Prepaid Debit Cards

ACE Elite Prepaid Debit Card

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Features that work hard for you.
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Your ACE EliteTM Card makes it easier.

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Ace Elite Prepaid card features

Direct Deposit

The smartest way to add money

Get paid up to two days faster1 and keep your money safe2 with free3 direct deposit. Have your payroll, government payments, and tax refunds automatically loaded onto your card, so you never have to worry about your cash or checks being lost or stolen. Just fill out and sign a simple enrollment form and give it to your employer. For government payments, call 1-866-675-4224 or go to any ACE store to have your payments set up to go directly onto your card.

Watch this video to learn how to set up direct deposit

You can also upgrade your card account when you have at least $500 direct deposited in one calendar month. You'll get our absolute lowest fee plan - just $5 per month for unlimited purchase transactions - plus if you receive regular direct deposits, you are eligible for premium perks like no-fee cash withdrawals at ACE stores, a $10 purchase cushion,4 and life benefits5.

1Faster access to funds is based on comparison of traditional banking policies versus electronic direct deposit. Direct deposit and faster direct deposit capability is subject to payer's support of the feature and timing of payer's funding. Check with your payer to find out when direct deposit of funds will start.

2Visa's 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 NetSpend of any unauthorized use. Consult NetSpend for additional details or visit www.Visa.com/Security.

3 No fee for direct deposit services, but the cost of other reload services will vary by method and/or location. See the Cardholder Agreement ("Agreement") for complete details about the fees, terms, and conditions associated with the use and reloading of the Card Account.

4 This feature is not an extension of credit; it is a courtesy exercised at our discretion. Approved purchase transactions may create up to a $10 negative balance on the Card Account. Cardholder is responsible for repayment of any negative balances. See the Agreement for details.

5 Life benefits coverage is not automatic. To enroll in the program and maintain eligibility, the Primary Cardholder must be the recipient of regular direct deposit activity; reside in a state where this benefit is available; and meet all other eligibility criteria. In the event of a covered event (accidental dismemberment or death), the Cardholder and/or the Cardholder's beneficiary are eligible to receive a monthly benefit for up to 12 consecutive months based on the dollar amount direct deposited to the card (up to $8,000) during the preceding 35-day period. Terms and conditions apply. Coverage underwritten by Stonebridge Life Insurance Company. Administrative Office: Valley Forge, PA 19493; Home Office: Rutland, VT 05701. NetSpend Corporation is the policyholder of record for this insurance plan.

Anytime Alerts

Manage your money, on the go

Get your balance and other account details, no matter where you are. Free Anytime Alerts give you 24/7 access. Find out the minute your paycheck is available, or see a list of the closest reload locations. You can also get daily and weekly alerts via text or email, so you're always in control. (Text message fees may apply.)

Need your account info fast? Just text these commands to 22622. We'll text you back with ...

BAL The balance of your ACE Elite card account and optional savings account
LAST The date, amount, and merchant name for your last transaction
DIRECT Your card account and bank routing numbers, to help you set up direct deposit
DEP Details about the last seven deposits you made during the last 30 days
HELP A list of our text commands

No-Fee Cash Withdrawals at ACE1

Keep more of your money

Save on getting cash at more than 1,600 ACE locations across the country. Cardholders who receive regular direct deposits can withdraw up to $300 per day at ACE stores without paying a fee.2

1 While this feature is available for free, certain other transaction fees and costs, terms, and conditions are associated with the use of this Card. See the cardholder agreement for more details.

2 Make up to $300 in no-fee cash withdrawals per day using the ACE Elite Card at any participating ACE Cash Express location; Card must have been acquired at an ACE store or at www.AceCashExpress.com and a direct deposit of any dollar amount must have been made to the Card Account within the immediately preceding 35 days. See store for details. Offer subject to change. This is not a MetaBank™ or NetSpend product or service and MetaBank and NetSpend do not endorse the offer.

