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$9.95
Monthly maintenance fee
$0
Signature transaction fee
$0
PIN transaction fee
Card type | Charge |
---|---|
Card network | Visa |
Monthly fee | $9.95 |
Monthly fee with a direct deposit | $5 |
Signature transaction fee | $0 |
PIN transaction fee | $0 |
Additional Cardholder Fee | $3.95 |
Review by
Cassidy Horton is a writer for Finder, specializing in banking and investments. She has a Bachelor of Science in Public Relations and a Master of Business Administration from Georgia Southern University. Cassidy enjoys educating people about financial services, exploring the Pacific Northwest and watching endless reruns of The Office.
The ACE Flare Account is best for those looking for an interest-bearing prepaid card with early access to direct deposits. The card earns 0.10% APY on Flare account funds and up to 5% on money in the optional savings account.
But to qualify for most of this card’s features, like no-fee withdrawals and overdraft protection, you’ll need to meet direct deposit requirements. There’s an unwaivable monthly fee, but it drops from $9.95 to $5 if you have at least $500 in monthly direct deposits.
You can get the Flare account in-person at any Ace Cash Express location or online.
Follow these steps to open the Flare Account online:
You can open an ACE Flare Account as long as you meet these requirements:
Before you apply for an account, have the following information on hand:
If you’re looking for a prepaid card that helps you grow your money with earned interest, the ACE Flare Account may be for you. In addition to common perks like no credit checks, this account features:
If you don’t receive direct deposits of any kind, this card may not be for you. One common drawback with prepaid cards is that they have small fees that can pile up over time. The ACE Flare Account has these specific drawbacks:
If you want a prepaid card that doesn’t require you to set up direct deposits, you’ll want to keep looking. As always, explore your options when considering a prepaid card.
We tried contacting Ace Flare’s customer support by phone and through the contact form on its website with no success. Its website promises a response within 24 hours, but it took a week.
Unless you’re a current cardholder, its automated phone system won’t connect you with anyone. The phone system asks for your account number or Social Security number that’s tied to your existing account. If you don’t enter a number that matches their records, the system hangs up on you. We attempted to bypass the automatic system and were never able to get past it.
If you’re thinking about getting an Ace Flare account, but have questions and want to speak with a customer service rep, it’s almost impossible. You may have better luck emailing them directly at customerservice@aceflareaccount.com.
There are several ways to fund your ACE Flare Account:
Expect to get your ACE Flare Account card within seven to 10 business days of account opening. If you need it sooner, you can pay a $20 rush fee to get it within three business days or $25 to get it in one to two business days.
Here’s how to make the most of your ACE Flare Account card: