Frequently Asked Questions about the Gift Card

What is the Gift Card?

The Gift Card is a prepaid Visa card that carries a fixed cash amount determined by the giver at the time of purchase.  It can be given as a gift for any occasion and can be used both nationally and internationally at any Visa affiliated Debit merchant.  Each time the gift recipient uses the card, the purchase amount is deducted from the available balance.  Unlike any other store gift certificate or credit, this card will not limit customers' options.  The Visa Gift Card can be easily replaced in the event of loss or theft.

Is the Gift Card a credit card?

No.  Please see description above.

What is the sign-on fee?

There is no sign-on fee for any ABA member bank.

Where can customers buy a Gift Card?

The Gift Card is available as an instant issue card, so customers can purchase one from any participating ABA member bank.  Alternatively, Gift Cards can also be offered through the bank's Web site via the online program, "My Travel Wallet."

Where can the Gift Card be used?

The Gift Card can be used to make purchases everywhere Visa is accepted, at millions of Visa Debit merchant locations.

Is there a limit as to how much value the Gift Card can have?

Yes. The minimum value the Gift Card can have is US$25 and the maximum value is US$500.

When does the gift recipient receive the card?

The card is available as an instant issue Gift Card, so they can be purchased from any participating ABA member bank.  The purchaser will arrange to deliver it to the recipient.

Does the gift recipient need to sign an agreement?

Each card is distributed with a Cardholder Agreement & Disclosure.  This agreement fully explains the terms and conditions regarding the use of the card.  The gift recipient accepts the terms and conditions by either signing the back of the card, using the card, or receiving the card by request.

Will the gift recipient receive a statement?

Gift recipients can review their current balance online at no charge or by calling the toll free automated voice response line.

What happens if the customer needs to return an item?

Each merchant location has its own return policies and will handle the returns in the same manner as any other Visa transaction.  They may credit the Gift Card, provide a cash refund, or a store credit.

Does the Gift Card have an expiration date?

Yes.  The expiration date will be up to 18 months, as indicated on the front of the card.

Can the Gift Card be reloaded?

No, the card cannot be reloaded.

What happens if the Gift Card is lost or stolen?

The Gift is replaceable if lost or stolen.  The Gift Card recipient will be given toll-free numbers, which they should call immediately for assistance.

Questions? Please contact Jackie Lucas for more information.