Popular Features. Better Control. The ACE Flare^™ Account by MetaBank^® - A bank account designed for you!^* Account opening subject to identity verification.*

Popular Features.

No-Fee Cash Withdrawals¹

Withdraw up to $400 in cash per day without a fee at participating ACE locations when you have qualifying Direct Deposit activity.

Earn interest on your Flare Account²

As an accountholder, earn 0.01% APY on funds in your Flare Account.

Flat monthly fee plan options³

One monthly fee of $9.95 or $5 with qualifying direct deposit activity.

Better Control.

Use the ACE Flare mobile app⁴

Download the ACE Flare app to manage your money on the go.

Use Anytime Alerts^™

Receive text messages about transactions so you are the first to know when something hits.⁴

Sign up for the Online Account Center

Create budgets, manage your preferences, and more.

Ready to make the Flare Account yours?

Order a personalized card today, and you’ll receive it in the mail in 7-10 business days.
Apply Now

Please scroll down for disclosures.

*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.

1. Make up to $400 in fee-free cash withdrawals per day from your 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. 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 10/1/2019. 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

3. In order to lower your Monthly Fee from $9.95 to $5.00, you must receive direct deposit(s) totaling at least $500.00 to your Account during one (1) calendar month. Upon qualifying, your Monthly Fee will be automatically lowered.

4. No charge for this service, but your wireless carrier may charge for messages or data.

The ACE Flare Account is established by MetaBank, Member FDIC. Netspend, a Global Payments Company, is a service provider to MetaBank. Netspend, a Global Payments Company, is an authorized Independent Sales Organization of MetaBank. Certain products and services may be licensed under U.S. Patent Nos. 6,000,608 and 6,189,787.

© 2020 Global Payments Company. All rights reserved worldwide. Global Payments Company and Netspend are federally registered U.S. service marks of Global Payments Company. 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)

Popular Features.

No-Fee Cash Withdrawals1

Earn interest on your Flare Account2

Flat monthly fee plan options3