The Prepaid Debit Card That Helps You Manage Your Business

1 Order Your Card

Simply give us your name, mailing address, and answer a few other questions, and your card will arrive in 7 business days.1

Get a Card

2 Activate Your Card

Once your card arrives, activating it is easy. Come back to this website (it's a good idea to bookmark this website now) to activate online, or call 1-866-994-3630.

Activate My Card

This prepaid card may be used only for business related transactions in connection with your business operations and will not be treated as a consumer prepaid card under state or federal law. This prepaid card may not be used for personal, family, or household purposes.

Adding Money

The ACE Business Select Visa® Prepaid Debit Card offers many easy ways to add money to your account

  • Free2 Direct Deposit of paychecks or other regular payments
  • Accept payments from customers using ProPay® 3
  • Transfer money directly from your bank2
  • Visit any of the 1,400+ ACE Cash Express locations, or the 130,000+ reload locations in the NetSpend Reload Network2

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Sub-Accounts

Distribute and manage employee spending while staying in complete control

Your ACE Business Select Card comes with the ability to add two authorized Sub-Accounts4 for partners or employees that need to do expense spending for your business. That means that you decide how much money they can spend, and you can track every transaction. It’s the freedom to let your business operate the way you need combined with total control over your expenses.

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What It Costs

No hidden fees and no surprises

It’s important to us that you are never surprised by fees when you use your ACE Business Select Visa Prepaid Debit Card. See the complete list of fees below so that you can make the decisions that are right for you when you make purchase and withdrawal choices.

FeeAdvantage Plan
Master Account Fee5
$9.95 per month
Sub-Account Fee
$4.95 per month, per Sub-Account
Signature Purchase Transaction Fee
Included in Plan
PIN Purchase Transaction Fee
Included in Plan
Foreign Transaction Fee
3.5% of the U.S. Dollar amount of the transaction
Add Money To Your Account
Direct Deposit Fee
No fee to enroll or to receive direct deposits
Fee to add cash or check proceeds at a NetSpend Reload Network location
Fee may be assessed by reload location and may vary from location to location.
Bank Transfer Fee
Visit your Online Account Center to learn how to transfer funds to your card from another bank account using a bank debit card or account number. Fees are determined and may be charged to the transferor’s bank account by the service provider or originating bank.
Mobile Check Load
Fee may be assessed by third-party remote deposit capture service provider.
See www.ingomoney.com/ingo-acemobileloads.html for fee details.
ProPay JAK Mobile Card Reader
See www.ProPay.com for current fee assessed by ProPay
Credit Card Loads (ProPay)
See www.propay.com/ACE for discount rate details available to ACE Business Select Cardholders
Account-to-Account Transfer Fee via website
No fee
Account-to-Account Transfer Fee via Customer Service agent
$4.95 each
Manage Your Accounts
Balance Inquiry Fee
  • No fee when using Online Account Center
  • No fee when using Anytime Alerts text or email message; standard text message or data rates may apply
  • $0.50 each when using a telephone automated service
  • $0.50 each when speaking with a Customer Service agent
  • $0.50 each via Domestic and International ATM, plus ATM owner fees, if any
Anytime Alerts
No fee to enroll in Anytime Alerts text/email message service or to send or receive messages; standard text message and data rates may apply.
Account Verification Fee
$19.95 (one-time fee charged if additional documentation submitted for first attempt at verification beyond Basic Business level verification)
Check Refund
$5.95 each
Statement Mailing Fee
$5.95 per statement request
Additional Master Account Card Fee
$3.95 each
Lost, Stolen, or Damaged Card Replacement Fee (Master or Sub-Accounts)
$3.95 each
Make Payments
Bill Payment Fee
In addition to the one or more no-cost bill payment methods made available through third-party service providers, you can see a full range of options, including ACH Debit/ Preauthorized Payment Transactions, and the applicable fees in your Online Account Center. Fees are determined and assessed by third-party service providers.
ACH Debit/Preauthorized Payment Transaction Decline Fee
$1.00 for each such declined transaction
Stop Payment Fee for ACH Debit/Preauthorized Payment Transactions
$10.00 each
Withdraw Cash
Over-the-Counter Cash Withdrawal Fee at a financial institution (also referred to as the “OTC Fee”)
$5.00 per withdrawal. A Foreign Transaction Fee may also apply, if applicable. A fee may also be assessed by the financial institution and may vary from location to location.
Over-the-Counter Cash Withdrawal Fee at a NetSpend Reload Network location (also referred to as the “OTC Fee”)
Fee may be assessed by reload location and may vary from location to location. Service not available at all reload locations.
Domestic ATM Cash Withdrawal Fee
$2.50 per withdrawal, plus ATM owner fees, if any
International ATM Cash Withdrawal Fee
$4.95 per withdrawal, plus the Foreign Transaction Fee, and the ATM owner fees, if any.
Foreign Transaction Fee
3.5% of the U.S. Dollar amount of the cash withdrawal
ATM Transaction Decline Fee
$1.00 each
Optional Features
Custom Card Fee
$4.95

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Verify Your Business

Beyond the basics for the company that needs more

Get the most out of your ACE Business Select Card Account by verifying your business6. Once verified, you can:

Increase Your Maximum Balance

Your account already comes with a $15,000 maximum balance. When you verify, we'll automatically increase the maximum to $25,000 dollars.5

Add Your Business Name to Your Card

Add credibility to your business by displaying your company’s name with pride right on your ACE Business Select Prepaid Debit Card.

Create Additional Sub-Accounts

An unverified ACE Business Select Card Account can create 2 Sub-Accounts. When you verify, you can add up to 10 authorized cards.4

Let Your Business Own the Account

Once we verify your account, ownership will transfer to your business, reducing your personal liability.

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Use Your Card

Conduct your business with ease

Using your ACE Business Select Card is simple. With your card, you can:

Use your card everywhere Visa® debit cards are accepted

Use your card to shop online, in stores, over the phone, or to get cash at ATMs.7

Send and receive money

Whether transferring money between your accounts, or sending money to others, there are many money movement options available to you.8

Pay your bills

With your ACE Business Select Card, you can pay your company’s bills simply and easily from within your Online Account Center.9

Get Your ACE Business Select Visa Prepaid Debit Card Today!1