Reduced Monthly Plan1

Pay predictable lower fees with your qualifying ACE Elite® Visa® Prepaid Debit Card direct deposit activity.¹

Subject to activation and ID verification.2

What is the Reduced Monthly Fee Plan with the ACE Elite Card?

Just $5 a Month

When you choose and qualify for the Reduced Monthly Plan, you’ll pay just $5 a month for unlimited purchase transactions, with no signature or PIN transaction fees.1 No matter how you prefer to purchase at stores in the U.S., you'll pay no purchase fee. Swipe your card as a debit card or credit card with no additional charge.

Enroll in Direct Deposit to Qualify for the Reduced Monthly Plan1

How Do You Get the Reduced Monthly Plan?1

To qualify for the Reduced Monthly Plan, you'll need to have at least $500 in payroll or government benefit direct deposits in one calendar month to your Card Account. Along with having unlimited purchase transactions for just $5 a month with qualifying Direct Deposit, you'll also have the ability to use the $10 Purchase Cushion,3 and more.

What if You Already Have the Pay-as-You-Go Plan?4

We're excited to have you as a customer! To qualify for the Reduced Monthly Plan,1 simply direct deposit at least $500 in payroll or government benefits to your Card Account in one calendar month. That's it!

Do you meet the requirements? Log in to the Online Account Center or call 1-877-223-3341 to switch plans.

How Much Does a Prepaid Debit Card Cost?

There is no fee to apply for an ACE Elite Card. You may be charged fees for certain types of transactions, based on the fee plan you select. Learn more about fees on our Rates page.

Learn More

1. The Pay-As-You-Go Plan is the default Plan Fee on the Card Account. 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.

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. 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.

4. 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.

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. Netspend is a registered agent of Pathward, National Association. 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.

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