The Prepaid 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 to make signature and PIN based purchases. You can also use it at any ATM where the network logo(s) on the back of your card are displayed.
Please refer to the card carrier for card activation instructions.
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.
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.
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.
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.
Yes. You may use your card to withdraw cash at participating ATMs. 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 the Schedule of Fees & Limits and any ATM surcharges added by the ATM owner.
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 & Limits that came with your card.
No. The Prepaid Gift Card is good only for the amount of funds originally loaded onto the card. No credit is extended on the account.
You may check your balance by calling the customer service number or visiting the 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.
No.
When making purchases at retail locations, tell the merchant to process your purchase as a "credit" transaction.
To make an online purchase, address verification is usually required. The Prepaid Gift Card may not have an address associated with it and therefore may be declined.
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.
Yes. For information with respect to FDIC insurance on your prepaid funds, visit http://prepaidcardholder.com/fd/fdic.html.
Please call the customer service number on the back of the card.