How Do I Get a Prepaid Debit Card?

Learn everything you need to know about the ACE Elite™ Prepaid Debit Card.

Request a card1

Request an ACE Elite™ Prepaid Debit Card in minutes.

It only takes a few minutes to fill out an online form for a prepaid debit card. Once you complete the online application, you will receive your card through the mail in about 7 to 10 business days. Keep in mind you need to activate your card and verify your identity before you can start using your card.1

What do I need to get started?

The information you will need to fill out your prepaid debit card application is very simple. Our form requires:

  1. First Name, Middle Initial, and Last Name
  2. Your Full Address
  3. Phone Number
  4. Email Address
  5. Social Security Number and Birthdate (These will only be used to verify your identity1.)

What else can I do during the signup process?

While optional, you can start the direct deposit process before your card is even sent to you. Once you complete the signup process and verify your identity, you’ll be shown a pre-filled form you can download and print. Just give this form to your company’s human resources department or benefits provider. This will help you start the process and help you on your way to getting paid up to two days earlier with direct deposit.2

I have my card, now what?

You finally received your card, and now you are ready to start using it. Congrats! Here are the three steps you need to do to get the ball rolling:

  1. Activate and verify your identity. You can activate your card online or by calling customer service at 1-866-387-7363.
  2. Load your card. Need to put money on your card in a hurry? The Reload Center Locator helps you find the lowest-cost locations nearest to you3. You can also enroll in direct deposit and have your payroll, government benefits, or tax refund sent directly to your card.
  3. Use your card. Use your card to send money to other cardholders4, pay bills online5, or conveniently swipe at the register.
Requesting for a prepaid debit card is a cinch, but maybe you’re still wondering how to load it. Learn more about the many ways you can load money onto your ACE Elite™ Card.

How It Works

See how to add money, use your card, and what it costs.

Card Features

Learn about the tools that make your card so powerful.

Learn More About Prepaid Debit Cards

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.

  1. 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.

  2. 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.

  3. Fee may be assessed by reload location and may vary from location to location.

  4. 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.

  5. 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.

The ACE Elite Visa Prepaid Debit Card is issued by MetaBank, National Association, Member FDIC, pursuant to a license from Visa U.S.A. Inc. Netspend is a registered agent of MetaBank, National Association. 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.

© 2021 Netspend Corporation. All rights reserved worldwide. Netspend is the federally registered U.S. service mark of Netspend Corporation. All other trademarks and service marks belong to their owners.