The Flare Account^® : Tools to Manage Money Your Way

Choose the right product for you.

Compare the Flare Account and the ACE Elite^® Visa^® Prepaid Debit Card

The Flare Account offers several options for customers looking for ways to manage their money. Although the ACE Elite Card allows you to manage and control your money on one convenient card, the Flare Account offers additional benefits. Compare your options and discover which product is best for you!

Compare Products	ACE EliteCard Card usage is subject to card activation and identity verification.¹	The Flare Account Account opening subject to verification of identity.¹
	ACE Elite Card	Get Started
No-Fee^2,3 Cash Withdrawals with Direct Deposit	Up to $100² per day at participating ACE locations	Up to $400³ per day at participating ACE locations
Earn interest on optional Savings Account	Earn up to 5.00% APY⁴	Earn up to 6.00% APY⁵
Optional Netspend Pre-Funded Check Service⁶
Enroll in Direct Deposit & Get Paid up to 2 Days Faster⁷
Pay-As-You-Go^SM Fee Plan⁸
Schedule of Fees	ACE Elite Fee Plan	Flare Account Fee Plan

IMPORTANT INFORMATION FOR OPENING A CARD OR 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, address, date of birth, and your 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 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. Residents of Vermont are ineligible to open a Card Account.
Make up to $100 in no fee cash withdrawals per day using the ACE Elite card at participating ACE Cash Express locations; $100 total is calculated based on all withdrawals performed at all ACE Cash Express locations visited in a day. Card must have been obtained at a participating ACE store or www.acecashexpress.com and a direct deposit (no dollar minimum) made to the card within the immediately preceding 35 days is required. See store for details. Although this feature is available at no additional charge with qualifying direct deposit, certain other transaction fees and costs, terms, and conditions are associated with the use of this Card. Offer subject to change. This optional offer is not a Pathward, National Association, or Visa product or service nor does Pathward, N.A., or Visa endorse this offer.
Make up to $400 in fee-free cash withdrawals per day from your Flare Account by using your debit card at participating ACE Cash Express locations. $400 total is calculated based on all withdrawals performed at all ACE Cash Express locations visited in a day. A direct deposit (no dollar minimum) to the account within the immediately preceding thirty-five (35) days is required. See store for details. Although this feature is available at no additional charge with qualifying direct deposit, certain other transaction fees and costs, terms, and conditions are associated with the use of this Account. Offer subject to change. This optional offer is not a Pathward, N.A., or Visa^® offer nor does Pathward, N.A., or Visa endorse this offer.
The optional Savings Account is made available to Cardholders through Pathward^®, N.A., Member FDIC. To participate in the Savings Account program, Cardholder must consent to and continue receiving communications from us in electronic form. If Cardholder is subject to Internal Revenue Service backup withholding at the time of the request to open a Savings Account, the request will be declined. Interest is calculated on the Average Daily Balance(s) of the Savings Account and is paid quarterly.

• If the Average Daily Balance is $1,000.00 or less, the interest rate paid on the entire balance will be 4.91% with an annual percentage yield (APY) of 5.00%.

• If the Average Daily Balance is more than $1,000.00, the interest rate paid on the portion of the Average Daily Balance which exceeds $1,000.00 will be 0.49% with an APY of 0.50%, and the interest paid on the portion of the Average Daily Balance which is $1,000.00 or less will be 4.91%. The APY for this tier will range from 5.00% to 0.54%, depending on the balance in the account.

The interest rates and APYs of each tier may change. The APYs were accurate as of 9/15/24. These are promotional rates and may change without notice pursuant to applicable law. No minimum balance necessary to open Savings Account or obtain the yield(s). Because Savings Account funds are withdrawn through the Card Account, Card Account transaction fees could reduce the interest earned on the Savings Account. Card Account and Savings Account funds are FDIC-insured upon verification of Cardholder’s identity. For purposes of FDIC coverage limit, all funds held on deposit by the Cardholder at Pathward, N.A., will be aggregated up to the maximum amount permitted by law upon receipt of funds by the Issuer.
Netspend Pre-Funded Checks is an optional service of Ouro Global, Inc. (NMLS ID: 932678) not provided or serviced by Pathward^®, N.A. See the Netspend Pre-Funded Checks Terms and Conditions for fees and terms.
Faster funding claim is based on the policy of Pathward, N.A. making funds available upon receipt of payment instructions versus the typical practice of posting funds at settlement. Early access to funds is not guaranteed and timing of early access may vary from period to period. Faster payment requires direct deposit and varies depending on the date in which the payor provides payment instructions. Fraud prevention restrictions may also delay availability of funds. 5 days faster funding claim is limited to federal government benefit funds.
The Pay-As-You-Go Plan (“PAYGO”) is automatically effective at the time of Card activation, unless the Cardholder chooses the optional Monthly Plan. These plans include only domestic purchase transaction fees and do not include ATM fees or any other fees associated with the use and reloading of the Card Account. See your Cardholder Agreement in your Account Center for details.

The Flare Account^® is a demand deposit account established by Pathward, N.A., Member FDIC, and the Flare Account Debit Card is issued by Pathward, N.A., pursuant to a license from Visa U.S.A. Inc. Netspend is a service provider to Pathward, N.A.
Card can be used everywhere Visa debit cards are accepted.
The ACE Elite^® Visa^® Prepaid Debit Card is issued by Pathward^®, N.A., Member FDIC, pursuant to a license from Visa U.S.A. Inc. Ouro Global, Inc. is a registered agent of Pathward, N.A. Card can be used everywhere Visa^® debit cards are accepted. Use of the Card Account is subject to activation, ID verification, and funds availability. Transaction fees, terms, and conditions apply to the use and reloading of the Card Account. See the Cardholder Agreement for details.
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