Look at our recent review of the ACE Express Elite Fee Visa using the Fee Advantage plan without Direct Deposit

ACE Elite Visa Prepaid Card (not using direct deposit)

The ACE Express Elite Fee Advantage prepaid Visa Debit card is easy to get. No credit check, no obligation or application fee to forfeit either. The ACE Elite Fee Advantage Visa monthly plan is safe for your tax refund, cash load or paycheck direct deposit since all deposits are backed by FDIC. You are also protected against fraud with Visa’s Zero Liability Protection Plan. You can get the Elite Visa’s Pay as You Go plan or the Fee Advantage plan if you want a little more purchasing power and variety.

Review of the ACE Elite Visa Prepaid Card (not using direct deposit)

ACE Elite Visa Prepaid Card (not using direct deposit)


You definitely have choices when it comes to the ACE debit card line. Choose a low monthly fee and make all of the purchase transactions you desire or only pay for them along the way – it’s up to you. You can get free withdrawals at participating ACE Express retail stores if you really need cash. Using the ACE prepaid card is easy as it is recognized anywhere that takes Visa including online merchants. You can even pay your vendors online. There is also a great rewards program that pays you back for everyday purchases. Take some time and review some of the great features and benefits of the prepaid Visa ACE Express Fee Advantage plan:

  • A card with benefits that matter to you
  • No credit check, No application fee, No obligation
  • No-Fee Cash Withdrawals at ACE locations*
  • Free unlimited purchase transactions with paid enrollment in FeeAdvantage Plan*
  • Free Direct Deposit – Get paid up to 2 days faster, don`t stand in line or pay check cashing fees*
  • Free Anytime Alerts™ – Get your balance and transactions via text or email*
  • Free Savings Account – Receive 5.00% APY*
  • Secure: Card funds are FDIC insured, backed by Visa Zero Liability*

    Apply Now!

*Read this Card’s Current Terms & Conditions

How We Rated the ACE Express Elite Fee Advantage Visa

Card FeaturesACE Express Elite Fee Advantage Visa Features
FeesACE Express Elite Fee Advantage Visa Fees
Disclosure ClarityACE Express Elite Fee Advantage Visa Disclosure
BBB RatingACE Express Elite Fee Advantage Visa BBB Rating
Load OptionsACE Express Elite Fee Advantage Visa Reload Options
Overall RatingACE Express Elite Fee Advantage Visa Rating
 Rating Explanation
ACE Express Elite Fee Advantage Visa 4 GetDebit.com Editor The ACE Express Elite line of prepaid cards receives good scores from us for their variety of features, multiple load options (you can load funds on these card in a lot of different ways). One of the companies behind the cards (NetSpend) is very highly rated by the Better Business Bureau. This shows that they are serious about dealing with consumer issues. ACE Express is rated very low. For that we have given the card a less than high rating. The lower monthly fees and lower transaction fees still make this a great card along with the many features. Be aware that a monthly direct deposit is NOT required for this card. However, if you are a heavy user of your card (and have a lot of ATM transactions, card replacements or need paper statements) then it can be very expensive. If you have a need for lighter use, we recommend the "Pay as You Go" plan as it has no monthly fee and the comparably low activation fee.
The ACE Express Elite line of prepaid cards receives good scores from us for their variety of features, multiple load options (you can load funds on these card in a lot of different ways). One of the companies behind the cards (NetSpend) is very highly rated by the Better Business Bureau. This shows that they are serious about dealing with consumer issues. ACE Express is rated very low. For that we have given the card a less than high rating. The lower monthly fees and lower transaction fees still make this a great card along with the many features. Be aware that a monthly direct deposit is NOT required for this card. However, if you are a heavy user of your card (and have a lot of ATM transactions, card replacements or need paper statements) then it can be very expensive. If you have a need for lighter use, we recommend the "Pay as You Go" plan as it has no monthly fee and the comparably low activation fee.

ACE Express Elite Fee Advantage Visa Fee Examples

Want to know how much the ACE Express Elite Fee Advantage Visa might cost you to use in a typical month? We have crunched the numbers for you! We also show how ACE Express Elite Fee Advantage Visa stacks up against some common alternatives so you can see if you would save money using this card. Please remember -- cost should NOT be the only reason why you pick a card -- make sure to consider the card's features (some cards have more features than a typical bank account).

To see different scenarios, change the following variables.
Number of transactions each month ACE Express Elite Fee Advantage Visa Bank of America "Regular" Checking Check Cashing Store
Monthly Fee Once per month $ $ $
Cash paycheck (per month) $ $ $ $*
ATM Withdrawals $ $ $
Bill Payments $ $ $
Online Purchases $ $ N/A
In-Store Purchases*** $ $ N/A
Overdrafts:**** $ $
Total $ $ $

Note: * Based on a U.S. Average check cashing rate of 4.54% (per the Brookings Institution),
**Using the Money Order fees from the U.S. Post Office (Some of the lowest available),
*** We assume that 1/2 of your in-store purchases will be made using your PIN,
****A LARGE portion of Americans experience at least 1 overdraft each Month. Also note that the Check Casher CANNOT buy items online, and must use cash for all purchases.

Fees Associated With The ACE Express Elite Fee Advantage Visa *

Activation Fee:$3.95 Card Limit:$5000
Monthly Fee:$9.95 ATM Withdrawal:**$2.50
Signature Transactions:***$0.00 ATM Balance Inquiry:$0.50
PIN Transactions:***$0.00 Bill Payments:$1.00

The ACE Express Elite prepaid Visa with the "Fee Advantage Monthly Plan WITHOUT Direct Deposit" has a simple fee structure. You pay a little higher monthly fee and all ATM and Bill Pay transactions. Point of sale PIN and signature debit transactions are FREE.


Notes:
* Fees verified as of 01/27/2011. Check the Current Terms & Conditions for a list of all the fees.
** Some ATM operators may charge a fee for use of their ATMs in addition to this fee.
*** To use your ACE Express Elite Fee Advantage Visa in a "signature" transaction, select "Credit" when checking out at a brick and mortar merchant. Most internet transactions are automatically processed as "signature" transactions.

ACE Express Elite Fee Advantage Visa Card Options

The ACE Express Elite Visa card line comes in various options, including the "Pay as You Go" plan, the "Fee Advantage with Direct Deposit" plan, the "Fee Advantage" monthly plan and the "Fee Advantage" annual plan. The cards are available in Silver and Pink.

Here are GetDebit’s “Low Fee Tips” for this Card

Many prepaid debit cards, including the ACE Elite "Fee Advantage" Visa card Monthly plan without Direct Deposit, have fees that can be avoided with careful use.

Tips for Using The ACE Elite Visa Prepaid Card (not using direct deposit)


Features of this Card

Activation Fee$3.95
Monthly Fee$9.95
Card NetworkVisa
IssuerMetaBank
Bill Payment?Yes
Credit Builder?No
FDIC Insurance?Yes