Account Opening and Usage

Retail Application Processing Fee $3.00
One-time, non-refundable fee charged for processing a new Account application submitted through a Retail Location. Fee not applicable to Accounts opened online.
Minimum deposit needed to open Account  $0.00
Monthly Fee $9.95 
Standard monthly service fee for accounts that do not receive the qualifying direct deposits for the lower $5 Monthly Fee (See below).

$5.00
Monthly service fee for accounts that receive Direct Deposit(s) totaling at least $500.00 in one (1) calendar month. Upon qualifying, your Monthly Fee will be lowered to $5.00. Subsequent Direct Deposits are not required to keep the lower Monthly Fee.
Interest-Bearing Yes
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.
Overdraft Fee $20.00 Per transaction that overdraws your Account by more than $10.00
Maximum Number of Overdraft Fees per Calendar Month 5
Overdraft Fee Threshold If your Available Balance is overdrawn by $10 or less, you will not be charged an Overdraft Fee.

Please see your Deposit Account Agreement for additional information on avoiding Overdraft Fee(s).

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:

  • Direct Deposits and any other ACH credits are posted at the time we receive and process the applicable ACH file or at the time we receive pending deposits that are immediately available for your use. ACH debits are deducted from your Account in the order of lowest to highest dollar amount if multiple ACH debits are present in a single ACH file that we process.
  • Debit transactions received during the day are debited as they occur if there is a sufficient balance in your Account to pay them.
  • Finally, fees for services we provide that have not already been debited from your Account are processed.

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.

Business DayAny day of the week that is not a Saturday, Sunday or federal holiday. Non-Business Days are considered part of the following Business Day.
Direct Deposit Fee $0.00
Balance Inquiry Fee – OAC, Mobile App, Email or Text Message $0.00 Standard text message or data rates may apply
Balance Inquiry Fee – Telephone Customer Service Agent $0.50 Per inquiry conducted through a Customer Service Agent
Over The Counter Cash Withdrawal Fee at a financial institution $2.50 Per withdrawal, plus the Foreign Transaction Fee (if any), at a bank location. A fee may also be assessed by a financial institution that is not a member financial institution (e.g., Visa or Mastercard).
Additional Statement Mailing Fee $5.95 Per statement requested

$0 To view or print your statement on the OAC.
Replacement Card Fee $3.95 Per replacement requested for lost, stolen, or damaged Cards
Additional Card Fee $3.95 Per additional Card requested
Custom Card Fee $4.95 Per custom Card requested
Card Delivery Fee

7-10 Business Days

3 Business Days

1-2 Business Days		  

$0.00

$20.00

$25.00
Decline Fee – ACH Debit or Preauthorized Payment Transactions $0.00 Per declined ACH debit or preauthorized payment transaction.
Stop Payment Fee – ACH Debit or $0.00 Preauthorized Payment Transactions $0.00 Per stop payment requested.
Foreign Transaction Fee 3.0% Fee assessed on all purchase transactions and cash withdrawals conducted outside of the U.S.; and is based on U.S. dollar amount of the transaction. For cash withdrawal transactions, the surcharge is in addition to the International ATM Cash Withdrawal fee.
If you have questions or would like additional information Please visit the OAC or call us at 1-866-753-6355. We will be happy to assist you. In addition, the Deposit Account Agreement governs the terms and conditions of Account(s) with us. Please refer to the Agreement for complete Account details. 
Account-to-Account Transfer Fee –Online $0.00 Per transfer conducted through the OAC
Account-to-Account Transfer Fee –Customer Service Agent $4.95 Per transfer conducted through a Customer Service Agent
Bill Payment Fee Visit your OAC for a full range of bill payment options, including ACH Debit/Preauthorized Payment transactions. Depending on the bill payment service you select, a fee may be assessed to your Account and will be disclosed to you prior to use of the service. Certain fees are determined and assessed by third-party service providers.
Funds Transfer Fee Visit your OAC for a full range of transfer options between your Account and another account or third party. Depending on the transfer service you select, a fee may be assessed to your Account or to the transferor. The fee may be determined by a variety of factors set by the service provider, such as speed, amount, or destination. Some of the fees are assessed by third parties or the originating bank, and are not assessed by Bank.

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.