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Take online banking to the next level with the ACE Flare® Account by MetaBank® app.¹
Don’t have a Flare Account? Open a bank account online today.²
No charge for this service, but your wireless carrier may charge for messages or data.
Download the ACE Flare Mobile App 1 for Mobile Banking
Stay Aware with Anytime Alerts TM 1
Receive text or email messages to stay in the know with transaction details, deposits and more. Check to see your balance anytime.
Send Money to Friends and Family 3
Quickly transfer funds to other Flare Account members with your unique FlashPay ID.
Payback Rewards℠ 4
Activate perks in the app or Online Account Center to earn cashback rewards that will be credited to your Account with a qualifying purchase.
Deposit Check Funds 5
Just take a photo of your check and add the funds to your Flare Account.
Bank and PayPal Transfers 3
Link other bank accounts or your PayPal account and easily transfer money to your Flare Account.
© 2021 Populus Financial Group, Inc. All Rights Reserved.
1. No charge for this service, but your wireless carrier may charge for messages or data.
2. IMPORTANT INFORMATION FOR OPENING A NEW DEPOSIT 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 an Account. WHAT THIS MEANS FOR YOU: When you open an Account, we will ask for your name, street address, date of birth, and government ID number. We may also ask to see a copy of your driver’s license or other documents at any time. All Accounts are opened subject to our ability to verify your identity by requiring acceptable types of identification. We may validate the information you provide to us to ensure we have a reasonable belief of your identity. If we are not able to verify your identity to our satisfaction, we will not open your Account or we may close the Account if it was previously funded. Your Account is subject to fraud prevention restrictions at any time, with or without notice.
4. Payback Rewards is an optional program. You may opt-out at any time by visiting the Payback Rewards page in your Online Account Center. Reward offers are based on individual shopping habits. Cash back rewards are credited to your Account and are not available in the form of a check or other direct payment method. See the program FAQs and Terms and Conditions in your Online Account Center for additional details about how and when you get rewarded. Program sponsor: Netspend Corporation. MetaBank, National Association, is not affiliated in any way with this program and does not endorse or sponsor this program.
Direct Deposit
Your Tax Refund
Get your tax refund faster
than a paper check. 1
Account opening is subject to ID verification. 2
An Account Full of Features
Avoid Check Cashing Fees and Long Lines
Direct Deposit ensures your payroll or government benefits are in your account when you need them. Plus, qualifying Direct Deposit activity unlocks many of the Flare Account’s features.
Get Paid up to 2 Days Faster 3 with Direct Deposit
Your new payday could be as early as Wednesday, based on a Friday payday. Enroll in Direct Deposit for your payroll or government benefits and get paid up to 2 days faster. 3
No-Fee 4 Cash Withdrawals
High-Yield Savings Account 5
Earn up to a competitive 6.00% Annual Percentage Yield (APY) with the optional Savings Account. 5 Qualifying Direct Deposit required.
Anytime Alerts TM6
Get the details on account transactions and more with Anytime Alerts. 6 After you enroll, you can send and receive texts about your balance, purchase history, and more.
Optional Debit Card Overdraft Service 7
Optional. Separate opt-in and eligibility requirements apply.
Earn Interest on Your Core Flare Account 8
An account that earns interest? You bet! Earn 0.01% APY on funds in your Flare Account.
Payback Rewards SM 9
Activate special offers in the Mobile App 6 or in your Online Account Center and earn credits to your Account when you use specific offers.
Compare the Flare Account with ACE Elite ® Visa ® Prepaid Debit Card.
Convenient Money Management
Download the Mobile Banking App. 6
Manage your money wherever you go with the ACE Flare® Account by MetaBank® Mobile App.
Use Anytime Alerts™ 6
Send and receive text messages about your account activity with Anytime Alerts. TM6
Add Money
Visit any of the 900+ ACE Cash Express locations to add funds or withdraw cash or check out any other location 10 near you.
Download the Mobile App 6
Account Management in Your Hands
Stay on top of your account activity and balance with just a few taps. The ACE Flare® Account by MetaBank® Mobile App 6 gives you the ultimate control of your money on-the-go.
An Account Designed for You
At Your Fingertips
When Money is Top of Mind
From the ACE Flare ® Mobile App 6 to the Online Account Center, account management has never been more streamlined. Stay on top of what matters with convenient options at your fingertips.
What Customers Say about the Flare Account
I love it
“I love it because you get paid two days earlier and its easy to use.”
Have Questions about the Flare Account?
How do I open a Flare Account?
Start an application online now! 2 Once we verify your identity, we’ll send you a card in the mail. You can also visit an ACE Cash Express store to apply in person.
When will I get my debit card?
In most cases, your new card takes 7-10 business days to arrive. Check your mailbox for an envelope from ACE Flare Account by MetaBank. If you don’t receive it within the 7-10-day period, give us a call at 866-753-6355.
How do I add money to my Account?
There are many ways to add money to your Flare Account! You can enroll in Direct Deposit for your paycheck or government benefits, add money at an ACE store, 10 set up a bank transfer 11 from a checking or savings account, or direct deposit your tax refund.
How can I find the closest ACE Cash Express store?
Use our Store Locator to find a store near you!
Should I get my tax refund with Direct Deposit?
When you Direct Deposit your tax refund amount to your Flare Account, you could receive funds faster than a paper check 13 so there’s no risk of a paper check getting lost or stolen, and it’s safer than carrying cash. The money held in your Flare Account is FDIC-insured through MetaBank, National Association. 14
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© 2021 Populus Financial Group, Inc. All Rights Reserved.
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 www.irs.gov/refunds.
2. IMPORTANT INFORMATION FOR OPENING A NEW DEPOSIT 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 an Account. WHAT THIS MEANS FOR YOU: When you open an Account, we will ask for your name, street address, date of birth, and government ID number. We may also ask to see a copy of your driver’s license or other documents at any time. All Accounts are opened subject to our ability to verify your identity by requiring acceptable types of identification. We may validate the information you provide to us to ensure we have a reasonable belief of your identity. If we are not able to verify your identity to our satisfaction, we will not open your Account or we may close the Account if it was previously funded. Your Account is subject to fraud prevention restrictions at any time, with or without notice.
3. Faster funding claim is based on a comparison of the MetaBank®, National Association, policy of making funds available upon receipt of payment instruction versus the typical banking practice of posting funds at settlement. Fraud prevention restrictions may delay availability of funds with or without notice. Early availability of funds requires payor’s support of direct deposit and is subject to the timing of payor’s payment instruction.
5. The optional Savings Account linked to your Flare Account is made available to Accountholders through MetaBank, National Association, Member FDIC. To open a Savings Account, consent to receive communications from us in electronic form is required. Interest is calculated on the Average Daily Balance(s) of the Savings Account and is paid quarterly.
6. No charge for this service, but your wireless carrier may charge for messages or data.
9. Payback Rewards is an optional program. You may opt-out at any time by visiting the Payback Rewards page in your Online Account Center. Reward offers are based on individual shopping habits. Cash back rewards are credited to your Account and are not available in the form of a check or other direct payment method. See the program FAQs and Terms and Conditions in your Online Account Center for additional details about how and when you get rewarded. Program sponsor: Netspend Corporation. MetaBank, National Association, is not affiliated in any way with this program and does not endorse or sponsor this program.
10. The Flare Account uses the Netspend Network, which is provided by Netspend Corporation. Netspend is a licensed provider of money transfer services (NMLS ID: 932678). Netspend’s licenses and related information may be found at www.netspend.com/licenses. Fees, limits, and other restrictions may be imposed by Netspend and other third parties in connection with use of the Netspend Network.
