Money Management Tools on the ACE Elite™ Visa® Prepaid Debit Card

Our features make managing your money simple

Request a card1

Manage Your Money

From adding money to the card, to keeping up with your account, we’ve got you covered.

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Direct Deposit

The smart way to add money

Get paid up to 2 days faster with direct deposit.2 Have your payroll and government benefits payments automatically loaded onto your card and you’ll never have to worry about your cash or checks being lost or stolen. Enrolling is as simple as giving a form to your employer or benefits provider. Your deposits are FDIC-insured.3

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Anytime AlertsTM

Track your account on the go

Get your balance and other details, no matter where you are.4 Receive transaction alerts by text or email as soon as they happen, or use on-demand alerts for real-time alerts on your balance. If you’re not interested in real-time alerts, sign up for daily or weekly account alerts instead. Plus, with the ACE Elite mobile app, you can find the nearest ACE Cash location to you while you’re on the go.

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No-Fee Cash Withdrawals at ACE5

Keep more of your money

When you have regular direct deposits to your account, you are eligible for no-cost cash withdrawals of up to $100 per day at any of the 950+ ACE stores nationwide.

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Mobile App

Account details on-the-go

Manage your money from virtually anywhere with the ACE Elite mobile app.4 Available for iPhone and Android, you can use your app to get your balance, check your most recent purchases, see a list of the closest reload locations, and more.

Get Something Back

With your ACE Elite™ Visa Prepaid Debit Card, your money can work for you.

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5.00% Annual Percentage Yield Savings Account6

Grow your money

It’s never too late to start saving, and with our optional, no cost savings account, your savings will grow as well! Our account offers a 5.00% annual percentage yield, and there is no minimum balance requirement or monthly fee.

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Payback RewardsSM

Special offers, just for you

Earn cash rewards for your everyday purchases at stores and restaurants all over the country.7 Just select the offers we’ve specially selected for you, and then use your card at that location. We’ll add the money to your card account! It’s that simple.

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Purchase Cushion

A little help when you need it

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.8 There’s no extra charge, and no hidden fees. We’ll just deduct the extra amount the next time you add money to your card.

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 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. 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.

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

  5. 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 or Visa product or service nor does MetaBank or Visa endorse this offer. While this feature is available at no additional charge with qualifying direct deposit activity, certain other transaction fees and costs, terms, and conditions are associated with the use of this Card. See the cardholder agreement for more details.

  6. 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 4/1/2019. 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.


  7. Payback Rewards 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 and Visa are not affiliated in any way with this program and do not endorse or sponsor this program.

  8. 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.

© 2019 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 owners.