Get your tax refund faster than a paper check

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

Identity verification is required to use all account features.2

Request a card2

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Get your tax refund faster1 than a paper check

When you choose to have your tax refund direct deposited to your Card, it can arrive faster than a paper check.1 Plus, you can have peace of mind knowing that the funds are FDIC insured through your card’s issuing bank.3

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No-Fee Cash Withdrawals at participating ACE locations4

Make up to $100 per day in cash withdrawals at any of our 925+ participating locations across the nation when you have regular direct deposit activity.4

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Get Paid up to 2 Days Faster5 with Direct Deposit

Get paid up to 2 days faster5 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.5

Visa

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

Pay Bills Online6

You can pay rent, car payments, cable, internet, phone, or any other bills you have just by using your card to make online payments.6

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Manage your money online and on-the-go.7

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.7

FeeAdvantageTM Plan

ACE Elite with Reduced Monthly Fee Plan8

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. Show all Fee Plan Options.

Earn Cash Back on Everyday Purchases

Earn Payback Rewards9

Payback RewardsSM pays you back for many of your everyday purchases - the more you use your card, the more offers at select retailers and restaurants you are eligible to redeem.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.

Powerful Tools for Managing Your Money

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Anytime AlertsTM 7

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

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Send Money to Friends and Family11

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.11

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Optional Savings Account10

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.10

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Purchase Cushion12

We may cover up to $10 over the balance of your card, when you have $500 direct deposited to your card account (payroll or government benefit direct deposits only) in one calendar month.12

  1. Faster access claim is based on comparison of a disbursement via direct deposit vs. disbursement via a mailed paper check. For up-to-date information from the IRS, visit www.irs.gov/refunds.

  2. 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.

  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. 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. Although this feature is available at no additional charge with qualifying direct deposit, certain other transaction fees and costs, terms, and conditions are associated with the use of this Card. Offer subject to change. This optional offer is not a MetaBank, National Association, or Visa product or service nor does MetaBank, N.A., or Visa endorse this offer.

  5. 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.

  6. Bill payments may be subject to fees. Details about bill payment methods are available in the Online Account Center.

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

  8. The Pay-As-You-Go Plan is the default Plan Fee on the Card Account. Cardholder may enroll in the Monthly Plan to pay a flat fee of $9.95 per month instead of paying a fee for every purchase transaction under the Pay-As-You-Go Plan. Neither Plan Fee option includes any other fees. If cardholder receives $500 in payroll or government benefit direct deposits in 1 calendar month, cardholder will qualify for the Reduced Monthly Plan. After qualifying, Monthly Plan Cardholders will receive the Reduced Monthly Plan Fee of $5 on their next Plan Fee assessment date. Pay-As-You-Go Cardholders must enroll in the Reduced Monthly Plan to receive it.

  9. Payback RewardsSM 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, National Association, and Visa are not affiliated in any way with this program and do not endorse or sponsor this program.

  10. The optional Savings Account is made available to Cardholders through MetaBank, National Association; 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 9/1/2020. 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, National Association, will be aggregated up to the coverage limit, currently $250,000.00.


  11. 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.

  12. 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, 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.


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.