ACE Elite™ supports the National Breast Cancer Foundation

Since 2006, ACE, together with Netspend, has donated over $5 million to aid in NBCF's fight against breast cancer. Identity verification is required to use all account features.1

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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 Faster

Enroll in Direct Deposit, and You Can Get Paid Faster3

You no longer have to wait in line to cash your check. When you enroll in no cost direct deposit, your funds will be loaded up to 2 days faster3 directly to your card!

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Access Your Account From the Palm of Your Hand

With our Mobile App,4 you can view your account and manage our most popular account features.

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Transfer Funds5

Send money to other ACE Elite cardholders at no-cost from your Online Account Center or Mobile App.4

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Reward Yourself

We offer you cash back on purchases that you make at select restaurants and stores all over the country.6

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Give back with the Pink ACE Elite Card.

A portion of each purchase made with the Pink ACE Elite Visa Card is donated to the National Breast Cancer Foundation.7

Powerful Tools for Managing Your Money

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Anytime AlertsTM

Get real time transaction alerts sent to you by email or text message.4

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Send Money to Friends and Family5

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.4

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Savings Account

As a cardholder, you can open an Optional Tiered Rate Savings Account. Balances up to $1,000.00 currently earn up to 5.00% annual percentage yield. No minimum balance required.8

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Purchase Cushion

When you have $500 direct deposited to your Card Account (payroll or government benefit direct deposits only) in one calendar month, we may cover up to $10 over the balance of your card.9

Please scroll down for disclosures.

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.

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. Make up to $100 in no fee cash withdrawals per day using the ACE Elite card at participating ACE Cash Express locations; $100 total is calculated based on all withdrawals performed at all ACE Cash Express locations visited in a day. Card must have been obtained at a participating ACE store or www.acecashexpress.com 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 optional offer is not a MetaBank® or Visa product or service nor does MetaBank or Visa endorse this offer.

  3. 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.

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

  5. 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.

  6. Payback Rewards is an optional program. You may opt-out at any time by visiting the Payback Rewards page in your Online Account Center. Reward offers are based on individual shopping habits. Cash back rewards are credited to your Card Account and are not available in the form of a check or other direct payment method. See the program FAQs and Terms and Conditions in your Online Account Center for additional details about how and when you get rewarded. Program sponsor: Netspend Corporation. MetaBank and Visa are not affiliated in any way with this program and do not endorse or sponsor this program.

  7. ACE Cash Express and Netspend donate a percentage of every purchase transaction made with the Pink ACE Flare™ Account by MetaBank® Visa® Debit Card  or Pink ACE Elite Visa Prepaid Debit Card (up to $350,000 per year) to the National Breast Cancer Foundation, a 501(c)(3) organization.

  8. The Savings Account is made available to Cardholders through MetaBank; Member FDIC. To participate in the Savings Account program, Cardholder must consent to and continue receiving communications from us in electronic form. If Cardholder is subject to Internal Revenue Service backup withholding at the time of the request to open a Savings Account, the request will be declined. Interest is calculated on the Average Daily Balance(s) of the Savings Account and is paid quarterly.
    • If the Average Daily Balance is $1,000.00 or less, the interest rate paid on the entire balance will be 4.91% with an annual percentage yield (APY) of 5.00%.
    • If the Average Daily Balance is more than $1,000.00, the interest rate paid on the portion of the Average Daily Balance which exceeds $1,000.00 will be 0.49% with an APY of 0.50%, and the interest paid on the portion of the Average Daily Balance which is $1,000.00 or less will be 4.91%. The APY for this tier will range from 5.00% to 0.54%, depending on the balance in the account.

    The interest rates and APYs of each tier may change. The APYs were accurate as of 4/1/2019. These are promotional rates and may change without notice pursuant to applicable law. No minimum balance necessary to open Savings Account or obtain the yield(s). Because Savings Account funds are withdrawn through the Card Account (maximum 6 such transfers per calendar month), Card Account transaction fees could reduce the interest earned on the Savings Account. Card Account and Savings Account funds are FDIC-insured upon verification of Cardholder’s identity. For purposes of FDIC coverage limit, all funds held on deposit by the Cardholder at MetaBank will be aggregated up to the coverage limit, currently $250,000.00.


  9. The $10 Purchase Cushion is not an extension of credit; it is a courtesy exercised at our discretion. Approved purchase transactions may create up to a $10.00 negative balance on your Card Account. Cardholder is responsible for repayment of any negative balance. See the Cardholder Agreement for details.

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

© 2019 Total System Services, Inc.® All rights reserved worldwide. TSYS® and Netspend are federally registered U.S. service marks of Total System Services, Inc. All other trademarks and service marks belong to their owners.