12. Mobile Check Capture is a service provided by First Century Bank, N.A. and Ingo Money, Inc., subject to the First Century Bank and Ingo Money Terms and Conditions, and Privacy Policy. Approval review usually takes 3 to 5 minutes but can take up to one hour. All checks are subject to approval for funding in Ingo Money’s sole discretion. Fees apply for approved Money in Minutes transactions funded to your account. Unapproved checks will not be funded to your account. Ingo Money reserves the right to recover losses resulting from illegal or fraudulent use of the Ingo Money Service. Your wireless carrier may charge a fee for message and data usage. Additional transaction fees, costs, terms and conditions may be associated with the funding and use of your account. See your Deposit Account Agreement for details.
13. 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 www.irs.gov/refunds.
14. Upon successful activation and registration of the Account, funds on deposit at MetaBank, National Association, Member FDIC, are insured up to the standard maximum deposit insurance limit. Coverage limit is subject to aggregation of all of Accountholder’s funds held on deposit at MetaBank, National Association.
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ACE Flare® Account by MetaBank®
Schedule of Account Fees and Terms
Account Opening and Usage
ATM Fees (The institution that owns the terminal (or network) may assess a fee (surcharge) at the time of your transaction.)
| ATM Cash Withdrawal Fee – Domestic | $2.50 For each withdrawal conducted at an ATM in the U.S. |
| ATM Cash Withdrawal Fee – International | $4.95 For each withdrawal conducted at an ATM outside the U.S |
| Balance Inquiry Fee – ATM Domestic | $1.00 For each balance inquiry conducted at an ATM in the U.S. |
| Balance Inquiry Fee – ATM International | $1.00 For each balance inquiry conducted at an ATM outside the U.S. |
Optional Debit Card Overdraft Service (This optional service has Accountholder activation and eligibility requirements. See the Deposit Account Agreement for Information.)
Please see your Deposit Account Agreement for additional information on avoiding Overdraft Fee(s).
Processing Policies
Funds Availability Policy
(The order in which withdrawals and deposits are processed and when funds deposited to your Account are available)
Transactions are generally processed as follows:
Other Types of Deposits. Timing will be disclosed at the time other deposit options are offered to you.
This represents our general policy. For specific details, please see the Availability of Funds section in the Deposit Account Agreement.
About the ACE Flare® Account by MetaBank ® ¹
Online banking for your everyday life.
Designed with Your Needs in Mind
In 2017, ACE Cash Express partnered with Netspend ® and MetaBank, National Association, to dream up a modern bank account with competitive features. The result is a convenient banking experience crafted just for you — with the tools you need to manage your money, your way.
We take our commitment to the community one step further with our Flare Account Charity Debit Cards. 5 When you spend with the Pink Visa ® Debit Card, Populus Financial Group and Netspend donate a portion of your purchases to the National Breast Cancer Foundation (NBCF). When you activate and use The Humane Society of the United States, Homes For Our Troops, or Save the Children charity cards, Populus Financial Group will donate a portion of your purchase transactions to the charity represented on your debit card.
An Account that Grows with You
Discover the Difference
We created the Flare Account for your needs. Utilize the features that fit your lifestyle, and access it all with convenient online tools.
Find us on social media
Get in Touch
© 2021 Populus Financial Group, Inc. All Rights Reserved.
1. IMPORTANT INFORMATION FOR OPENING A NEW DEPOSIT 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 an Account. WHAT THIS MEANS FOR YOU: When you open an Account, we will ask for your name, street address, date of birth, and government ID number. We may also ask to see a copy of your driver’s license or other documents at any time. All Accounts are opened subject to our ability to verify your identity by requiring acceptable types of identification. We may validate the information you provide to us to ensure we have a reasonable belief of your identity. If we are not able to verify your identity to our satisfaction, we will not open your Account or we may close the Account if it was previously funded. Your Account is subject to fraud prevention restrictions at any time, with or without notice.
