and enjoy a purchase cushion (only with $500 in payroll or government benefits direct deposited in a calendar month).⁶

Use everywhere Visa® debit cards are accepted.

The ACE Elite card has Visa Zero Liability Protection⁷ and lets you manage and spend your money without having to worry about cash at stores, in restaurants, or shopping online.

Send Money in Minutes

When your friends and family use ACE Elite, you can transfer money to each other at no cost. It's fast and simple.⁸

Pay Bills Online

You can pay bills such as rent, car payments, cable, internet, phone, or any other bills you have just by using your card to make online payments.⁹

Monitor Your Account Anytime, Anywhere

With our Online Account Center and Mobile App, you can keep track with all of your account information. whether you are at home or on the go.¹⁰

Plus, there are lots of other features available on your card. Learn More >

ACE Cash Express engages in the money transmission business and/or sale of stored value products as an authorized delegate of NetSpend Corporation under Chapter 151 of the Texas Finance Code.

Other costs, terms, and conditions are associated with the use and reloading of this Card Account. For a detailed list of fees, see the Cardholder Agreement.

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.
Fee may be assessed by reload location and may vary from location to location.
Faster funding claim is based on a comparison of our 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 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.
Payback Rewards is an optional program. You may opt-out at any time by visiting the Payback Rewards page in your Online Account Center. Reward offers are based on individual shopping habits. Cash back rewards are credited to your Card Account and are not available in the form of a check or other direct payment method. See the program FAQs and Terms and Conditions in your Online Account Center for additional details about how and when you get rewarded. Program sponsor: Netspend Corporation. MetaBank and Visa are not affiliated in any way with this program and do not endorse or sponsor this program.
The $10 Purchase Cushion is not an extension of credit; it is a courtesy exercised at our discretion. Approved purchase transactions may create up to a $10.00 negative balance on your Card Account. Cardholder is responsible for repayment of any negative balance. See the Cardholder Agreement for details.
The Visa Zero Liability policy covers U.S.-issued cards only and does not apply to ATM transactions, PIN transactions not processed by Visa, or certain commercial card transactions. Cardholder must notify issuer promptly of any unauthorized use. Consult issuer for additional details or visit www.visa.com/security.
No fee for online account-to-account transfers; transaction fees and other costs, terms, and conditions are associated with the use of this card, including a $4.95 fee for each account-to-account transfer facilitated via a live Customer Service Agent. Use of card is also subject to funds availability. See the Cardholder Agreement for details.
Some bill payment services are subject to fees. See the Online Account Center for details about the range of methods offered through third-party service providers.
No charge for this service, but your wireless carrier may charge for messages or data.

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.

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

© 2019 Total System Services, Inc.® All rights reserved worldwide. TSYS® and Netspend are federally registered U.S. service marks of Total System Services, Inc. All other trademarks and service marks belong to their owners.

ACE Elite Plans	ACE Elite Pay-As-You-Go Plan	ACE Elite FeeAdvantage Plan (Monthly)	ACE Elite with Direct Deposit FeeAdvantage Plan⁴ (Monthly)
Cost of Fee Plan	N/A	$9.95	$5.00
Signature Purchase Transactions	$1.00 each	included	included
PIN Purchase Transactions¹	$2.00 each	included	included
Average Cost Per Month	$15.00³	$9.95	$5.00
ATM Cash Withdrawals (Domestic)²	$2.50 each	$2.50 each	$2.50 each

Goodbye to Hidden Fees Fees Related to the Service: Refunds are at par. None of the fees shown are assessed by MetaBank or the Card Association. ATM withdrawals may be subject to varying daily limits at the ATM owner's discretion.	ACE Elite™ Pay-As-You-Go Plan	ACE Elite™ FeeAdvantage™ Plan (Monthly)	ACE Elite™ with Direct Deposit FeeAdvantage™ Plan (Monthly)
Card Purchase Fee	$0	$0	$0
Plan Fee	N/A	$9.95	$5.00* *To be eligible for this optional fee plan, have $500 deposited during one calendar month.
Signature Purchase Transaction Fee	$1.00 each	included	included
PIN Purchase Transaction Fee	$2.00 each	included	included
Balance Inquiry Fee: via toll-free number (automated service) via toll-free number (customer service agent) at ATM online via Anytime Alerts™^**	$0.50 each $0.50 each $0.50 each Free Free	$0.50 each $0.50 each $0.50 each Free Free	$0.50 each $0.50 each $0.50 each Free Free
Bill Payment Fee	In addition to the one or more no-cost bill payment methods made available through third-party service providers, a full range of options and applicable fees appear at the Site.
Stop Payment Fee for Preauthorized Payment	$10.00 each
Domestic ATM Cash Withdrawal	$2.50 per withdrawal, plus ATM owner fees, if any
International ATM Cash Withdrawal	$4.95 per withdrawal, plus ATM owner fees, if any
ATM Transaction Decline Fee	$1.00 each

Direct Deposit	Free
Add cash, checks or withdraw cash at a NetSpend Reload Network location	Convenience fee determined by location
Bank Transfer	Free; transfer fees from the originating bank may apply
Instant Bank Transfer	$5.95 each (deducted from the transferor's debit card account
Account-to-Account Transfer via text message or online	Free; standard text message rates may apply
Account-to-Account Transfer via toll-free number (automated service)	$1.00 each
Account-to-Account Transfer via toll-free number (Customer Service Agent)	$4.95 each

Check or Additional Statement Mailing Fee	$5.95 each
Additional Card Fee	$3.95 each (standard Card)
Additional Card Fee		$4.95 each (custom Card)
Lost, stolen or damaged Card Replacement Fee	$3.95 each (standard Card)
Lost, stolen or damaged Card Replacement Fee		$4.95 each (custom Card)
Account Maintenance Fee	$5.95 per month (fee applies if Card Account has not had any activity, that is, no purchases; no cash withdrawals; no load transactions; or no balance inquiry fee for 90 days)