This is our review of the ACE Elite Prepaid Visa Cards, which come in three varieties: the ACE Elite Visa Prepaid Card Review (with Annual Fee), the ACE Elite (without Direct Deposit) and the Pink ACE Elite Visa Prepaid Card.
ACE Elite Visa Prepaid Card Review (with Annual Fee)
ACE Elite Prepaid Visa Card
Among the prepaid debit cards currently in the market, one of the most efficient, as well as the easiest to use, is the ACE Elite Visa Prepaid Card (with Annual Fee). Offered in partnership with NetSpend, this unique card is a highly innovative product which was developed in line with NetSpend’s philosophy of excellence in service and innovation. The Ace Elite Free Advantage Visa has one of the best annual plans with some great features. The prepaid Visa cards are available in two main plans – The Free advantage and the spending level (which determines the amount you have to pay). The former plan offers customers a greater variety of options. The review below is for the Free Advantage annual plan with no direct deposit. (Please also check out our reviews for the Monthly Plans and the Free Advantage DD.)
ACE Elite Visa Prepaid Card (Annual) Overview & Base Fees
The card has many user-friendly features. The customer only has to pay a minimal amount of $3.95 for card activation and $5.83 as a monthly fee. The card, which is operated by Visa, is issued through MetaBank. Moreover, the card, which is insured under FDIC Insurance, has an easy and highly efficient bill payment structure. As this card has no credit builder option, it will help you to maintain a healthy fund balance.
ACE Elite Visa Prepaid Card (Annual) Feature Review
Given that ACE card users have a variety of options, they are more likely to source for and choose the plans that will best satisfy all their needs and provide the best service. The ACE Elite Visa Free Advantage annual plan does not require a direct deposit. The card offers an array of great features which are not usually available in other products. For example, the customer does not have to pay an application fee, nor has to go through a credit check. There are also free ATM withdrawals at many ACE locations. Users also receive Free Anytime Alerts through which they can check their transactions and balance any time via email or text. In addition, users also get a free savings account with APY of 5.00%. They also need not endure long queue to pay chasing fees. The ACE Elite Visa Card is the most secure card available today, given that it is completely supported by Visa’s Zero Liability and FDIC insurance. Users will definitely find this debit card a useful feature in their lives.
ACE Elite Visa Prepaid Card Ratings
The card has also received outstanding ratings for its excellent features. NetSpend, which is the operator for these cards, has been given a fantastic rating by the BBB primarily because of its dedication towards customer service. With its extremely low transaction fees and monthly fees, as well as its disclosure clarity, the ACE card has been given a high rating of four stars. The card does not allow the direct deposit option. Moreover, it is not suitable for users who require many transactions on a daily basis (e.g. paper statements, ATM transactions) as this could end up being very costly. For users who only require little transactions, the PAYG plan is a more suitable option as it has no monthly fees and very low activation dues.
ACE Elite Visa Prepaid Card (Annual) – Additional Benefits
With its wide range of features, the ACE Elite Prepaid Card can also help users achieve considerable savings. For one transaction per month, the cost per month can be as low as $5.83, compared to the $12 fee offered by Bank of America’s regular checking. The fee for transacting about $2000 per month is $0.00, as compared to the Cash Checking Store’s fee of $90.80. For five transactions per month, the cost is $0, as compared to Check Cashing Store’s fee of $5.50. For five online purchase transactions, they are in line with Bank of America’s regular cashing at $0.00. Similarly, for five in-store purchase transactions, they are also the same as Bank of America’s regular cashing at $0.00. (However, for two ATM withdrawals per month, its fee of $5 is higher than that of the Bank of America ($4) and the Cash Checking Store ($0.00)). In addition, there is no penalty charge for one overdraft, as compared to the Bank of America’s charge of $35.
ACE Elite Visa Prepaid Card (Annual) – Usage Fees
The ACE Prepaid Card has a simple fee structure, which does not have a direct deposit feature. The total annual fee of $69.95 includes the monthly fee of $5.83 and the activation fee of $3.95. The card limit is $5000. There are no charges for PIN and signature transactions, as well as bill payments. The fees for ATM balance inquiry and ATM Withdrawal are $0.50 and $2.50 respectively.
