• 100% Guaranteed. You need this card, you apply and you will receive it. No credit checks are conducted.

• Widely Accepted. Use your MetaBank ACE Visa Prepaid Debit Card everywhere Visa debit cards are accepted, plus use it to pay bills online and control your finances.

• No application fees, free direct deposit and free online management. Plus you can get a $5.00 reward for every referral that becomes a card member. That is free cash.

The ACE Visa Prepaid Debit Card issued by MetaBank is easy to obtain and convenient to use.  The card is designed for those who have bad credit or no credit history and can’t get a typical credit card. No bank account is required to become a cardholder and no credit check is conducted when you apply. You will receive your card in about 10 business days from time of application.

Easy and Convenient Solution

The prepaid debit card can be a useful solution for many people. What is a prepaid credit card? It works similar to a bank account: you put money on the card, this amount serves as your spending limit, and you can spend what you have. But the card acts and looks like a credit card to the world. A prepaid credit card can help you manage and properly spend your money on a budget. Instead of getting into credit card debt and overspending because it is too easy to rack up charges on a credit card, a prepaid card keeps you within your budget. There are no minimum balances required with this card. You can make purchases anywhere Visa debit cards are accepted: shops, department stores, grocery stores, hotels, airlines, restaurants, for online purchases, and those purchases by phone. You can even use the card for bill payment. Imagine, tracking all of your expenses through one card, and at the same time avoid check-cashing fees, money order fees, and carrying unprotected cash around.

Loading money to your MetaBank ACE Prepaid Visa Card is simple: you can choose the free Direct Deposit (for your paycheck or government check), or you can add cash at thousands of retail locations, do bank ACH transfers or PayPal transfers. The online search tool helps you find all of the locations near you for cash loading. These may include grocery stores, 7-Eleven, Western Union, CVS or other pharmacies, WalMart and of course ACE Cash Express stores. Add money to your card, and you are ready to manage it well. Don’t forget, more than 30 million merchants worldwide accept Visa Cards.

A Solution for College Students and Their Parents

Parents, you may have great credit, but you hesitate to get a credit card for your college students. This will add additional interest payments and charges, and you could have some nasty surprises if there is a spending binge. The MetaBank ACE Prepaid Visa Card can be a perfect solution. You add cash to the card, so your child has a secure and protected means for purchases and expenses. You control the amounts that are loaded, and your child learns money management. And this is safer than cash.

Some business people may have an entrepreneurial venture or small business on the side, and are paid with PayPal. Transfer the PayPal balances quickly and easily to your ACE Prepaid Visa Card, and you will save time and money on check-cashing fees or checks coming through the mail.

The MetaBank ACE Prepaid Visa Card has a number of good features. Cardholders will have free direct deposit (transfer of paychecks or government checks), FDIC insurance through MetaBank, 24/7 account access, free additional cards for family members, free transfers between cards, unlimited signature or PIN transactions for $9.95 per month through the FeeAdvantage plan, free wireless alerts about your account, no interest charges, automated customer service, online access to statements, email and text alerts, and of course, online bill pay. There is no application fee and no charge for cash withdrawals at the 1,600 ACE Cash Express locations. And you can get a $5.00 reward for every referral that becomes a cardholder. What a nice bonus – free money for sharing the good news about the ACE Prepaid card.

Let’s Look at the Fees

What are the fees in more detail? You have two choices, either “Pay-As-You-Go” or “Fee Advantage” programs. If you choose “Pay-As-You-Go”, you pay a fee of $1.00 for every signature purchase and $2.00 for every PIN purchase. If you choose “Fee Advantage”, your monthly service fee is $9.95 with free signature and free PIN purchase transactions.  So, if you plan to make more than 9 or 10 purchases per month, it makes sense to sign up for “Fee Advantage”. There is a card fulfillment charge of $9.95 for either plan and a $5.95 fee for an additional statement mailing. All account-to-account transfers done online are free. ATM cash withdrawal fees at up to $2.50 per withdrawal and a lost or stolen card replacement is $9.95.  If you don’t use your card for 90 days, there will be a $5.95 account maintenance fee – so use the card!  International fees will apply, if you use your card abroad. Always check the up-to-date fee schedule when you apply for the card.

Attention to “pre-authorization” at gas stations and at rental car agencies

MetaBank explains that your minimum balance should be about $100 if you use your card at gas stations. That is because the merchant typically obtains a higher pre-authorization than what the purchase will be. After purchase, the difference will be released back to your account, but it may not take place immediately. If you are going to rent a car, MetaBank suggests that you should have at least 15% above the rental amount of the car because of the way rental agencies handle the rental security deposit, too.

MetaBank is serious about protecting your privacy and security. It uses encrypted and secure websites, will automatically log you out after a 15 minute period of inactivity and will monitor possible fraudulent activity. The privacy statement will be provided when you apply. You are protected from unauthorized transactions. Metabank and FDIC are behind this card.

The MetaBank ACE Prepaid Visa Card is the card to consider if you have poor credit or have no credit history.  Fees are reasonable, and your acceptance is guaranteed. There will be no credit check done when you apply and there is no application fee.  You will receive your card in about 10 days after application. You can start managing your money better with the ACE Prepaid Visa Card, and you won’t be disappointed.