Bank Account with Optional Savings

Open an optional online savings account with your Flare Account to earn interest on money you save.

With a qualifying direct deposit to your Flare Account of at least $500 in one calendar month, you are eligible to open an optional savings account at the following APY tiers:

Annual Percentage Yield



Savings Account Average Daily Balance of $2,000.00 or less1


Savings Account Average Daily Balance of more than $2,000.001

Interest Rate Paid



Savings Account Average Daily Balance of $2,000.00 or less1


Savings Account Average Daily Balance of more than $2,000.001

Get Started

Open a Flare Account Online

Don’t have a Flare Account? There are no fees2 or minimum balance required to apply online. Already have an Account? Once you establish a qualifying Direct Deposit of $500 in a calendar month, you’ll pay no fees to open an Optional Savings Account1 with us, with no minimum balance required.

Monthly fee applies.

To see full list of fees, visit our Rates page.

Apply NOW
Flare Card Design

Have Questions?

You’ll earn up to 6.00% APY on your $2,000 of your Average Daily Balance. Then, for the dollar amount over $2,000, you will earn 0.50% APY.1

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.

Step 1: Set up qualifying Direct Deposit to your Flare Account (minimum $500 in 1 calendar month).

Step 2: Open the optional Savings Account and add funds.

Step 3: Earn interest based on your Average Daily Balance.

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1. The optional Savings Account linked to your Flare Account is made available to Accountholders through MetaBank, 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.

   • If the Average Daily Balance is $2,000.00 or less, the interest rate paid on the entire balance will be 5.87% with an annual percentage yield (APY) of 6.00%.

  • If the Average Daily Balance is more than $2,000.00, the interest rate paid on the portion of the Average Daily Balance which exceeds $2,000.00 will be 0.49% with an APY of 0.50%, and the interest paid on the portion of the Average Daily Balance which is $2,000.00 or less will be 5.87%. The APY for this tier will range from 6.00% to 0.60%, depending on the balance in the account.

The interest rates and APYs of each tier may change. The APYs were accurate as of 1/1/2020. No minimum balance is required to open Savings Account or obtain the yield(s). However, you must receive direct deposit(s) totaling at least $500 within one (1) calendar month to be eligible to open a Savings Account. Savings Account funds are withdrawn through the Flare Account (maximum 6 such transfers per calendar month) and transaction fees could reduce the interest earned on the Savings Account. Funds on deposit are FDIC-insured through MetaBank, Member FDIC. For purposes of FDIC coverage limit, all funds held on deposit by the accountholder at MetaBank will be aggregated up to the coverage limit, currently $250,000.00.

2. While this feature is available at no additional charge, certain other transaction fees and costs, terms, and conditions are associated with the use of this Account. See the account holder agreement for more details.

The ACE Flare Account is established by MetaBank, Member FDIC. Netspend, a Global Payments Company, is a service provider to MetaBank. Netspend, a Global Payments Company, is an authorized Independent Sales Organization of MetaBank. Certain products and services may be licensed under U.S. Patent Nos. 6,000,608 and 6,189,787.

© 2020 Global Payments Company. All rights reserved worldwide. Global Payments Company and Netspend are federally registered U.S. service marks of Global Payments Company. All other trademarks and service marks belong to their owners.