ACE Elite Visa Prepaid Card (Annual) Conclusion
With just a little extra care, users can easily avoid the fees associated with these cards. Therefore, it is important to go through the terms and conditions of each card, before deciding whether to use it or not. Read on about what to do when your debit card is misplaced or stolen, how to load funds onto a NetSpend card, how to attain a secondary card on a prepaid debit card, how to load money on a prepaid pay power card and how to create a direct deposit on a NetSpend Prepaid card. You can also contact us if you have any queries on such matters.
ACE Elite (without Direct Deposit)
ACE Elite Prepaid Visa Card (without Direct Deposit)
The ACE Elite (not using direct deposit) is a technological and efficient debit card. It is offered in partnership with NetSpend, one of the leaders in the debit card industry. This prepaid debit card is one of the best products in the market today, offering users a comprehensive fee plan and a range of useful features. The two plans offered through this card are Fee Advantage and PAYG. The former plan is for customers who have various needs. The review below is for the “Advantage plan on a monthly basis with no direct deposit”. Do also check out the “Annual Plan” and the “Fee Advantage Direct Deposit” plans on our website.
ACE Elite Visa Prepaid Card (no Direct Deposit) Summary Review
Given the wide range of options offered by the ACE Elite, users are definitely able to find a plan that suits their needs. The ACE Elite card with “Fee Advantage” plan does not require a direct deposit. The user is also provided with a No-free cash withdrawal facility at ACE sites. In addition, the user also gets free text and email alerts on the latest balance and transactions. With complete paid enrollment, the user gets to benefit from a range of free transactions of an unlimited amount. There is also no need to endure long queues to pay cashing fees. With the use of this debit card, the consumer will be able to benefit from opening a savings account free, with 5% APY, with the funds secured by Visa’s Zero Liability feature and FDIC-backed insurance.
ACE Elite Free Advantage Plan Fee Structure
The ACE Elite Visa Card (not using direct deposit) also has a very good fee structure with a low activation fee of about $3.95 and a monthly fee of $9.95. The card, which is operated by Visa, is issued by MetaBank. To ensure that the user maintain a balance of funds, no credit builder facility is provided.
This debit card product has been given favorable reviews. Due to the comprehensive features of the ACE Elite Visa Card (not using direct deposit), the card has received a considerably high rating of four stars (out of five). In addition, the card also has a good fee structure, comprising of low transaction and monthly fees. Moreover, the card’s multiple load option features have also been acknowledged by its rating of five stars. As for the card’s disclosure clarity function, it has received four stars out of five.
ACE Elite Visa – NetSpend Customer Service
NetSpend, the company behind the card, has been acknowledged for its dedicated customer service. This card does not require a scheduled direct deposit per month. For the user, the volume of transactions undertaken is also important in determining the appropriate type of plan for the card. For example, if you are going to make many transactions (e.g. paper statements, ATM transactions) regularly, it is better to choose the right plan or this card will incur heavy fees. For cardholders who do little transactions, the plan of “Pay as you Go” is a possible option, given its low monthly and activation fees.
ACE Elite Visa Prepaid Card (no Direct Deposit) Usage Fee Reviews
The ACE Elite Visa Prepaid Card (not using direct deposits) has a simple and easy payment or fee structure. Although the monthly fee is considerably higher for all ATM transactions and bill payment transactions at around $9.95, the Point of sale (PIN) transactions and the Signature transactions are free. The activation fee for this card is only $3.95 and the card limit is $5000. Unlike other cards, this card has a bill payment fee of $1.00 and an ATM balance inquiry of $0.50. The ATM withdrawal fee is at $2.50.
This particular card has a wide range of options for users with different needs. These include the “Fee Advantage” annual plan, “Pay as you Go”, the “Fee Advantage monthly plan” and the “Direct Deposit Plan with fee advantage”. All the cards are available in beautiful colors like lovely pink and platinum sleek silver.
