Credit Card Review & Application
- Get your tax refund faster with direct deposit.*
- Official Sponsor of the National Breast Cancer Foundation (NBFC).
- Since 2006, purchases from the ACE Elite Card have contributed to over $2 million towards NBCF's early detection screening program for those in need.
- Get paid up to 2 days faster with free direct deposit of paychecks and government benefits*
- Free Anytime Alerts™ - Get your balance and transactions via text or email*
Secure: Card funds are backed by Visa® Zero Liability*
|Card Category:||Consumer (Stored Value)|
|Card Type:||- Affinity Card|
- Card for Bad Credit
- Co-Branded Credit Card
- Guaranteed Approval
- Prepaid Debit Card
|Credit Needed:||Bad Credit OK*|
The Pink ACE Elite Visa Prepaid Debit Card is a prepaid debit card for those who do not want to spend more money than what they have. It is the ideal card for those who have bad credit and who may not be able to open a checking account. Some simply do not like to rely on credit, while others don't want to deal with the overdraft fees that can result from a checking account allowing a person to spend more than they have.
This card is issued by MetaBank and can be used on everyday purchases, to pay bills, to reserve hotel rooms, get rental cars, and so much more. Because it sports the Visa logo, it can be used anywhere worldwide that accepts Visa. This is a great alternative to cash because it is safer than cash in that the money can be transferred to a new card if the card is lost and that the money is insured through the FDIC.
There are a number of fees that may occur, such as a small fee for pay-as-you-go customers for PIN and signature purchases. These types of customers are those who do not use the card often. Those who intend on using the card as their primary method of payment will prefer to become a fee customer who pays a small monthly maintenance fee. There is no charge for PIN and signature purchases on these cards. There is also a card fulfillment fee for all customers when the card is ordered. When the account is dormant for 90 days, a small account maintenance fee will apply, as well as a card replacement fee if the card is lost or stolen. And there is also a small ATM transaction fee in addition to the fee charged by the ATM's owner.
To deposit money into the account, there are three ways in which money can be added. The first is through free direct deposit. The second is by free account-to-account transfer when done online. A small fee is applied when account-to-account transfers are done by a customer service representative. The third method is through visiting a reload center. There are many throughout the United States. The cost of reloading at a reload center is determined by the distributor.
Because this is a prepaid debit card, cardholders do not have to worry about overdraft fees for the fact the amount that can be spent is the amount that is in the account. In addition, one of the best reasons to use this card is the impact on breast cancer research since proceeds are donated to this cause whenever you use your card.
|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 fee: $5.95 per month (waived if account has debit or credit transaction and/or balance inquiry within 90 days).|
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 Pink ACE Elite Visa Prepaid Card is believed to be accurate at the time of evaluation (Sep 8, 2013). We strongly advise visitors to review the terms and conditions to verify accuracy of the information posted prior to applying for the product.