FAQ Answers to Your Flare Account Questions Flare Account (2022)

How do I open a Flare Account?

Start an application online now!1 Once we verify your identity, we’ll send you a card in the mail. You can also visit an ACE Cash Express store to apply in person.

When will I get my debit card?

In most cases, your new card takes 7-10 business days to arrive. Check your mailbox for an envelope from Flare Account. If you don’t receive it within the 7-10-day period, give us a call at 866-753-6355.

Why should I use Direct Deposit with the Flare Account?

When you choose to direct deposit your paycheck or government benefits, you’ll receive access to many of the Flare Account’s best features! Your qualifying direct deposit activity gives you the ability to get paid up to 2 days faster2, take advantage of no-fee3 cash withdrawals up to $400 per day at participating ACE locations, open an Optional high yield Savings Account4, opt-in to Optional Debit Card Overdraft service5and more.

How do I add money to my Account?

There are many ways to add money to your Flare Account! You can enroll in Direct Deposit for your paycheck or government benefits, add money at an ACE store,10 set up a bank transfer11 from a checking or savings account, or direct deposit your tax refund.

How can I find the closest ACE Cash Express store?

Use our Store Locator to find a store near you!

How do I get paid up to two days faster?2

You can enroll in direct deposit with your Flare Account to get paid up to 2 days faster!2 Find your Routing Number and Account Number in theOnline Account Portal.

Need help? Visit an ACE Cash Express location or Contact Us to assist.

What can I use my Flare Account debit card for?

You can use your Flare Account debit card for all your regular everyday purchases. Pay bills, buy groceries, shop online, pay for gas … the options are endless! You can use your Flare Account debit card wherever Visa®debit cards are accepted.

What’s the difference between prepaid cards and a Flare Account?

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The Flare Account is a bank account and provides the benefits offered by a prepaid card, with extra benefits you’ll really love. Want to know more? Compare the Flare Account with the ACE Elite Visa Prepaid Debit Card.

I already have an ACE Elite™ Visa® Prepaid Debit Card. Why should I upgrade to a Flare Account?

Great question. The ACE Elite Visa Prepaid Debit Card is a convenient option for managing your money. The Flare Account offers even more benefits to fit your lifestyle and your money management needs.Compare the Flare Account with the ACE Elite Visa Prepaid Debit Card.

How do I withdraw cash?

For a $2.50 fee, you can withdraw at an ATM, just like a regular bank debit card. If you withdraw at a participating ACE Cash Express location, you can skip the fees and withdraw up to $400 a day, when you have qualifying Direct Deposit activity.3

How can I earn interest on my Optional Savings Account?

When you have qualifying monthly Direct Deposit, you may set up an optional Flare Account Savings Account, and you can start earning up to 6.00% Annual Percentage Yield (APY).4 That means that the money you have in your Savings Account can earn money just for being there. Your actual APY will vary based on qualifying factors, including Average Daily Balance.

What does qualifying direct deposit mean?

When you have direct deposit activity with your paycheck or government benefits, you gain access to more of the Flare Account’s powerful features, including getting paid up to 2 days faster.2With a direct deposit of $500 or more, you can be eligible to open an optional Savings Account with up to 6.00% APY.4

What if my optional Savings Account has a higher Average Daily Balance than $2,000?

You’ll earn up to 6.00% APY on your Average Daily Balance up to $2,000. Then, for the dollar amount over $2,000, you will earn 0.50% APY.4

Can I create a custom card design?

Yes! For an additional fee of $4.95, you can choose from one of more than a dozen premium card designs.6You can view custom card6options through the Online Account Center or via the Mobile App7.

Is there a fee to get a Flare Account debit card?

In store, you’ll pay at $3.00 processing fee to open an account.

You can choose from 1 of 7 fun card designs to get started! You can also choose to upgrade your card to an awesome custom or premium design6 for a $4.95 fee. For more details about rates and fees for the Flare Account, see the Rates page.

(Video) How to Create Ace Flare Approved Account in Easy Step with Full Guide Hindi & Urdu

How do I set up Direct Deposit for my Flare Account?

Grab your Routing Number and Account Number for your Flare Account in the Online Account Center. You can also textDIRECT to 22622 get your Routing and Account information via Anytime AlertsTM.7Provide this information to your employer or benefits provider to enroll in direct deposit. You can use your Routing Number and Account Number to enroll in direct deposit on your tax refunds, too!

How do I earn Payback RewardsSM8 ?

Payback Rewards is activated with your new account!8Visit your Rewards page when you log in through the Online Account Centeror via the Mobile App7to see your offers. Click to activate offers you want, and then use your card at those retailers to redeem your offers. Your rewards will be credited to your Account at the end of the following month.

Is there a Flare Account app?7

How do I send money with the Flare Account?

