It's a reloadable prepaid Visa debit card, which means you can spend up to the value placed on the card anywhere Visa debit cards are accepted. You can shop in stores, online, over the phone, and by mail order. You can get cash at Visa/PLUS ATMs worldwide. Each time you make a purchase, the amount of that purchase is automatically deducted from the card.
You can check your balance by logging into the secure website at www.visionsfcu.org or by calling customer support at 866-760-3156. From our secured homebanking website, select the Prepaid Debit option from the Services Menu and login to the Prepaid Card site. Since a merchant may not be able to tell how much money is on the card, keeping track of your balance is a sure way to know how much you have to spend.
Your card can be used to make purchases at millions of Visa debit locations worldwide and to obtain cash at any Visa Interlink, or Plus® ATM worldwide.
Purchase transactions are unlimited, up to the balance remaining on your card. However, for the protection of our cardholders, there are limits to the number and dollar amount of reloads, ATM withdrawals, and cash advances performed within a certain time period. To learn more about the current limits, please reference your Terms and Conditions.
Our Visa Prepaid Card can be purchased by anyone that has a valid Visions debit or credit card registered in his or her name. The individual purchasing the card is defined as the primary cardholder. The address listed for the primary cardholder must match the billing address for the debit/credit card used to purchase the Prepaid Card. Personalized primary cardholders can order online up to four (4) personalized secondary cards for family members or companions. When purchasing a secondary card for a young person with no card experience, be sure to go over all of the materials that accompany the card.
No, Visa Prepaid Cards cannot be given as a gift. You purchase the Visa Prepaid Card for your own personal use.
You can order personalized Prepaid Cards directly from our secure website at www.visionsfcu.org, or purchase non-personalized Prepaid Cards at your local branch. From our secured homebanking site, select the Prepaid Debit option from the Services Menu and link to the Order a Card Now prepaid card site. From the Prepaid Card site, select the Order a Card option and follow the online instructions.
Each card is distributed with Terms & Conditions. This document fully explains the terms and conditions regarding the use of the card. This document can also be viewed online. The cardholder accepts the terms and conditions by signing the back of the card, using the card, or receiving the card by request.
Non-personalized cards are activated within 24 hours of purchase. Personalized cards can be activated by logging onto the Prepaid Debit site through our secure homebanking site at www.visionsfcu.org and clicking on the Activate Card button, or, by calling the customer support number listed on the back of your card. Over the phone, an assigned PIN will be automatically spoken after your card is activated and you'll be given the opportunity to select a new PIN if you choose.
Each merchant location has its own return policies and will handle the returns in the same manner as any other Visa transaction and may take up to 7 business days to be credited to your Prepaid Card. They may credit your Prepaid Card; provide a cash refund, or a store credit.
If a decline occurs, the card's available balance is probably less than the purchase amount. You may inform the merchant of the remaining balance on the card and use another form of payment to pay the difference, subject to the policy of the merchant. Also, please be aware that some merchants - for example, restaurants, car rental agencies, salons, mail-order companies, and cruise lines - preauthorize for an amount slightly higher than your actual transaction to ensure sufficient funds for tips or incidental expenses. This amount is "held" until the transaction settles to your Prepaid Card. Only the amount you sign for will ultimately be deducted from your card. Use of the card at automated fuel dispensers requires a minimum balance of $50. Again, only the actual amount spent will ultimately be deducted from the card.
Yes, the card can be loaded up to 4 times for Non-personalized and unlimited times for Personalized. Online, through our secure website at www.visionsfcu.org, cards can only be reloaded using a Visions Federal Credit Union Visa credit or debit card. In-person, reloads can be funded using a Visions Federal Credit Union Visa credit/debit card or cash. You can also add value by calling 866-760-3156 to initiate a funds transfer from your designated funding source. Any applicable fee for reloading via the website or by phone will be charged to your funding source, along with the value being added to your card.
If you choose, a new Personalized Prepaid Card can be ordered from the website. You can continue to make purchases using your old card until the balance has been depleted.
Possible reasons your initial load or reload might be declined are: the name/address on file with the debit/credit card issuer does not match the primary cardholder profile on the Visa Prepaid Card website, the debit/credit card expiration date or 3 digit code listed on the website is incorrect, or the 4 load limit (non-personalized cards, only) or other applicable limits have been exceeded. First, verify your funding source information and the total number of reloads performed to date. If this does not resolve the issue, call the number on the back of your card to discuss other limits that may have been exceeded.
Any authorization request that is greater than the card's available balance will be declined. However, there can be times when a Visa merchant puts an item through without prior authorization. If an overdraft occurs, the cardholder will be required to either reload funds onto the card or make a payment to Cardholder Services to cover the negative amount. Please refer to your card Terms and Conditions for complete details.
Visit our website at www.visionsfcu.org or use the ATM locator found at www.visa.com for participating Visa ATMs both domestic and abroad.
The exchange rate is determined by the rate of exchange on the date of purchase. Using your Prepaid Card at an ATM can be less expensive than using a currency exchange to get foreign currency.
Your receipt will reflect the local currency. It is always good to plan ahead and have a general idea of what the local exchange rates are before you travel. This helps you to understand what goods and services are actually costing you.
We provide 24-hour toll-free support. Immediately report any problems or a lost or stolen card by calling 866-760-3156. A replacement card can be issued and any available balance transferred to a new card, less applicable fees that will be deducted from the card's available balance. Replacement cards are generally received in 7-10 business days. Emergency card replacement can also be requested with guaranteed delivery within the next business day, or sooner in some cases. See the Terms & Conditions for fees that apply to lost or stolen cards and emergency card replacement. As long as the lost or stolen card is reported immediately, you will not be responsible for any unauthorized merchant charges. If traveling internationally or far from home, a secondary card should be considered. That way, if the primary card is lost or stolen, the secondary card can immediately be used to access the funds without having to wait for a replacement card.
Please review the complete Terms and Conditions document distributed with each card purchase.