2. Faster funding claim is based on a comparison of the MetaBank, National Association, policy of making funds available upon receipt of payment instruction versus the typical banking practice of posting funds at settlement. Fraud prevention restrictions may delay availability of funds with or without notice. Early availability of funds requires payor’s support of direct deposit and is subject to the timing of payor’s payment instruction.
4. The optional Savings Account linked to your Flare Account is made available to Accountholders through MetaBank, National Association, Member FDIC. To open a Savings Account, consent to receive communications from us in electronic form is required. Interest is calculated on the Average Daily Balance(s) of the Savings Account and is paid quarterly.
Need Help with Your Account?
Have Questions?
How do I open a Flare Account?
Start an application online now! 1 Once we verify your identity, we’ll send you a card in the mail. You can also visit an ACE Cash Express store to apply in person.
When will I get my debit card?
In most cases, your new card takes 7-10 business days to arrive. Check your mailbox for an envelope from ACE Flare Account by MetaBank. If you don’t receive it within the 7-10-day period, give us a call at 866-753-6355.
Why should I use Direct Deposit with the Flare Account?
How do I add money to my Account?
There are many ways to add money to your Flare Account! You can enroll in Direct Deposit for your paycheck or government benefits, add money at an ACE store, 10 set up a bank transfer 11 from a checking or savings account, or direct deposit your tax refund.
How can I find the closest ACE Cash Express store?
Use our Store Locator to find a store near you!
How do I get paid up to two days faster? 2
You can enroll in direct deposit with your Flare Account to get paid up to 2 days faster! 2 Find your Routing Number and Account Number in the Online Account Portal.
What can I use my Flare Account debit card for?
You can use your Flare Account debit card for all your regular everyday purchases. Pay bills, buy groceries, shop online, pay for gas … the options are endless! You can use your Flare Account debit card wherever Visa ® debit cards are accepted.
What’s the difference between prepaid cards and a Flare Account?
The Flare Account is a bank account and provides the benefits offered by a prepaid card, with extra benefits you’ll really love. Want to know more? Compare the Flare Account with the ACE Elite Visa Prepaid Debit Card.
I already have an ACE Elite™ Visa® Prepaid Debit Card. Why should I upgrade to a Flare Account?
Great question. The ACE Elite Visa Prepaid Debit Card is a convenient option for managing your money. The Flare Account offers even more benefits to fit your lifestyle and your money management needs. Compare the Flare Account with the ACE Elite Visa Prepaid Debit Card.
How do I withdraw cash?
How can I earn interest on my Optional Savings Account?
When you have qualifying monthly Direct Deposit, you may set up an optional Flare Account Savings Account, and you can start earning up to 6.00% Annual Percentage Yield (APY). 4 That means that the money you have in your Savings Account can earn money just for being there. Your actual APY will vary based on qualifying factors, including Average Daily Balance.
What does qualifying direct deposit mean?
Can I create a custom card design?
Is there a fee to get a Flare Account debit card?
How do I set up Direct Deposit for my Flare Account?
Payback Rewards is activated with your new account! 8 Visit your Rewards page when you log in through the Online Account Center or via the Mobile App 7 to see your offers. Click to activate offers you want, and then use your card at those retailers to redeem your offers. Your rewards will be credited to your Account at the end of the following month.
Is there a Flare Account app? 7
Yes! Download the ACE Flare Mobile App 7 on the App Store or Google Play.
How do I send money with the Flare Account?
Every account is associated with a FlashPay ID. You can quickly send money to almost anyone if they also have a FlashPay ID 9 from the app. 7 When you send money, we notify the recipient that money is waiting for them. You can choose 1 of 3 ways to send money:
Visit the Online Account Center to get started. Select the “Move Money” dropdown on the navigation page, then click “Move Money.” Select your recipient from your contacts and enter the amount to send. Click “Continue” and then verify the information. The money will be sent once you verify the information is correct.
3. Customer Service
What is FlashPay ID?
