Manage Your Money the Way You Want

Visit an ACE Cash Express store to add funds to your ACE Elite® Visa® Prepaid Debit Card.1

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ACE Elite Prepaid Card

ACE Elite Card Features

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Frequently Asked Questions

Why should I enroll in Direct Deposit?

When you enroll in qualifying Direct Deposit with your ACE Elite Card, you can take advantage of more features! You could get paid up to 2 days faster,2 make up to $100 in no-fee cash withdrawals at ACE Cash Express locations,5 and even opt into a $5 reduced monthly fee plan.6

Enrolling in Direct Deposit takes just a few steps. You’ll need to provide your Account Number and Routing Number to your employer or government benefits provider. You can access these numbers when you log in to your Online Account Center or the mobile app.

You can also provide your tax preparer with your Routing Number and Account Number to have your tax refund direct deposited.

Subject to employer availability.

With Direct Deposit to your ACE Elite Card, you can get paid up to 2 days faster!2 When you enroll, it may take up to two payment cycles for your Direct Deposit to begin. Please ensure your Card is activated and in good standing, and the deposit is in the name of the cardholder.

Yes, you can use your Card to withdraw cash at ATMs. You may be charged a fee for this. Please see your Cardholder Agreement for details. The ATM owner may also charge a fee.

You can also withdraw up to $100 in cash per day without a fee by visiting a participating ACE location and speaking to one of our friendly associates.5 This service is available to you with qualifying Direct Deposit.

Two ways to add money to your ACE Elite Card are enrolling in Direct Deposit and visiting an ACE Cash Express store to add cash.1

With an ACE Elite Card, you can make purchases at stores, over the phone, and online. You may also withdraw cash at ATMs, pay bills, and more.

Payback RewardsSM7 is a way to get cash back rewards when you use your card to pay for qualifying merchandise and services.7 We’ll send you targeted offers, based on your shopping habits. Redeem those offers and you get cash back rewards on these select purchases in the form of account credits. We’ll credit your offers to your card account at the end of the following month. The more ways you use your card, the more offers you can receive, and the more rewards you can receive!

Contact Us

We're here to help. Our customer service representatives are happy to answer any questions you may have about the ACE Elite Card.

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Email Us

Have a card? Email us through your secure inbox in the Online Account Center or the mobile app.

Don't have a card? Email us at customerservice@aceelitecard.com

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Call Us

For Customer Service, call us toll-free at:
(877) 223-3341

Hours:
Mon-Fri, 8 a.m. - 10 p.m. CT
Sat-Sun, 8 a.m. - 8 p.m. CT

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Visit an ACE Store

Visit an ACE store near you and one of our associates will assist you.

Cardholder Agreement

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

2. Faster funding claim is based on the policy of Pathward, N.A., making funds available upon receipt of payment instructions versus the typical practice of posting funds at settlement. Early access to funds is not guaranteed and timing of early access may vary from period to period. Faster payment requires direct deposit and varies depending on the date in which the payor provides payment instructions. Fraud prevention restrictions may also delay availability of funds.

3. Services initiated with an external account from an outside third party may incur fees from that third party to your external account. No cost for online or mobile Account-to-Account transfers between Netspend Accounts; a fee may apply to Account-to-Account transfers conducted through a Netspend Customer Service agent or other transfer types. See your Cardholder Agreement for details.

4. 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 5/15/26. 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, N.A., 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, N.A. Pathward, N.A., may place your funds at one or more participating FDIC-insured banks (www.pathward.com/programbanks). FDIC insurance protects against the failure of Pathward, N.A., not the failure of Netspend Corporation. Netspend, a financial technology company, is not a bank and is not FDIC insured.

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

6. 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. 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.

7. Netspend Payback Rewards is an optional program. You may opt-out at any time by visiting the Netspend Payback Rewards page in your Online Account Center. Rewards offers are based on individual shopping habits. Rewards are credited to your Account and are not available in the form of a check or other direct payment method. Rewards earned through Netspend Payback Rewards are separate from rewards earned through any other rewards program. See the program FAQs and terms and conditions in your Online Account Center for additional details about how and when you get rewarded. Program sponsor: Netspend Corporation. Pathward, N.A., and Visa® U.S.A. Inc. are not affiliated in any way with the optional program and neither endorses nor sponsors it.

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.

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The ACE Elite® Visa® Prepaid Debit Card is issued by Pathward, N.A., Member FDIC, pursuant to a license from Visa U.S.A. Inc. Netspend is a registered agent of Pathward, National Association. Card can 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.

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