Purchase Cushion with Direct Deposit¹


Ever accidentally overspend on your bank account and had your card declined? ACE Elite™ Visa® Prepaid Debit Card has a purchase cushion to cover some purchases.¹

Subject to activation and ID verification.2

Optional Coverage for Your ACE Elite Prepaid Debit Card


Purchase Cushion can Help


For those moments when you accidentally overspend on your ACE Elite Card, Purchase Cushion may help. We may cover up to $10 over the balance of your card when you have qualifying Direct Deposit.¹

Purchase Cushion May Cover up to $10


What is
Purchase Cushion?


Sometimes you find your card a little short on the total purchase cost. With Purchase Cushion, you may have a little leeway to make the purchase and repay the balance. We may spot you up to $10 – just repay the negative balance within 30 days and you’re all set.

How to Get
Purchase Cushion


You’ll need to apply for an ACE Elite Card to get started (Card Account opening subject to card activation and ID verification).² Then, enroll in direct deposit with your employer or government benefits provider using your Account Number and Routing Number found in the Online Account Center. When you have $500 direct deposited to your Card Account in one calendar month, the Purchase Cushion may cover purchases up to $10 over the balance of your card.¹

Why Use Direct Deposit?


With your qualifying direct deposit activity, you’ll discover
everything the ACE Elite Card has to offer.


Reduced Monthly Plan3
Pay a flat fee of $5 per month to maintain your Card Account, rather than paying for every purchase transaction.

Cash withdrawals up to $100 per day with no fees4 with qualifying Direct Deposit at participating ACE locations
Avoid ATM fees and withdraw cash at a participating ACE Cash Express location.

1. 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.

2. 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.

3. 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. Neither Plan Fee option includes any other fees. 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.

4. 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. Offer subject to change. This optional offer is not a MetaBank® or Visa product or service nor does MetaBank or Visa endorse this offer. While this feature is available at no additional charge, 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. Netspend, a Global Payments Company, is a registered agent of MetaBank. 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 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.

© 2020 Global Payments Company. All rights reserved worldwide. Global Payments Company and Netspend are federally registered U.S. service marks of Global Payments Company. All other trademarks and service marks belong to their owners.

Back to Top of Page Icon