ACE Elite fee Advantage VS. Bank Of America Fee Comparison
The ACE Elite Visa Prepaid Card (not using direct deposits) also provides its consumers with a variety of features at the most cost-effective prices. Compared to the check cashing stores and Bank of America’s regular checking facility, this card has more reasonable transaction costs. For one transaction per month, the monthly fee charged is the lowest at $9.95, as compared to Bank of America’s $12. The cash payback facility for an amount of $2000 is also $0.00, as compared to that of the check-cashing store at $9.90. Similarly, bill payment fees are also low at $5, as compared to that of the check-cashing store at $5.50. The fees for online and in-store purchases are the same as the other two competitors at $0.00.
Pink ACE Elite Visa Prepaid Card Review
ACE Elite Pink Visa Prepaid Debit Card
The Pink ACE Elite Visa Prepaid Card is operated in collaboration with NetSpend, the leader of prepaid debit cards. The Pink ACE Elite Visa Prepaid Card is a great product that offers amazing features and a competitive fee plan. Even though this debit card is available in two different plans – ‘Pay As You Go’ and ‘Fee Advantage’, this review is about the former. This is because the ‘Fee Advantage’ plan does not offer enough options for most customers, which is why it pales in comparison to the other plans.
Pink ACE Elite Visa Prepaid Card Summary Review
One of the attractive features of this debit card is that a small portion of all of your purchases will be donated to a charitable cause to create awareness for breast cancer. In a way, such a feature encourages cardholders to spend more. The more they spend, the more money that is donated to charity. When people know that they are doing something for a good cause, they will subconsciously make an effort to help as much as they can.
Applying For The Pink ACE Elite Visa Prepaid Card
As for the application process, there is no credit check or application fee. Firstly, a credit check is not required because you are applying for a debit card, and not a credit card. Credit checks are not necessary because the cardholder will be using his or her own money, instead of borrowing from the service provider. Secondly, since the application process is fast and simple, there is no need to charge for the service.
Pink ACE Elite Visa Prepaid Card ATM & Other Card Fees
Cash withdrawals from ATMs will cost $2.50 per transaction. Balance enquiry comes with a fee of $0.50. However, if you use one of many ACE Locations to withdraw cash, you will not be charged any fee. This is another reason why this debit card is so popular. Moreover, there are no transaction fees or limits on purchases. You can spend as much as you want in a single day without having to pay any additional transaction fees, which is a feature that not many debit cards are willing to offer.
There is a free direct deposit service, which simply means that you can now get your salary two days before everyone else does, and that there is no need to endure long queues just to make your deposit. Electronic transfers made through the direct deposit service allow the funds to be transferred to any account, anywhere in the country, on the same day that the transaction was initiated, with no added costs or fees. This is a great way to save a lot of time and money, because funds that are transferred through direct deposit are exempted from any service fees.
Pink ACE Elite Visa Prepaid Card Mobile Banking Functionality
There are also free alerts sent out by the service provider every time the debit card is used. All the details of the purchase will be highlighted in the SMS or email, such as the place of purchase, time, date and total amount. Moreover, cardholders can use the SMS and email service to transfer money from one place to another, or to check your current debit card balance.
Another great feature of this debit card is that cardholders can earn a profit through a savings account. If you are able to maintain a certain amount of money for a specified period of time, you might be able to earn up to 5% interest on that amount. Since most people keep a minimum balance on their debit cards, regardless of whether or not they are required to, it might be a good idea to opt for this program.
Pink ACE Elite Visa Prepaid Card Conclusion
Most cardholders love the fact that this card limit is $5000, which is double that of what most other debit cards. This is considered the perfect amount of money that should be allowed because it is just enough to last you a couple of months, without having to constantly top up your debit card. It is also not so high that it would lead to uncontrollable spending. The signature and PIN transactions services are $1 and $2 respectively. There is no monthly fee with this debit card, but the activation fee is $3.95. Paying bills with this debit card will cost you about $1 and the ATM withdrawal fee is $2.50.
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