Get Paid up to 2 Days Faster¹ with Direct Deposit

Customers who get paid on a Friday could get their paycheck as fast as Wednesday with a Flare Account^®.²

Deposit Account opening subject to registration and ID verification.²

Want to Receive Your Money up to 2 Days Faster¹?

Open a Flare Account^® and sign up for optional Direct Deposit to get paid up to two days faster.¹ Getting paid faster¹ is just one of the reasons to consider opening a Flare Account. Now you can stop waiting in lines to cash paper checks.

Why Choose Direct Deposit with the Flare Account?

Having the option to get paid faster¹ is just one reason to enroll in Direct Deposit. With a Direct Deposit of $500 or more a month, you’ll also get access to our optional high yield savings account,³ lower monthly fees,⁴ and more.

When you sign up for a Flare Account^® and elect for optional Direct Deposit, we provide account and routing numbers. You can submit those numbers to your employer or the government to enroll in Direct Deposit.

For more help setting up Direct Deposit, visit an ACE Cash Express location!

Setting Up Direct Deposit Has Never Been Easier

You can set up Direct Deposit in just a few simple steps.⁵ In the Flare Account^® Mobile App or Online Account Center, select the “Move Money” tab, then tap “Direct Deposit Info”, and then “Connect Now” to set up, update, or switch your Direct Deposit to the Flare Account. All you need is your employer payroll portal username and password and a few minutes. Then you can look forward to receiving your paycheck up to 2 days faster!¹

Set Up Direct Deposit

Direct Deposit Your Tax Refund

Direct deposit your tax refund and get access to your refund faster⁶ than a paper check. It is the same electronic transfer system used to deposit almost all Social Security and Veterans Affairs benefits into millions of accounts. Direct deposit also avoids the possibility that your check could be lost or stolen or returned to the IRS as undeliverable.

Faster funding claim is based on a comparison of the Pathward^®, National Association, policy of making funds available upon receipt of payment instruction versus the typical banking practice of posting funds at settlement. Fraud prevention restrictions may delay availability of funds with or without notice. Early availability of funds requires payor’s support of direct deposit and is subject to the timing of payor’s payment instruction.
IMPORTANT INFORMATION FOR OPENING A NEW DEPOSIT ACCOUNT: To help the federal government fight the funding of terrorism and money laundering activities, the USA PATRIOT Act requires us to obtain, verify, and record information that identifies each person who opens an Account. WHAT THIS MEANS FOR YOU: When you open an Account, we will ask for your name, street address, date of birth, and government ID number. We may also ask to see a copy of your driver’s license or other documents at any time. All Accounts are opened subject to our ability to verify your identity by requiring acceptable types of identification. We may validate the information you provide to us to ensure we have a reasonable belief of your identity. If we are not able to verify your identity to our satisfaction, we will not open your Account or we may close the Account if it was previously funded. Your Account is subject to fraud prevention restrictions at any time, with or without notice.
The optional Savings Account linked to your Flare Account is made available to Accountholders through Pathward, N.A., Member FDIC. To open a Savings Account, consent to receive communications from us in electronic form is required. Interest is calculated on the Average Daily Balance(s) of the Savings Account and is paid quarterly.

If the Average Daily Balance is $2,000.00 or less, the interest rate paid on the entire balance will be 5.87% with an annual percentage yield (APY) of 6.00%.

If the Average Daily Balance is more than $2,000.00, the interest rate paid on the portion of the Average Daily Balance which exceeds $2,000.00 will be 0.49% with an APY of 0.50%, and the interest paid on the portion of the Average Daily Balance which is $2,000.00 or less will be 5.87%. The APY for this tier will range from 6.00% to 0.60%, depending on the balance in the account.

The interest rates and APYs of each tier may change. The APYs were accurate as of 08/15/2024. No minimum balance to open Savings Account or obtain the yield(s). However, you must receive direct deposit(s) totaling at least $500 within one (1) calendar month to be eligible to open a Savings Account. Savings Account funds are withdrawn through the Flare Account and transaction fees could reduce the interest earned on the Savings Account. Funds on deposit are FDIC insured through Pathward, N.A. For purposes of FDIC coverage, all funds held on deposit by you at Pathward, N.A., will be aggregated up to the coverage limit, currently $250,000.00.
In order to lower your Monthly Fee from $9.95 to $5.00, you must receive direct deposit(s) totaling at least $500.00 to your Account during one (1) calendar month. Upon qualifying, your Monthly Fee will be automatically lowered.
Adding or changing your direct deposit through the Flare Account^® Mobile App or the Flare Account Online Account Center is a functionality provided by Atomic Financial through Atomic’s direct deposit switching service and is subject to their End User Terms & Conditions and Privacy Policy. Pathward^®, N.A., and Visa are not affiliated in any way with the program and neither endorses nor sponsors it.
Faster access claim is based on comparison of a disbursement via direct deposit vs. disbursement via a mailed paper check. For up-to-date information from the IRS, visit www.irs.gov/refunds.

Card can be used everywhere Visa^® debit cards are accepted.
The Flare Account^® is a demand deposit account established by Pathward^®, National Association, Member FDIC, and the Flare Account Debit Card is issued by Pathward, N.A., pursuant to a license from Visa U.S.A. Inc. Ouro Global, Inc. is a service provider to Pathward, N.A.
© 2025 Ouro Global, Inc.

Back to Top of Page Icon