Every Flare Account has a FlashPay ID. It’s simply a number that you can safely share with other people so that they can send money to you! 9
How much does it cost to send money from my Flare Account to another Flare Account holder?
My direct deposit hasn’t posted. When will I get my money?
We’re sorry to hear your direct deposit hasn’t yet gone through. You can contact Customer Service for assistance: 1-866-753-6355.
When will my direct deposit begin?
Once you have given your account information to your payor, it may take up to two payment cycles for direct deposit to start. Please check with your payor to find out the specific timing of your payments. Please ensure your Flare Account is activated and in good standing, and the deposit is in the name of the accountholder.
How do I deposit my tax refund into my Flare Account?
Bring your Routing Number and Account Number to your tax preparer, or if you’re filing your own taxes, add your numbers in the designated sections. When you have your tax refund direct deposited to your Flare Account, you don’t have to wait for a paper check. That means you’ll get your refund faster. 10
How do I open an Optional Savings Account? 4
Can I pay bills with my account?
Yes! Use your Flare Account debit card the way you would a regular debit card. Pay rent, car payments, cable, internet, phone, and other bills with your new Flare Account debit card. You can set up online bill pay through your service provider.
Does the Flare Account support any charities?
Yes! Our Charity Debit Cards 11 give you the chance to support to the cause that matters most to you. Choose a debit card that supports National Breast Cancer Foundation (NBCF), The Humane Society of the United States, Homes For Our Troops, or Save the Children.
What do I do if I suspect my Account has been compromised?
The security of your Account is important to us. If you ever notice something that doesn’t seem right, please call 1-866-753-6355 as soon as possible so we can look into the issue.
If I already have my check, where can I go to transfer it into my Flare Account?
You can add check funds to your Account using Mobile Check Capture 12 on your ACE Flare® app, or visit an ACE Cash Express location to add 13 funds.
Is there a monthly fee with the Flare Account?
What is Annual Percentage Yield, exactly?
APY or Annual Percentage Yield is the total amount of interest paid on an Account, based on the interest rate and the frequency of compounding for a 365-day period (366-day period in a leap year), and is expressed as a percentage.
What is a Flare Account Virtual Card? 15
The Flare Account Virtual Card 15 offers an additional level of protection when you make online purchases. When you use this feature, a temporary card number will be generated that you can use to make a purchase online. The card number expires in 24 hours. Your purchase goes through as normal, but the card number tied to your Account stays hidden from digital thieves and fraudsters.
Help! I can’t reach Customer Service.
Thank you for your patience. Flare Account Customer Service is currently experiencing extended wait times from increased call and email volumes related to the second round of stimulus payments. We encourage you to check out the self-servicing options that are available within the Flare Account mobile app. 7
Why haven’t I received my stimulus money to my Flare Account yet?
We don’t have information about when economic impact payment direct deposits will arrive, but Flare Account direct deposits will be posted soon after they’re received. Make sure you’re enrolled in Anytime Alerts TM 7 to get a notification when a deposit is posted to your account and visit the IRS website for all official updates: https://www.irs.gov/coronavirus/economic-impact-payments.
I have the wrong banking information on file for the second stimulus payment. What can I do?
According to the IRS website, the Get My Payment tool doesn’t allow people to change their direct deposit bank account information that is already on file. This is to protect against fraud. Please visit the IRS website for the full details: https://www.irs.gov/coronavirus/economic-impact-payment-information-center.
Why have some people received their economic impact payment direct deposit, but I haven’t?
Some economic impact payments for Flare Account customers have been received through direct deposit and are being processing as normal. However, we don’t have information about your eligibility or when your payment will arrive. Please visit www.irs.gov/coronavirus/economic-impact-payments to get your payment details.
Helpful Ways to Manage Your Money
Enroll in Direct Deposit
Gain access to all your incredible account features when you have qualifying direct deposit.