Every account is associated with a FlashPay ID. You can quickly send money to almost anyone if they also have a FlashPay ID9from the app.7When you send money, we notify the recipient that money is waiting for them. You can choose 1 of 3 ways to send money:

1. Online

Visit the Online Account Center to get started. Select the “Move Money” dropdown on the navigation page, then click “Move Money.” Select your recipient from your contacts and enter the amount to send. Click “Continue” and then verify the information. The money will be sent once you verify the information is correct.

2. Mobile App7

In the ACE Flare Mobile App7, open the navigation tray on the left-hand side. Select the “Move Money” dropdown and then select “Send Money.” Select the recipient from your contacts and enter the amount to send, as well as an optional note. Click “Continue” and then verify the information. The money will be sent once you verify the information is correct.

3. Customer Service

You can also contact Customer Service at 1-866-753-6355. A transfer can be initiated by phone for a $4.95 fee.

What is FlashPay ID?

Every Flare Account has a FlashPay ID. It’s simply a number that you can safely share with other people so that they can send money to you!9

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How much does it cost to send money from my Flare Account to another Flare Account holder?

There are no fees associated with sending money online to an existing Flare Accountholder.9You can also send money to ACE Elite®Visa® Prepaid Debit Card holders using FlashPayID! If you need to contact a customer service agent to have them send money for you, the fee will be $4.95. Check your fee plan for more details.

My direct deposit hasn’t posted. When will I get my money?

We’re sorry to hear your direct deposit hasn’t yet gone through. You can contact Customer Service for assistance: 1-866-753-6355.

When will my direct deposit begin?

Once you have given your account information to your payor, it may take up to two payment cycles for direct deposit to start. Please check with your payor to find out the specific timing of your payments. Please ensure your Flare Account is activated and in good standing, and the deposit is in the name of the accountholder.

How do I deposit my tax refund into my Flare Account?

Bring your Routing Number and Account Number to your tax preparer, or if you’re filing your own taxes, add your numbers in the designated sections. When you have your tax refund direct deposited to your Flare Account, you don’t have to wait for a paper check. That means you’ll get your refund faster.10

How do I open an Optional Savings Account?4

If you have a Flare Account, you can open an Optional Savings Account4 by making a direct deposit of at least $500 within one calendar month. There’s no minimum balance required to open a Savings Account.4You’ll earn up to 6.00% Annual Percentage Yield on your Average Daily Balance up to $2,000. Then, for the dollar amount over $2,000, you will earn 0.50% APY.4

Can I pay bills with my account?

Yes! Use your Flare Account debit card the way you would a regular debit card. Pay rent, car payments, cable, internet, phone, and other bills with your new Flare Account debit card. You can set up online bill pay through your service provider.

Does the Flare Account support any charities?

Yes! Our Charity Debit Cards11 give you the chance to support to the cause that matters most to you. Choose a debit card that supports National Breast Cancer Foundation (NBCF), The Humane Society of the United States, Homes For Our Troops, or Save the Children.

What do I do if I suspect my Account has been compromised?

The security of your Account is important to us. If you ever notice something that doesn’t seem right, please call 1-866-753-6355 as soon as possible so we can look into the issue.

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If I already have my check, where can I go to transfer it into my Flare Account?

You can add check funds to your Account using Mobile Check Capture12 on your ACE Flare® app, or visit an ACE Cash Express location to add13 funds.

Is there a monthly fee with the Flare Account?

The standard monthly service fee for the Flare Account is $9.95. If you have qualifying direct deposits totaling at least $500.00 in one calendar month, the monthly fee is lowered to $5.00.14

What is Annual Percentage Yield, exactly?

APY or Annual Percentage Yield is the total amount of interest paid on an Account, based on the interest rate and the frequency of compounding for a 365-day period (366-day period in a leap year), and is expressed as a percentage.

What is a Flare Account Virtual Card?15

The Flare Account Virtual Card15offers an additional level of protection when you make online purchases. When you use this feature, a temporary card number will be generated that you can use to make a purchase online. The card number expires in 24 hours. Your purchase goes through as normal, but the card number tied to your Account stays hidden from digital thieves and fraudsters.

Help! I can’t reach Customer Service.

Thank you for your patience. Flare Account Customer Service is currently experiencing extended wait times from increased call and email volumes related to the second round of stimulus payments. We encourage you to check out the self-servicing options that are available within the Flare Account mobile app.7

Why haven’t I received my stimulus money to my Flare Account yet?

We don’t have information about when economic impact payment direct deposits will arrive, but Flare Account direct deposits will be posted soon after they’re received. Make sure you’re enrolled in Anytime AlertsTM 7 to get a notification when a deposit is posted to your account and visit the IRS website for all official updates: https://www.irs.gov/coronavirus/economic-impact-payments.

I have the wrong banking information on file for the second stimulus payment. What can I do?

According to the IRS website, the Get My Payment tool doesn’t allow people to change their direct deposit bank account information that is already on file. This is to protect against fraud. Please visit the IRS website for the full details: https://www.irs.gov/coronavirus/economic-impact-payment-information-center.

