Make up to $100 per day in cash withdrawals at any of our 950+ locations when you have regular direct deposit activity.
Get Paid up to 2 Days Faster3 with Direct Deposit
Get paid up to 2 days faster3 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.3
Use everywhere Visa debit cards are accepted.
The ACE Elite card has Visa Zero Liability Protection4 and lets you manage and spend your money without having to worry about cash at stores, in restaurants, or shopping online.
Pay Bills Online
You can pay rent, car payments, cable, internet, phone, or any other bills you have just by using your card to make online payments.5
Manage your money online and on-the-go.
Whether you are at home or on-the-go, you can access all the most important information about your account from our Online Account Center and Mobile App.6
ACE Elite with Direct Deposit FeeAdvantageTM Plan
Make unlimited purchase transactions for only $5 a month.7 To qualify for this low, monthly rate, simply direct deposit $500 or more to your Card Account in one calendar month.
Earn Payback Rewards
Payback RewardsSM pays you back for many of your everyday purchases. The more you use your card, the more offers you will receive, and the more cash back you could get! 8
Powerful Tools for Managing Your Money
Get real time transaction alerts sent to you by email or text message.5
Send Money to Friends and Family
You can transfer funds at no-cost to other ACE Elite cardholders with just a few clicks in the Online Account Center or Mobile App.10
As a cardholder, you can open an Optional Tiered Rate Savings Account. Balances up to $1,000.00 currently earn 5.00% annual percentage yield. No minimum balance required.9
When you have $500 direct deposited to your card account (payroll or government benefit direct deposits only) in one calendar month, we’ll help make life a little easier and may cover up to $10 over the balance of your card.11
Please scroll down for disclosures.
How It Works
See how to add money, use your card, and what it costs.
ACE Elite with Direct Deposit FeeAdvantage Plan4 (Monthly)
Cost of Fee Plan
Signature Purchase Transactions
PIN Purchase Transactions1
Average Cost Per Month
ATM Cash Withdrawals (Domestic)2
Fees may apply to reload your ACE Elite Prepaid Card
1 To get cash back and avoid paying a higher ATM fee, select "debit" and enter your PIN when making a purchase at a retailer. Purchase transaction fee may apply, depending on which fee plan you selected. This option may not be available at all retail locations where the card is accepted.
2 ATM owner fees may also apply.
3 Calculation based on 5 PIN Purchase Transactions and 5 Signature Purchase Transactions.
4 To be eligible for this optional fee plan, have $500 deposited to the ACE Elite Prepaid Card during one calendar month. See Cardholder Agreement for details.
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
*To be eligible for this optional fee plan, have $500 deposited during one calendar month.
Signature Purchase Transaction Fee
PIN Purchase Transaction Fee
Balance Inquiry Fee:
via toll-free number (automated service)
via toll-free number (customer service agent)
via Anytime Alerts™**
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
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
Tip: To avoid the ATM fees, you can get cash back when making purchases using your PIN at many retailers, such as grocery stores.
** Standard data usage or text message rates may apply. Check with your provider.
Add Money To or Withdraw/Transfer Money From Your Account: (Applies to all Cardholders)
Add cash, checks or withdraw cash at a NetSpend Reload Network location
Convenience fee determined by location
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)
Account-to-Account Transfer via toll-free number (Customer Service Agent)
Manage Your Account: (Applies to all Cardholders)
Check or Additional Statement Mailing Fee
Additional Card Fee
$3.95 each (standard Card)
$4.95 each (custom Card)
Lost, stolen or damaged Card Replacement Fee
$3.95 each (standard Card)
$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)