Use the ACE Flare Mobile App 7
Download the ACE Flare Mobile App 7 to manage your money on the go.
Enroll in Anytime Alerts TM 7
Send and receive text messages about account activity. 7
Visit Us
ACE Cash Express Near You
With more than 925 locations across the country, there’s sure to be an ACE near you. Visit one of our friendly associates for help adding money to your Account, cashing checks, and more.
Find us on social media
Get in Touch
© 2021 Populus Financial Group, Inc. All Rights Reserved.
1. IMPORTANT INFORMATION FOR OPENING A NEW DEPOSIT 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 an Account. WHAT THIS MEANS FOR YOU: When you open an Account, we will ask for your name, street address, date of birth, and government ID number. We may also ask to see a copy of your driver’s license or other documents at any time. All Accounts are opened subject to our ability to verify your identity by requiring acceptable types of identification. We may validate the information you provide to us to ensure we have a reasonable belief of your identity. If we are not able to verify your identity to our satisfaction, we will not open your Account or we may close the Account if it was previously funded. Your Account is subject to fraud prevention restrictions at any time, with or without notice.
2. Faster funding claim is based on a comparison of the MetaBank, National Association, policy of making funds available upon receipt of payment instruction versus the typical banking practice of posting funds at settlement. Fraud prevention restrictions may delay availability of funds with or without notice. Early availability of funds requires payor’s support of direct deposit and is subject to the timing of payor’s payment instruction.
4. The optional Savings Account linked to your Flare Account is made available to Accountholders through MetaBank, National Association, Member FDIC. To open a Savings Account, consent to receive communications from us in electronic form is required. Interest is calculated on the Average Daily Balance(s) of the Savings Account and is paid quarterly.
6. Custom Card Fee applies. Fee will be assessed to your Account and the debit card will be mailed to you. If creating a custom card in the online account center, pictures must meet the image guidelines. If a custom card is lost, stolen, or damaged, you may: (a) reorder a custom card online; (b) recreate a custom card online; or (c) pay the Replacement Card Fee and a standard debit card will be sent. See online account center for custom card FAQs and the Deposit Account Agreement for more details.
7. No charge for this service, but your wireless carrier may charge for messages or data.
8. Payback Rewards is an optional program. You may opt-out at any time by visiting the Payback Rewards page in your Online Account Center. Reward offers are based on individual shopping habits. Cash back rewards are credited to your Account and are not available in the form of a check or other direct payment method. See the program FAQs and Terms and Conditions in your Online Account Center for additional details about how and when you get rewarded. Program sponsor: Netspend Corporation. MetaBank, National Association, is not affiliated in any way with this program and does not endorse or sponsor this program.
10. 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 www.irs.gov/refunds.
12. Mobile Check Capture is a service provided by First Century Bank, N.A. and Ingo Money, Inc., subject to the First Century Bank and Ingo Money Terms and Conditions, and Privacy Policy. Approval review usually takes 3 to 5 minutes but can take up to one hour. All checks are subject to approval for funding in Ingo Money’s sole discretion. Fees apply for approved Money in Minutes transactions funded to your account. Unapproved checks will not be funded to your account. Ingo Money reserves the right to recover losses resulting from illegal or fraudulent use of the Ingo Money Service. Your wireless carrier may charge a fee for message and data usage. Additional transaction fees, costs, terms and conditions may be associated with the funding and use of your account. See your Deposit Account Agreement for details.
13. The Flare Account uses the Netspend Network, which is provided by Netspend Corporation. Netspend is a licensed provider of money transfer services (NMLS ID: 932678). Netspend’s licenses and related information may be found at www.netspend.com/licenses. Fees, limits, and other restrictions may be imposed by Netspend and other third parties in connection with use of the Netspend Network.
15. You may request up to six (6) active Virtual Accounts for each active Account. Virtual Accounts are subject to the same fees, limits, terms, and conditions as your Account. See your Deposit Account Agreement or Online Account Center for details.