Refer A Friend1

Spread the word

Tell your friends, family, and coworkers about us! Every time one of them signs up at www.ShareElite.com using your referral code and loads at least $40 onto a new ACE Elite card, you'll each get a $10 credit.1 It's our way of saying thanks.

1A Cardholder may receive an unlimited number of Refer-a-Friend rewards while program is available. No rewards credited to either party if referred individual had any NetSpend card that was used for a value load, purchase, cash withdrawal, or incurred a Balance Inquiry Fee at any time during the 180 calendar days before the day the $40 load requirement is fully met. Cardholder-to-Cardholder transfers do not count toward the minimum load requirement. Allow 2 business days for $10 credit to appear on each Card Account. Cardholder is responsible for determining tax liability, if any, resulting from this promotion.

5.00% APY Savings Account

Watch your savings grow

Now is the perfect time to start saving. Open an optional savings account, which currently pays 5.00% APY.1

There's no minimum balance requirement or monthly fee1 - and your money is FDIC-insured. Move a few bucks from your ACE Elite Card account into savings by visiting your online Account Center.

1The NetSpend Savings Account (the "Savings Account") is made available to ACE Elite Cardholders through MetaBank, Member FDIC. A Savings Account will NOT be opened for a Cardholder who (a) is subject to Internal Revenue Service backup withholding at the time of the request to open a Savings Account, or (b) fails to provide us with BOTH a valid e-mail address and consent to receive Electronic Communications so that we may provide legally required notices and correspondence. Interest is calculated on the Average Daily Balance of the Savings Account and is paid quarterly. The Annual Percentage Yield ("APY") was accurate as of October 1, 2012: this is a promotional rate and may change without notice pursuant to applicable law. No minimum balance necessary to open the Savings Account or obtain the yield. Because Savings Account funds are withdrawn through the Card Account (maximum 6 such transfers per calendar month), Card transaction fees could reduce interest earned on the Savings Account. Savings Account funds are FDIC-insured up to the current limit upon verification of Cardholder's identifying information. Coverage limit is subject to aggregation with any other of Cardholder’s funds held on deposit at the bank.

Cardholder to Cardholder Transfer

Send money for free1

Need to send money to family or friends? Your ACE Elite card can make it happen. Instantly transfer a few bucks to another ACE Elite or NetSpend Cardholder anywhere in the U.S. It's simple, and it's free! You can even add a personal message, which makes it perfect for birthdays and other special occasions.

1 While this feature is available for free, certain other transaction fees and costs, terms, and conditions are associated with the use of this Card. See the cardholder agreement for more details.

Surcharge-Free ATM Network

Easily withdraw cash from your Control card account at any of the more than 35,000 AllPoint ATMs located nationwide - without paying the ATM operator fee (Standard ATM fee(s) will apply).

Payback Rewards1

Special offers, just for you

Earn cash rewards for your everyday purchases. Visit the online Account Center to see the special offers we've picked out for you. It's simple - just click to activate the ones you like, then redeem them in store or online when you pay with your ACE Elite Card. Once a month, we'll credit your account with the rewards you earned during the prior month. (Terms apply.)

1 ACE Elite Payback Rewards is an opt-out program. NetSpend automatically sends you personalized reward offers based on your shopping history - your personal information will not be shared with merchants. Rewards are credited to your Card Account. To see program FAQs and to opt-out at any time, visit your online Account Center at www.AceEliteCard.com.

$10 Purchase Cushion1

A little help, when you need it

For cardholders who get regular direct deposits, we'll cover your purchases for up to $10 over the balance of your ACE Elite Card. It's completely free2. We'll just deduct the amount the next time you add money to your card.

1 This feature is not an extension of credit; it is a courtesy exercised at our discretion. Approved purchase transactions may create up to one $10 negative balance on the Card Account. Cardholder is responsible for repayment of any negative balances. See the Cardholder Agreement for details about this service and the fees, terms, and conditions associated with the use and reloading of the Card Account.

2 While this feature is available for free, certain other transaction fees and costs, terms, and conditions are associated with the use of this Card. See the cardholder agreement for more details.

