Manage your money the way you want

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ACE Elite Prepaid Card

Flare Debit Card

Choose the card that’s right for you

No purchase transaction fees

No-fee cash withdrawals up to $400 at ACE⁴ with Direct Deposit

Optional Overdraft Service⁵

Get paid up to 2 days faster⁶ with Direct Deposit

The Flare Account® Debit Card

Deposit Account opening subject to registration and ID verification.¹

²

The ACE Elite® Visa® Prepaid Debit Card

Card usage is subject to card activation and identity verification.¹

³ Customers may select to enroll in a Monthly Plan.

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Choose the card that’s right for you

²

No purchase transaction fees
No-fee cash withdrawals up to $400 at ACE⁴ with Direct Deposit
Optional Overdraft Service⁵
Get paid up to 2 days faster⁶ with Direct Deposit

Deposit Account opening subject to registration and ID verification.¹

ACE Elite Card Features

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.

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Anytime Alerts™

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

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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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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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What Customers Say

I would recommend

I would recommend because of the Elite card. I have been a member for years and I love it.
Customer - April S.

How to get started with a new Card Account

1

Order A Card

Get a card either online, or by visiting any ACE Cash Express location.¹

2

Activate and Verify Your Identity¹

Once you have your card, activate it¹ online, or call
1-866-387-7363.

3

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. 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.

2. In order to lower your Monthly Fee from $9.95 to $5.00, you must receive direct deposit(s) totaling at least $500.00 to your Account during one (1) calendar month. Upon qualifying, your Monthly Fee will be automatically lowered.

3. The Pay-As-You-Go Plan (“PAYGO”) is automatically effective at the time of Card activation, unless the Cardholder chooses the optional Monthly Plan. These plans 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. See your Cardholder Agreement in your Account Center for details.

4. Make up to $400 in fee-free cash withdrawals per day from your Flare Account by using your debit card at participating ACE Cash Express locations. $400 total is calculated based on all withdrawals performed at all ACE Cash Express locations visited in a day. A direct deposit (no dollar minimum) to the account within the immediately preceding thirty-five (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 Account. Offer subject to change. This optional offer is not a Pathward®, National Association, or Visa offer nor does Pathward, N.A., or Visa endorse this offer.

5. The Debit Card Overdraft Service is an optional service made available to eligible Flare Account customers by Pathward, N.A., Member FDIC. Once you enroll and meet the eligibility requirements (see terms in your Account Center), you will be charged $20.00 for each transaction that overdraws your account by more than $10.00, up to a maximum of five (5) fees per calendar month. To avoid that fee, you have twenty-four (24) hours from the time of the first transaction that creates the overdraft to bring your Account back to a zero ($0.00) or a positive balance. Overdraft protection and the overdraft fee apply solely to (i) signature and PIN purchase transactions and (ii) ATM withdrawals. ACH Debit transactions are not eligible for coverage. Any negative balance must be repaid within thirty (30) days. Whether we authorize an overdraft is discretionary, and we reserve the right not to pay. For example, we typically will not pay overdrafts if you fail to meet the eligibility requirements for this service or you attempt too many transactions or transactions that create too large of an overdraft. Additional Overdraft Service Terms and Conditions apply, including initial and ongoing eligibility requirements for the service. This service is expensive, so we encourage you to research alternatives before enrolling. Once enrolled, you may opt-out at any time; however, you are responsible to repay any overdrawn amounts on your account even if you opt-out of the service.

6. Faster funding claim is based on a comparison of the Pathward, 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, N.A., 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 4/21/25. 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, Card Account transaction fees could reduce the interest earned on the Savings Account. Once your identity is verified and your account is registered, your funds on deposit in your Savings account are FDIC insured up to $250,000 through Pathward, Member FDIC, subject to certain conditions including regulatory requirements for FDIC pass-through insurance and the aggregation of all funds held on deposit in the same capacity at Pathward. Pathward may place your funds at one or more participating FDIC-insured banks (www.pathward.com/programbanks). FDIC insurance protects against the failure of Pathward, not the failure of Ouro Global, Inc. (“Ouro”). Ouro, a financial technology company, is not a bank and is not FDIC insured.

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.

© 2025 Ouro Global, Inc.