Credit Card Review & Application
- Enroll in direct deposit today - receive your account number immediately.
- Need your money before payday? Get paid up to 2 days faster with direct deposit.*
- Withdraw up to $300 with no fee daily at ACE Cash Express locations with direct deposit.*
- Mobile account access - available on GooglePlay and Apple App Store.
- Transfer money to another ACE Elite cardholder with no fee.*
- Always know your balance - by mobile app, email, or text message. Standard data rates apply.*
- Earn up to 5% APY while you save in an optional savings account.*
- Earn cash back on your everyday purchases through Payback rewards - get special offers and account credits when you use them.*
|Card Category:||Consumer (Stored Value)|
|Card Type:||- Card for Bad Credit|
- Guaranteed Approval
- Prepaid Debit Card
|Credit Needed:||Bad Credit OK*|
The ACE Elite Visa Prepaid Debit Card is a unique prepaid card for those who do not want to spend more money than they earn. It is also ideal for those who cannot open checking accounts or have bad credit. And for those who do not want to rely on credit, the card can be used like a Visa card, but the cardholder does not spend more money than what they earn.
The card is issued by MetaBank and can be used as the ideal companion in everyday purchases, whether an individual prefers to use a card instead of cash since it's safer or if that person simply does not want to place charges on their credit card for safety reasons. The card is accepted anywhere where Visa is accepted, including international merchants. However, an international ATM fee may be applied when the card is used at an international ATM.
There are a number of fees that may occur on this card as well. There is a small fee for both signature and PIN purchases for the pay-as-you-go customer. These tend to be individuals who do not use the card often enough to pay a monthly maintenance fee. For those who will use the card more often, there is a small monthly maintenance fee. That means there is no fee for signature or PIN purchases. When the card is ordered, there is a card fulfillment fee. If the account is dormant for 90 days, a small account maintenance fee will be charged. A fee is also charged to replace the card if it is lost or stolen. The account balance is transferred to the new card once the old one is reported missing and the replacement card is ordered.
There are three ways in which money can be added to the card. These ways are by free direct deposit, visiting a reload center (the cost is determined by the distributor), and by account-to-account transfer. Account-to-account transfer has a fee when done via a customer service representative, but is free when the cardholder performs the task online.
In addition to the ATM fee that is charged by the ATM owner, there is a small ATM fee charged by ACE as well.
Due to the fact the card is insured by the FDIC, it is safer than cash in that the money is insured up to a specified amount. The card is also safer than cash in that cash that is lost is gone forever. A card that is lost can be replaced. The card also works better than a checking account in that only what is in the account can be used and nothing more, resulting in no overdraft fees.
|Other Benefits:||- Universal Acceptance|
- Access to Cash Worldwide
- All-Access Direct Deposit
- Free Account to Account Transfers
- FDIC Insurance
- 24/7 Account Access
- Free Additional Cards
- Reload Card Options
- All-Access Bill Pay
- All-Access Wireless Alerts
- NetSpend National Savings (5% APY - limited time offer)
|Online Account Access:||Yes|
|100% Guarantee Approval:||Yes|
|APR on Purchases:||N/A *|
|Late Payment Fee:||N/A*|
|Additional Fees||Account Maintenance (waived if account has debit or credit transaction and/or balance inquiry within 90 days): $5.95 per month|
A to A Transfer (Internet) - FREE
A to A Transfer (Toll Free Number) - $4.95
ATM Decline Fee (per declined) - $1.00
Add or withdraw funds locally - varies
Additional Statement Mailing Fee - $5.95
Card Fulfillment (Shipping/Handling) - $9.95
Cash Withdrawal at Distributor - $2.50
Check Mailing Fee - $5.95
Domestic ATM Cash Withdrawal - $2.50
Int'l ATM Cash Withdrawal - $4.95
Lost or Stolen Card Replacement - $9.95
Monthly Service Fee - $9.95
Non-Monetary Transactions (ATM) - $0.50
Non-Monetary Transactions (Internet) - FREE
Non-Monetary Transactions (Toll Free) - $0.50
PIN Purchase Convenience Fee - $2.00
Signature Purchase Convenience Fee - $1.00
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† The information provided for ACE Elite Visa Prepaid Card is believed to be accurate at the time of evaluation (Apr 12, 2014). We strongly advise visitors to review the terms and conditions to verify accuracy of the information posted prior to applying for the product.