The ACE Elite™ Visa® Prepaid Debit Card

Manage and control your money on one convenient card

Identity verification is required to use all account features.1

Request a card1

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 up to 2 Days Faster3 with Direct Deposit

Get paid up to 2 days faster3 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 card, you'll receive it up to 2 days faster.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.

Pay Bills Online

Pay Bills Online

You can pay rent, car payments, cable, internet, phone, or any other bills you have just by using your card to make online payments.5

Manage your money online and on-the-go.

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.6

FeeAdvantageTM Plan

ACE Elite with Direct Deposit FeeAdvantageTM Plan

Make unlimited purchase transactions for only $5 a month.7 To qualify for this low, monthly rate, simply direct deposit $500 or more to your Card Account in one calendar month.

Earn Cash Back on Everyday Purchases

Earn Payback Rewards

Payback RewardsSM pays you back for many of your everyday purchases. The more you use your card, the more offers you will receive, and the more cash back you could get! 8

Powerful Tools for Managing Your Money

Anytime AlertsTM

Get real time transaction alerts sent to you by email or text message.5

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

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

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.

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. 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.

© 2018 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 respective owners.



  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® product or service nor does MetaBank endorse this offer.

  3. 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.

  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. Some bill payment services are subject to fees. See the Online Account Center for details about the range of methods offered through third-party service providers.

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

  7. 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.

  8. 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.

  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 $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 4/1/2018. 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.