Prepaid Visa® Gift Card FAQ
How does the card work? The Prepaid Visa Gift Card works like a credit card, except that purchases are deducted from the card’s available balance rather than being made on credit. When the card balance reaches zero or the card expires (whichever comes first), the card may no longer be used.
Where can I use the card? You can use the card everywhere Visa debit cards are accepted. You can also use it at any ATM where the network logo(s) on the back of your card are displayed.
Do I need to activate my card? No. Your gift card is activated at the time of purchase. Please be aware of this if you are sending a card by mail.
Can I change my PIN? Yes. You can change your PIN by either calling the customer service number or visiting the website listed on the back of the card. If you lose your PIN, you will not be able to make cash withdrawals at ATMs or check your balance. You may, however, continue to use your card to make purchases.
What if my purchase amount is for more than the value on the card? If your total purchase is for more than the card’s value, tell the merchant to split the ticket. Place the card’s balance on one ticket and use another form of payment for the balance. Ex.: If you have a $50 gift card and wish to purchase something for $68, simply pay the $18 with another form of payment and the balance with your $50 gift card. The merchant does not know the balance of your card; therefore you must know the balance of your card in order to perform a split ticket transaction.
Why are holds being placed on my account? Balances reflect the amount of all transactions that have been processed. Some merchants (i.e., restaurants, hotels, etc.) impose temporary holds on their charges. This is particularly prevalent at restaurants that often send in an authorization request for not only the total ticket, but an estimated tip as well. Once actual charges have been authorized, these holds are removed and your balance and available funds will be updated accordingly. Cards may be declined if merchants add an anticipated tip to the authorization which brings the total over your available balance.
Can I use my card to buy gas? Yes. However, you may have to go inside to pay with your card. The card may be blocked at the pump or it may try to authorize more than the available balance on the card.
Can I use my card to withdraw cash? Yes. You may use your card to withdraw cash at an ATM. To withdraw cash from an ATM, enter your PIN and choose “Checking Withdrawal”. Be sure you have enough funds on the card to cover the issuer fee listed in your fee schedule and any ATM surcharges added by the ATM owner.
Can lost or stolen cards be replaced? Yes. If your card has been lost or stolen, and it can be verified that you are the original cardholder, we will replace your card less the fee listed in the schedule of fees that came with your card.
Is credit extended on the account? No. The Prepaid Visa Gift Card is good only for the amount of funds originally loaded onto the card. No credit is extended on the account.
How do I know how much money is on the card? You may check your balance by calling the customer service number or visiting the Visa Gift Card website listed on the back of your card. You will need your card account number and PIN to check your balance. You may NOT check your balance at the checkout, nor do store receipts print your available balance. Be sure you have available funds prior to making your purchase.
Are there any monthly fees associated with the card? After your card expires, there may be a monthly fee assessed, as indicated in your Schedule of Fees & Limits.
How do I use my card for making purchases at retail locations? When making purchases at retail locations, tell the merchant to process your purchase as a "credit" transaction.
Can I use my card for making purchases over the Internet? To make an online purchase, address verification is usually required. The Prepaid Visa Gift Card does not have an address associated with it and therefore may be declined.
Can I use my card more than once? Yes. You can use your card as often as you like, as long as there are available funds.
Does the card expire? Yes. The card expiration date is printed on the front of the card.
How do I reach a live customer service representative for assistance? Please call the customer service number on the back of the card.
