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Congratulations!
Your card is on it's way.

You should receive a personalized ACE Elite Card within 5 - 7 business days.

Unlock the best features by completing the steps below!

Sign Up for Free1 Direct Deposit!

Get paid up to 2 days faster2 when you sign-up for direct deposit.

Your card account can receive these direct deposits:

  • Payroll Checks
  • Government Payments
  • Tax Refunds
Direct Deposit Form
Tax Form
Employer doesn't offer direct deposit? Proceed to Step 2.

Sign-Up for online Account Center Access

Gain immediate access to your secure online Account Center by filling out the information below.

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Your Password must be between 8 and 100 characters and start with a letter (can be upper or lower case) or number.

Security Question
A Customer Service agent may need to ask you the question to verify your identity.

Your Answer:*

1 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.

2 Faster 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.

ACE Elite Visa Prepaid Debit Cards are issued by MetaBank, Member FDIC, pursuant to a license from Visa U.S.A. 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.

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 NEW CARD ACCOUNT: To help the federal government fight the funding of terrorism and money laundering activities, the USA PATRIOT Act requires all financial institutions and their third parties 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, street address, date of birth, and other information that will allow us to identify you. We may also ask to see a copy of your driver's license or other identifying documents. In accordance with federal regulations, until it is activated and registered, a prepaid card is subject to initial load limitations, may not be used for ATM use, international transactions or account-to-account transfers, or be reloaded. Residents of the State of Vermont are ineligible to open a Card Account.

2 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.

3 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.

4 Make up to $300 in no fee cash withdrawals per day using the ACE Elite card at participating ACE Cash Express locations; $300 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. Offer subject to change. This optional offer is not a MetaBank® product or service nor does MetaBank endorse this offer.

5 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.

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

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 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.

9 Payback RewardsSM is an optional program. 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 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 is not affiliated in any way with the program and neither endorses nor sponsors it.

10 You may request up to six (6) active Virtual Accounts for each active Card Account. Virtual Accounts are subject to the same fees, limits, terms, and conditions as your Card Account. See your Cardholder Agreement or online Account Center for details.

* ACE Cash Express and NetSpend donate a percentage of every purchase transaction made with Pink ACE Elite Visa Prepaid Debit Cards (up to $350,000 per year) to the National Breast Cancer Foundation, a 501(c)(3) organization.

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. This 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 funds availability and ID verification. Transaction fees, terms, and conditions apply to the use and reloading of the Card Account. See the Cardholder Agreement for details.

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© 2015 Total System Services, Inc.® All rights reserved worldwide. TSYS and NetSpend are federally registered U.S. service marks of Total System Services, Inc.