The ACE Elite^™Visa^®Prepaid Debit Card

Manage and control your money on one convenient prepaid debit card

Subject to card activation and ID verification.¹

No-Fee Cash Withdrawals at ACE²

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™ Visa® Prepaid Debit Card, you'll receive it up to 2 days faster.³

Use everywhere Visa debit cards are accepted.

The ACE Elite^™Visa^®Prepaid Debit Card lets you manage and spend your money without having to worry about carrying cash at stores or in restaurants.

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 FeeAdvantage^TM 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. Show all Fee Plan Options.

Earn Payback Rewards

Payback Rewards^SM 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

Anytime Alerts^TM

Get real time transaction alerts sent to you by email or text message.⁶

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

Savings Account

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

Purchase Cushion

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.

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Card Features

Learn about the tools that make your card so powerful.

See All Features

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)

The ACE Elite™ Visa® Prepaid Debit Card