Prepaid Debit Card

The ACE Elite Alternative to:

Denied Checking Accounts

Credit Cards for Bad Credit

Secured Credit Card

Use it virtually everywhere

For online purchases and at ATMs

Pay bills online

Use it everywhere Visa debit cards are accepted

It's secure and convenient

Funds are FDIC-insured

Choose a unique Personal Identification Number (PIN)

For extra peace of mind, use the Virtual Account feature when shopping online or by phone

1 The USA PATRIOT Act is a Federal law that requires all financial institutions to obtain, verify and record information that identifies each person who opens an account. You will be asked to provide your name, address, date of birth and other  that will allow us to indentify you. You may also be asked to provide documentation and proof of identification.

2 Promotional offer. Standard check-cashing fee(s) apply when cashing for the reload. This offer is only valid for ACE Elite Prepaid Card Cardholders at your local ACE Cash Express store and does not apply to cards activated prior to October 1, 2011. This offer is systematically tracked by ACE Cash Express and expires 30 calendar days from the date card is successfully activated.

3 NetSpend does not assess a fee for this service. Transaction fees, terms, and conditions are associated with the use of the card. See Cardholder Agreement("Agreement") for details.

4 Faster access to funds is based on comparison of traditional banking policies versus electronic direct deposit of payroll checks or government check payments. Other fees may apply.

5 The FeeAdvantage Plan does not include ATM fees or any other fees described in the Agreement. Enrollment in this optional plan is not automatic. If you prefer, you may choose to pay individual purchase transaction fees instead of enrolling in the plan.

6 Make up to $300 in fee-free cash withdrawals per day using the ACE Elite card at any participating ACE Cash Express location; card must have been purchased at a participating ACE store or 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 offer is sponsored by ACE Cash Express, Inc.

7 This benefit is not an extension of credit; it is a non-contractual courtesy. Approved purchase transactions may create up to a $10 negative balance on the Card. Eligible Cardholder is responsible for repayment of any negative balances. See Agreement for details.

8 Netspend does not assess a fee for this service; however, standard text message rates may apply. Check with your provider for details. Other fees may apply.

9 No fee for account-to-account transfers; transaction fees and other costs, terms, and conditions are associated with the use of this card. Use of card is also subject to funds availability. See the Agreement for details.

10 Funds are FDIC-insured up to the current coverage limit upon registration of card that occurs when cardholder's identity is verified.

11 This is an optional program featuring reward offers selected by NetSpend. Offers are based on cardholder's shopping history. NetSpend will not share your personal information with merchants. Rewards are credited to the card account. See Terms and/or opt-out at any time by visiting the online Rewards Program Summary Page.

12 ACE Cash Express and NetSpend donate a percentage of every transaction to the National Breast Cancer Foundation, up to $350,000 per annum.


ACE Elite™ Visa Prepaid Cards are issued by MetaBank™, pursuant to a license from Visa USA Inc. NetSpend is an authorized Independent Sales Organization of MetaBank. Use of card subject to funds availability. Transaction fees, terms, and conditions apply. See Agreement for complete details.


ACE Cash Express Inc. is a leading retailer of financial services, including payday loans, consumer loans, check cashing, bill payment and prepaid debit card services. ACE is the largest owner and operator of check cashing stores in the United States and the second largest owner and operator of short-term consumer loan stores in the United States.