The ACE Elite® Visa® Prepaid Debit Card

Manage and control your money on one convenient custom skin1 prepaid debit card.

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Card Skins
ACE Elite Prepaid Cards

 

Subject to card activation and ID verification.2

Download the App

Download and Go

ACE Elite Mobile App3

You can access our ACE Elite login page on the web or the ACE Elite Mobile app3, which is free to download and simple to use. Track your transactions, manage your money, and more.

Image of mobile phone showing transactions
Send Money Icon

Send Money to Friends and Family7

You can transfer funds at no-cost7 to other ACE Elite cardholders with just a few clicks in the Online Account Center or ACE Elite® Mobile App.3

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Anytime Alerts Icon

Anytime Alerts™

Get up-to-date transaction alerts sent to you by email or text message.3

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High Yield Savings Account Icon

Optional High-Yield Savings Account Online8

Open a Tiered Optional Savings Account and earn up to 5.00% Annual Percentage Yield on balances up to $1,000.00. No minimum balance required to open.8

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Direct Deposit Icon

Set Up Direct Deposit

Setting up Direct Deposit to your reloadable card is safer than having your paper check lost, or stolen in the mail, or carrying cash. Choose Direct Deposit for your payroll, government benefits, or tax refund.

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Choose the Best Debit Card for You

Compare the Flare Account® with ACE Elite® Visa® Prepaid Debit Card.

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What Customers Say

How it Works

Order A Card

Get an ACE Elite Card either online, or by visiting any ACE Cash Express location.2

Activate and Verify Your Identity2

Once you have your card, activate it2 online, or call 1-866-387-7363.

Load Money

Add money9 at any ACE location. You can also set up direct deposit and have your payroll, government benefits, or tax refund loaded to your Card Account.

1. Custom Card Fee applies. Picture must meet Image Guidelines. If custom card is lost, stolen, or damaged, any request for: (a) a replacement custom card requires resubmission of image and payment of custom card replacement fee; or (b) a replacement standard card requires payment of standard card replacement fee. See online custom card FAQs as well as the Fee Schedule in the Cardholder Agreement.

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

4. 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.

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. 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 Pathward, National Association, or Visa product or service nor does Pathward, N.A., or Visa endorse this offer.

6. 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.

7. 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.

8. The optional Savings Account is made available to Cardholders through Pathward, 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 with 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 11/15/2024. 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 Pathward, National Association, will be aggregated up to the coverage limit, currently $250,000.00.

9. The ACE Elite Card uses the Netspend Network, which is provided by Ouro Global, Inc. Ouro Global, Inc. is a licensed provider of money transfer services (NMLS ID: 932678). Ouro Global, Inc.'s licenses and related information may be found at www.netspend.com/licenses. Fees, limits, and other restrictions may be imposed by Ouro Global, Inc. and other third parties in connection with use of the Netspend Network.

Apple® and the Apple logo® are trademarks of Apple Inc., registered in the U.S. and other countries. The App Store is a registered trademark of Apple Inc.

Google Play and the Google Play logo are trademarks of Google LLC. 

The ACE Elite® Visa® Prepaid Debit Card is issued by Pathward®, National Association, Member FDIC, pursuant to a license from Visa U.S.A. Inc. Ouro Global, Inc. is a registered agent of Pathward, National Association. Card may be used everywhere Visa debit cards are accepted. 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.

The Flare Account® is a demand deposit account established by Pathward®, National Association, Member FDIC, and the Flare Account Debit Card is issued by Pathward, N.A., pursuant to a license from Visa U.S.A. Inc. Ouro Global, Inc. is a service provider to Pathward, N.A.

© 2024 Ouro Global, Inc.