ESSENCE Festival

Contest Highlights

Get and load an eligible participating ACE Elite™ Visa Prepaid Debit Card12 through June 15, 2012 and you'll be automatically entered for a chance to win your very own dance party in your city.

Grand prize:

  • Evening dance party for winner and 10 friends
  • Chauffeured transportation to and from the event
  • $1,000 loaded to the winner's Visa Prepaid card


Learn more
No purchase or obligation
necessary to enter or win13

The best features — all in one reloadable prepaid debit card

Exclusive benefits for direct depositors

Get Paid Faster with Free Direct Deposit14

Get paid up to two days faster when you have your payroll or government benefits checks direct deposited to your prepaid debit card.4

$5 FeeAdvantage™ Plan

This optional plan lets you make unlimited purchase transactions each month. To qualify for this low, monthly rate, arrange the direct deposit of $500 or more to your card account during just one calendar month.5 Show all Fee Plan Options.

No-Fee Cash Withdrawals14

With monthly direct deposit activity, you can make up to $300 per day in no-fee cash withdrawals at ACE Cash Express locations.6

No-Fee $10 Purchase Cushion14

We'll spot you up to $10 – for no added fee.7 To qualify for this courtesy, have $500 direct deposited to your card account in one calendar month.

Benefits for all cardholders

Simple Money Management

Enroll in free3 Anytime Alerts™ to send or receive text messages about your prepaid card activity.8

Cardholder-to-Cardholder Transfers

Send funds through a text message or online using the "Send Funds" button.9


The money on your card will be FDIC-insured once the card account is registered.7

Reward Program

Get paid back for many of your everyday purchases — automatically.11

With this ACE Elite card, you can say:

  • Goodbye, hidden fees
  • Goodbye, long deposit holds
  • Goodbye, confusing fee plans
  • Goodbye, minimum balance

Learn more about the plans and fees

The ACE Elite Alternative to:

Denied Checking Accounts

Credit Cards for Bad Credit

Secured Credit Card

Use it virtually everywhere

For online purchases and at ATMs

Pay bills online

Use it everywhere Visa debit cards are accepted

It's secure and convenient

Funds are FDIC-insured

Choose a unique Personal Identification Number (PIN)

For extra peace of mind, use the Virtual Account feature when shopping online or by phone

1 The USA PATRIOT Act is a federal law that requires all financial institutions to obtain, verify, and record information that identifies each person who opens a Card Account. When you open a Card Account, we will ask for your name, address, date of birth, and other information that will allow the financial institution to reasonably identify you. We may also ask to see your driver's license or other identifying documents at any time.

2 Promotional offer. Standard check-cashing fee(s) apply when cashing for the reload. This offer is only valid for ACE Elite Prepaid Card Cardholders at your local ACE Cash Express store and does not apply to cards activated prior to October 1, 2011. This offer is systematically tracked by ACE Cash Express and expires 30 calendar days from the date card is successfully activated.

3 NetSpend does not assess a fee for this service. Transaction fees, terms, and conditions are associated with the use of the card. See Cardholder Agreement("Agreement") for details.

4 Faster access to funds is based on comparison of traditional banking policies versus electronic direct deposit of payroll checks or government check payments. Other fees may apply.

5 The FeeAdvantage Plan does not include ATM fees or any other fees described in the Agreement. Enrollment in this optional plan is not automatic. If you prefer, you may choose to pay individual purchase transaction fees instead of enrolling in the plan.

6 Make up to $300 in fee-free cash withdrawals per day using the ACE Elite card at any participating ACE Cash Express location; card must have been purchased at a participating ACE store or 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 offer is sponsored by ACE Cash Express, Inc.

7 This benefit is not an extension of credit; it is a non-contractual courtesy. Approved purchase transactions may create up to a $10 negative balance on the Card. Eligible Cardholder is responsible for repayment of any negative balances. See Agreement for details.

8 NetSpend does not assess a fee for this service; however, standard text message rates may apply. Check with your provider for details. Other fees may apply.

9 No fee for account-to-account transfers; transaction fees and other costs, terms, and conditions are associated with the use of this card. Use of card is also subject to funds availability. See the Agreement for details.

10 Funds are FDIC-insured up to the current coverage limit upon registration of card that occurs when cardholder's identity is verified.

11 This is an optional program featuring reward offers selected by NetSpend. Offers are based on cardholder's shopping history. NetSpend will not share your personal information with merchants. Rewards are credited to the card account. See Terms and/or opt-out at any time by visiting the online Rewards Program Summary Page.

12 All reloadable Visa Prepaid cards and Visa Payroll cards from a participating provider are eligible for entry in the sweepstakes. The following Visa Prepaid cards are excluded from entry in the sweepstakes: Visa Buxx, Visa Gift card, Visa Healthcare cards, Visa Incentive cards, and Visa Travel Money.

13 NO PURCHASE OR OBLIGATION NECESSARY TO ENTER OR WIN THE VISA PREPAID 2012 ESSENCE MUSIC FESTIVAL® SWEEPSTAKES. An eligible Visa Prepaid card and Visa Payroll card is a reloadable card from a participating provider. Open to legal U.S. residents 18 years or older as of 4/13/2012. Sweepstakes ends 6/15/2012 at 11:59:59 PM PT. For complete details on Non-Purchase Entries, see Official Rules at

14 While this feature is available for free, certain other transaction fees and costs, terms, and conditions are associated with the use of this Card. See the cardholder agreement for more details.


ACE Elite™ Visa Prepaid Cards are issued by MetaBank™, Member FDIC, pursuant to a license by Visa USA Inc. This program is administered by NetSpend, an Independent Sales Organization of MetaBank. Use of card subject to ID verification and funds availability. Transaction fees, terms, and conditions apply. See Agreement for details.


ACE Cash Express Inc. is a leading retailer of financial services, including payday loans, consumer loans, check cashing, bill payment and prepaid debit card services. ACE is the largest owner and operator of check cashing stores in the United States and the second largest owner and operator of short-term consumer loan stores in the United States.