Choose the ACE Elite® Visa® Prepaid Debit Card for Your Tax Refund

Get your Tax Refund faster1 with Direct Deposit than with a paper check.

Subject to card activation and ID verification.2

Direct Deposit is More Convenient than Cashing Your Tax Refund Check and Carrying Cash

Set up direct deposit in just a few steps. You can choose to have your tax refund money sent to your ACE Elite® Visa® Prepaid Debit Card and you could receive it faster than a paper check.1 Direct deposit is safer than carrying cash. 

Use an ACE Elite® Visa® Prepaid Debit Card for Your Tax Refund

Choose an FDIC-insured3 prepaid debit card to receive your government refund. Then, use the money how you need it. If you need more than a one-time card, the ACE Elite® Visa® Prepaid Debit Card can be a helpful financial solution, too.

Set Up Direct Deposit

When you file your taxes, select Direct Deposit as your refund method. You’ll need to enter your ACE Elite Card account number and routing number to complete the process.

Here’s how to access your ACE Elite Card account number and routing number:

1.    Log in to your account with your username and password.
2.    In the main menu, select Direct Deposit.
3.    Find your routing number and account number listed.

Will I get my tax refund faster with the ACE Elite Card?

You could get your tax refund faster than a paper check1 with Direct Deposit to the ACE Elite Card.

On average, the IRS issues refunds within 21 days of receiving your tax return. The amount of time it will take for any refund amount you are owed to appear in your account may vary.A

You can set up Direct Deposit with the IRS at no additional cost.

If you already have an ACE Elite Card account, log in to find your account number and routing number. When you complete your tax return, be sure to add this information to your document where applicable. If you don’t have an ACE Elite Card, apply here.

By using direct deposit to receive your tax refund check, you can get your tax refund faster1 than a paper check in the mail,  avoid having to pay check cashing fees, and have a more convenient way of storing and using your money.


1. Faster access claim is based on comparison of a disbursement via direct deposit vs. disbursement via a mailed paper check. For up-to-date information from the IRS, visit

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. Upon successful activation and registration of the Card Account, funds on deposit at Pathward, Member FDIC, are insured up to the standard maximum deposit insurance limit. Coverage limit is subject to aggregation of all Cardholder's funds held on deposit at Pathward. 

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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