Get your tax refund FAST

The ACE Elite Visa ® Prepaid Debit Card is the quicker way to receive your tax refund!1

Request a card2

Direct Depositing your tax refund is fast, safe,3 and easy.

Not only is it fast to get your tax refund using direct deposit, you can safely direct deposit your refund to your card without fear of losing a paper check. Your funds are FDIC-insured.3

Visa

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.

No-Fee Cash Withdrawals at ACE5

Direct depositing your tax refund allows you to withdraw up to $300 a day at no cost or up to $5,000 per day for a fee at your local ACE store.6

Manage your money online and on-the-go.

Use the ACE Elite Mobile App, and you can see every transaction, manage your money, and use features right from your smartphone.7 With one easy log-in you can see how much of your tax refund remains.

FeeAdvantageTM Plan

ACE Elite with Direct Deposit FeeAdvantage PlanTM

Make unlimited purchase transactions for only $5 a month.8 To qualify for this low, monthly rate, simply direct deposit $500 or more to your Card Account in one calendar month.

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.

Powerful Tools for Managing Your Money

Anytime AlertsTM

Get real time transaction alerts sent to you by email or text message.7

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

Earn 5.00% annual percentage yield on your money with our optional savings account.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

† 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. Tax refund timing is based on IRS estimate. For up-to-date information from the IRS, visit www.irs.gov/. State tax refund times vary.

  2. IMPORTANT INFORMATION FOR OPENING A NEW CARD ACCOUNT: To help the federal government fight the funding of terrorism and money laundering activities, the USA PATRIOT Act requires all financial institutions and their third parties 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, street address, date of birth, and other information that will allow us to identify you. We may also ask to see a copy of your driver's license or other identifying documents. In accordance with federal regulations, until it is activated and registered, a prepaid card is subject to initial load limitations, may not be used for ATM use, international transactions or account-to-account transfers, or be reloaded. Residents of the State of Vermont are ineligible to open a Card Account.

  3. Upon successful activation and registration of the Card Account, funds on deposit at MetaBank, Member FDIC, are insured up to the standard maximum deposit insurance limit. Coverage limit is subject to aggregation of all of Cardholder's funds held on deposit at MetaBank.

  4. The Visa Zero Liability policy covers U.S.-issued cards only and does not apply to ATM transactions, PIN transactions not processed by Visa, or certain commercial card transactions. Cardholder must notify issuer promptly of any unauthorized use. Consult issuer for additional details or visit www.visa.com/security.

  5. Make up to $300 in no fee cash withdrawals per day using the ACE Elite card at participating ACE Cash Express locations; $300 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. Offer subject to change. This optional offer is not a MetaBank® product or service nor does MetaBank endorse this offer.

  6. You may request up to six (6) active Virtual Accounts for each active Card Account. Virtual Accounts are subject to the same fees, limits, terms, and conditions as your Card Account. See your Cardholder Agreement or online Account Center for details.

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

  8. The Pay-As-You-Go Plan ("PAYGO") is automatically effective at the time of Card activation, unless the Cardholder chooses the optional ACE Elite FeeAdvantage Plan ("FAP"). PAYGO and FAP include only domestic purchase transaction fees and do not include ATM fees or any other fees associated with the use and reloading of the Card Account. Upon qualifying for the ACE Elite with Direct Deposit FAP, Cardholders on PAYGO must contact NetSpend to change to the ACE Elite FAP to activate the discounted Monthly Plan Fee.

  9. 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 $5,000.00 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 $5,000.00, the interest rate paid on the portion of the Average Daily Balance which exceeds $5,000.00 will be 0.49% with an APY of 0.50%, and the interest paid on the portion of the Average Daily Balance which is $5,000.00 or less will be 4.91%. The APY for this tier will range from 5.00% to 0.72%, depending on the balance in the account.

    The interest rates and APYs of each tier may change. The APYs were accurate as of November 30, 2015. 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.


  10. 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.

  11. 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 an authorized Independent Sales Organization of MetaBank. This 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 funds availability and ID verification. Transaction fees, terms, and conditions apply to the use and reloading of the Card Account. See the Cardholder Agreement for details.

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