ACE Elite Mobile Apps

Account details to go

Manage your money from virtually anywhere with ACE Elite mobile apps for iPhone® and Android®. Use your phone to get your balance, check on your most recent purchases, see a list of the nearest reload locations, and more.1

Get the iPhone App
Get the Android App

1Mobile banking may be subject to text and or data transmission fees from your provider. Check with your provider for details.

Custom Cards

Show some personality

Make your ACE Elite Card your own by decorating it with your favorite photo or design. Create a custom card that reminds you of the ones you love, or add your ID photo for an extra layer of security.1.

1 1 There is a $4.95 fee for each Custom Card you create. 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. For details, see online Custom Card FAQs, the Fee Schedule in the Cardholder Agreement, or ask an ACE Store Associate. Photograph (full-size or passport-type) must meet Custom Card Image Guidelines. To see the Guidelines, visit your online Account Center at www.AceEliteCard.com.

Life Benefits1

Coverage you can count on

Get peace of mind with accidental death and dismemberment coverage for you and your family.1 This program helps protect the ones you love and is available at no cost2 for cardholders who get regular direct deposits. (Not available in all states. Terms apply.)

1 Life benefits coverage is not automatic. To enroll in the program and maintain eligibility, the Primary Cardholder must be the recipient of regular direct deposit activity; reside in a state where this benefit is available; and meet all other eligibility criteria. In the event of a covered event (accidental dismemberment or death), the Cardholder and/or the Cardholder's beneficiary are eligible to receive a monthly benefit for up to 12 consecutive months based on the dollar amount direct deposited to the card (up to $8,000) during the preceding 35-day period. Terms and conditions apply. Coverage underwritten by Stonebridge Life Insurance Company. Administrative Office: Valley Forge, PA 19493; Home Office: Rutland, VT 05701. NetSpend Corporation is the policyholder of record for this insurance plan.

2While this feature is available for free, certain other transaction fees and costs, terms, and conditions are associated with the use of this Card. See the cardholder agreement for more details."

Budgeting Tools

Stay ahead of your money

Use our simple tools to manage your spending and saving. We'll help you make a budget, start putting a few bucks away, and understand where your money goes each month.

Pay Bills1

Fast and flexible payments

Take care of all your bills in one convenient place with your ACE Elite Card. This online service is safe, and you can trust that your money will get there on time.1 Whether you're paying your electric bill or sending a few bucks to a friend, we've got options to help you get it done.

1 In addition to a no-cost bill payment method, you can see a range of options and the applicable fees in your Online Account Center. Fees are determined and assessed by third-party service providers.

Mobile Top Up1

Refill a prepaid phone using your NetSpend account and get $1 back. It's the most convenient way to add minutes and data - and each time you add $25 or more, we'll say thanks by putting a buck into your NetSpend card account. Refill up to $200 a day.

Refill now!

1 The minimum refill amount is $25 (before tax). There is a $200 daily refill limit (before tax) per NetSpend account. Your NetSpend prepaid debit card account must be activated and you must log in to your online Account Center in order to refill a prepaid phone. The value of each refill will be subtracted from the balance of your NetSpend card account. This feature is not available in all states. MetaBank is not affiliated in any way with this offer and does not endorse or sponsor this offer.

*While this feature is available for free, certain other transaction fees and costs, terms, and conditions are associated with the use of this Card. See the cardholder agreement for more details.

The ACE Elite Visa Prepaid Debit Card is issued by MetaBank, Member FDIC, pursuant to a license from Visa U.S.A. Inc. The ACE Elite Prepaid Debit MasterCard is issued by MetaBank, Member FDIC, pursuant to license by MasterCard International Incorporated. NetSpend is an authorized Independent Sales Organization of MetaBank. Use of Card Account is subject to ID verification and funds availability. Fees, terms, and conditions are associated with the use and reloading of the Card Account. See Cardholder Agreement and the online Account Center for details.

MasterCard and the MasterCard Brand Mark are registered trademarks of MasterCard International Incorporated. All other trademarks and service marks belong to their owners.