Why have some people received their economic impact payment direct deposit, but I haven’t?

Some economic impact payments for Flare Account customers have been received through direct deposit and are being processing as normal. However, we don’t have information about your eligibility or when your payment will arrive. Please visit www.irs.gov/coronavirus/economic-impact-payments to get your payment details.

FAQs

How do I withdraw money from my flare account? ›

How do I withdraw cash? For a $2.50 fee, you can withdraw at an ATM, just like a regular bank debit card. If you withdraw at a participating ACE Cash Express location, you can skip the fees and withdraw up to $400 a day, when you have qualifying Direct Deposit activity.

How much can I withdraw from my ace flare account? ›

Now you have access to that money with your debit card. Need cash from your account? Just visit any ACE store and withdraw what you need. We offer daily withdrawals of up to $400 with no fees.

Why is my flare account locked? ›

If you have tried to log into Flare with incorrect login details in quick succession, your account may become temporarily locked. The Forgot Password tool may also become temporarily inactive when used too many times in a short period of time.

How do I transfer money from my ace flare account? ›

You can transfer funds from your ACE Flare account to your NetSpend account using the FlashPay ID. The transfer can be made online or via the mobile app by selecting "Move Money" from the menu. You can also transfer money by calling customer service at (866) 753-6355. You will be charged a $4.95 fee.

How do I transfer money from MetaBank to my bank account? ›

Just provide the sender with MetaBank's routing number, your account number and your account name, and let the bank handle the rest. Time Savings – Through Business Online Banking, you can initiate a wire from you own office, eliminating travel to your bank.

How much can you overdraft with MetaBank? ›

Under our standard overdraft practices: • We will charge you a $20.00 Overdraft Fee each time we pay an overdraft if you overdraw your Account by more than $10.00.

How much can I deposit in my ace flare account? ›

Daily spending can be up to $5,000, higher than the typical prepaid card. The daily cash load limit is $7,500, also higher than most other prepaid cards.

How does a flare account work? ›

ACE Flare™ Account by MetaBank® is a prepaid debit card, but it's similar to a checking account. Meaning, you deposit the money you want to be able to use right onto the card. And since it's a regular debit card, you can use it like one. You can make purchases anywhere that accepts Visa.

Who owns Ace flare? ›

The ACE FlareTM Account is established by MetaBank®, Member FDIC. Netspend, a TSYS® Company, is a service provider to MetaBank. Certain products and services may be licensed under U.S. Patent Nos. 6,000,608 and 6,189,787.

How do I speak to a live person at MetaBank? ›

Call us at 866.550. 6382. Email us: CustomerService@metabank.com.

How do you unlock your Netspend account? ›

A Netspend account will become locked if you give the wrong PIN three times, if the card has expired, or the card has been reported as lost or stolen. The fastest way to get your Netspend account unlocked is to contact their customer service via phone (1-866-387-7363) or email (customerservice@netspend.com).

How do I find my MetaBank account number? ›

Look at a paper check associated with your MetaBank account to find the routing and account numbers for your account. Other ways to confirm the correct MetaBank routing number include: Call your bank. Your local MetaBank branch or toll-free support line can provide you with routing numbers.

What is the overdraft limit for ace flare account? ›

How much can you overdraft on the Ace Flare account? There's no dollar limit on overdrafts. You pay $20 for each overdraft over $10, up to five monthly overdrafts. You must pay your negative balance back in full within 30 days or your account may close.

How do I check my MetaBank balance? ›

There are three ways you can keep track of your balance: visit www.mygift.giftcardmall.com, or call 1 (888) 524-1283 to make automated balance inquiries 24/7, or track your balance as you spend.

How do I check my ace flare account balance? ›

You can check your Ace Elite card balance using the mobile app, available for both iPhone and Android. Additionally, you can track your account by signing up for the "Anytime Alerts" service which is free of charge. The service allows you to receive your balance and transaction alerts by text or email.

How long does MetaBank take to deposit? ›

Your funds will be deposited into your debit card in thirty minutes, or bank account within 2-3 business days.

What banks are associated with MetaBank? ›

Where are my funds held?
  • Barrington Bank & Trust Company, N.A. (Barrington, IL)
  • Envision Bank (Randolph, MA)
  • Forbright Bank, f/k/a Congressional Bank (Potomac, MD)
  • Lake Forest Bank & Trust Company, N.A. (Lake Forest, IL)
  • Libertyville Bank & Trust Company, N.A. (Libertyville, IL)
  • MetaBank N.A. (Sioux Falls, SD)

What debit cards are associated with MetaBank? ›

Cardholder Agreements and Fee Information:
Program NameLong Form IDIssuing Bank
Netspend Prepaid Visa Card730301418MetaBank®
Netspend Prepaid Visa Card730304319MetaBank®
Netspend Prepaid Visa Card730304418MetaBank®
Netspend SiempreTax+ Visa Prepaid Card750306418Republic Bank & Trust Company
95 more rows

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