Why should I choose the ACE Elite™ Visa® Prepaid Debit Card?

Card usage is subject to card activation and identity verification.1

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The prepaid debit card that has it all.

It can be overwhelming trying to sift through the many prepaid debit card options out there to figure out which one is the best for you. You have to consider features, fees, and overall convenience. We understand it’s tough, which is why we think the ACE Elite Visa Prepaid Debit Card is the best move you can make. You can actually pick the that works for you. The ACE Elite Card is convenient, smart, and comes with incredible tools to help you manage your money.

Get paid faster with Direct Deposit.2

With the ACE Elite Card, you may get paid up to two days faster if you enroll in direct deposit. Your paycheck and government checks (retirement or social security) can all be automatically loaded on your card. Enrolling is as simple as giving a form to your employer or benefits provider. Once you have enrolled and are receiving direct deposits into your Card Account, you can also enjoy the no-fee cash withdrawal feature up to $300 a day at our 950+ ACE store locations nationwide.3 Also, if you’re on a monthly fee plan, receiving a qualifying Direct Deposit greater than $500 will reduce your monthly fee from $9.95 to $5 per month.4

Get rewarded for spending.5

One of the many excellent features the ACE Elite Prepaid Card offers is the Payback RewardsSM program. You can sign up to receive reward offers at various retailers and restaurants via your online account. A great thing to note about the offers you receive is that they are based off your shopping habits. When you log into your Online Account Center, select Payback Rewards from the menu to see the new, active, and redeemed offers available to you. Also, keep in mind that these offers do have expiration dates based off the time period the merchant has set. New offers are brand new offers that can be activated to use at your convenience. Active offers are ones you have already clicked on to use, which means you can shop based on the terms of the offer. You won't gain any rewards from these until you shop. And finally, a redeemed offer is an offer you have used by making a qualifying purchase and complying with the terms specified by the merchant. At the end of the following calendar month that you made the qualifying purchase, a credit will be added to your account. It’s like getting money back for your purchases you already make everyday. Everybody wins!

Get rewarded for saving.

Want to start saving? That’s great! The ACE Elite savings account pays you 5.00% Annual Percentage Yield on balances up to $1,000.6 The account is optional and won’t cost you anything. Plus, there is no minimum balance requirement or monthly fee. The good news is everything you transfer to your savings account is FDIC-insured through the cards issuing bank.7 We make sure that you have peace of mind about your money.

Transfer money when you need to.

Maybe you take care of an elderly parent by sending them money a few times a month? With an ACE Elite Card, you can quickly transfer money between two ACE Elite Cards.8 Do you have a family member or spouse that you want to transfer money to? With this feature, you can help them stay on track with a budget by only transferring the funds they need to their card. Either way, it is great to know that your ACE Elite Card looks out for you and the people you care about as well.

Bank from anywhere.

With the ACE Elite Card, you can bank on-the-go via its smartphone app. Get balance updates, check transaction history, send money to friends or family who use ACE Elite8, transfer money to and from savings, and more! You can also set up Anytime Aerts™ for every transaction, so you’ll always know your account balance, no matter what. You can even text ACE Elite directly to find the nearest reload locations.9

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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.

Learn More About Prepaid Debit Cards

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 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. Faster access to funds is based on comparison of our immediate availability policy versus the typical banking practice of only posting funds after settlement. Direct Deposit and earlier availability of funds are subject to payor's support of this feature and timing of payor's funding. Check with your payor to find out when the direct deposit of funds will start.

  3. 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.

  4. The $5.00 ACE Elite $5 Monthly FeeAdvantage Plan (“FAP”) is optional and includes domestic purchase transaction fees but does not include ATM fees or other fees associated with the use and reloading of the Card Account as described in your Cardholder Agreement. Upon qualifying for the ACE Elite $5 FeeAdvantage Plan, if you are enrolled in the ACE Elite FAP, the discounted Plan Fee takes effect on your next plan Fee assessment date. Eligible Cardholders on the Pay-As-You-Go plan will need to enroll in the ACE Elite FAP to activate the discounted Plan Fee.

  5. Payback RewardsSM is an optional program. This optional offer not a MetaBank product or service nor does MetaBank endorse this offer. You may opt-out at any time by visiting your Payback Rewards Summary Page at your Online Account Center. The reward offers we choose and send to you are based on your shopping habits. NetSpend will not share any personal information about you with the merchants who sponsor offers. When you activate an offer and make a purchase with the card, the merchant will not know you are a Payback Rewards customer, but you will become their customer. For more details about how and when you get rewarded, see the program FAQs, terms and conditions in your Online Account Center. Cash back rewards are credited to your Card Account and are not available in the form of a check or other direct payment method. Program sponsor: NetSpend Corporation. MetaBank and Visa are not affiliated in any way with the program and neither endorses nor sponsors it.

  6. The Savings Account is made available to Cardholders through MetaBank; Member FDIC. To participate in the Savings Account optional 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 January 1, 2017. 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 through MetaBank, Member FDIC 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.


  7. 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.

  8. 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.

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

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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