The Flare Account® - Online Banking & Savings

Your Flare Account

Online banking for your everyday life.

Experience online banking streamlined with real-time updates and text message alerts along with other helpful financial features.

Banking services provided by Pathward, N.A., Member FDIC.

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 Faster² 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.²

No-Fee³ Cash Withdrawals

Withdraw up to $400 in cash per day without a fee at a participating ACE Cash Express location near you.³ Qualifying Direct Deposit required.

High-Yield Savings Account⁴

Earn up to a competitive 6.00% Annual Percentage Yield (APY) with the optional Savings Account.⁴ Qualifying Direct Deposit required.

Optional Overdraft Protection⁵

Enroll in our Overdraft Service⁵ that gives you a 24-hour grace period when you need it most. Once enrolled and eligible, there is a $20 fee for each transaction that overdraws your account by more than $10. To avoid that fee, you have 24 hours to bring your account back to $0 or more.

Payback Rewards^SM6

Activate special offers in the Mobile App or in your Online Account Center and earn credits to your account when you use specific offers.

Flare Account FAQs

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 everywhere Visa^® debit cards are accepted.

How can I find the closest ACE Cash Express store?

Use our Store Locator to find a store near you!

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,⁷ set up a bank transfer⁸ from a checking or savings account, or direct deposit your tax refund.

How do I deposit a check into my Flare Account?

You can visit any ACE Cash Express store to cash your check⁹ and add the check funds⁷ to your Flare Account. The cost to cash a check depends on the type of check.

How do I withdraw cash?

For a $3.00 fee, you can withdraw cash at an ATM, just like a regular bank debit card. If you withdraw cash at a participating ACE Cash Express location, you can skip the withdrawal fee if you withdraw $400 or less per day in total and if you have qualifying Direct Deposit activity.³

How do I send money with the Flare Account?

Every account is associated with a FlashPay ID. You can send money to almost anyone if they also have a FlashPay ID.¹⁰ When you send money, we notify the recipient that money is waiting for them. You can choose from these three ways to send money:

1. Online
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.

2. Mobile App
In the ACE Flare Mobile App, open the navigation tray on the left-hand side. Select the “Move Money” dropdown and then select “Send Money.” Select the recipient from your contacts and enter the amount to send, as well as an optional note. Click “Continue” and then verify the information. The money will be sent once you verify the information is correct.

What is FlashPay ID?

Every Flare Account has a FlashPay ID. It’s simply a number that you can safely share with other Flare Account members so that they can send money to you!¹⁰

Contact Us

Have an account question? Let’s connect.

Phone: (866) 753-6355

Email:

Sign in to your account and email us through your secure inbox.

In-Person:

Visit an ACE store near you and one of our associates will assist you.

Deposit Account Agreement

Online Banking for Your Everyday Life