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ACE EliteTM Visa® Prepaid Debit Card
A convenient and secure way to control your money.
Visa Elite
Prepaid Debit Cards
Request a card in 30 seconds1

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First Name*

M. I.

Last Name*

Address (PO Box not allowed)*



ZIP Code*

E-mail Address*

No Credit Check!1

Pay Before Awards 2015
How It Works Features
The best features — all in one reloadable prepaid debit card
Exclusive benefits for direct depositors

Get Paid Faster with Free Direct Deposit

Get paid up to two days faster when you have your payroll or government benefits checks direct deposited to your prepaid debit card.2

ACE Elite with Direct Deposit FeeAdvantage Plan

Make unlimited purchase transactions for only $5 a month. To qualify for this low, monthly rate, simply direct deposit $500 or more to your Card Account in only one calendar month.3
Show all Fee Plan Options.

No-Fee Cash Withdrawals

With monthly direct deposit activity, you can make up to $300 per day in no-fee cash withdrawals at ACE Cash Express locations.4

No-Fee $10 Purchase Cushion

We'll spot you up to $10- for no added fee.5 To qualify for this courtesy, have $500 direct deposited to your card account in one calendar month.

Benefits for all cardholders

Manage Your Money on the Move

Send and rereceive text messages about card activity with Anytime AlertsTM and download the ACE Elite Mobile app to enjoy 24/7 access at your fingertips.6

Cardholder-to-Cardholder Transfers

Transfer funds between any ACE Elite or NetSpend Cardholder anywhere in the U.S. There is no fee when you do it by mobile app or online at www.AceEliteCard.com.7


The money on your card will be FDIC-insured once the card account is registered.8

Earn Cash Rewards

Use your card for special offers and you'll get paid back with cash rewards to your card.9

With this ACE Elite card, you can say:

  • Goodbye hidden fees
  • Goodbye long deposit holds
  • Goodbye confusing fee plans
  • Goodbye minimum balance

Learn more about the plans and fees

The ACE Elite Alternative to:

Credit Cards for Bad Credit

Secured Credit Card

Use it virtually everywhere

For online purchases and at ATMs

Pay bills online

Use it everywhere Visa debit cards are accepted

It's secure and convenient

Funds are FDIC-insured8

Choose a unique Personal Identification Number (PIN)

For extra peace of mind, use the Virtual Account feature when shopping online or by phone10

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.

All other trademarks and service marks belong to their respective owners.

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