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Visa Reloadable Frequently Asked Questions (FAQs) - Student Relationship


How does our Student Prepaid Card work?

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 ATMs worldwide. Each time you make a purchase, the amount of that purchase is automatically deducted from the card. How do I know the balance on my Student Prepaid Card? You can check your balance by logging into the secured prepaid website at www.visionsfcu.org or by calling customer support at (866) 901-8090. 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.


How do I know the balance on my Student Prepaid Card?

You can check your balance by logging into the secured prepaid website at www.visionsfcu.org or by calling customer support at (866) 901-8090. From our secured homebanking, 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.


Where can my Student Prepaid Card be used?

Your card can be used to make purchases at millions of Visa debit locations worldwide and to obtain cash at any Visa Interlink ATM worldwide.


Are there transaction or reload limits?

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.

Who can order/use these cards?

Our Student 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 account holder. The address listed for the primary account holder must match the billing address for the debit/credit card used to purchase the Student Prepaid Card. Primary account holders can order multiple Student Prepaid cards for different children. When purchasing for a young person with no card experience, be sure to go over all of the materials that accompany the card.


Can I purchase a Student Prepaid Card as a Gift?

No, Student Prepaid Cards cannot be given as a gift. You purchase the Student Prepaid Card for your child's general purpose use.


How do I get a Student Prepaid Card?

You can order personalized Student Prepaid Cards directly from our secure website at www.visionsfcu.org. From our secured homebanking site, select the Student Prepaid option from the Services Menu and link to the Order a Card Now prepaid card site. From the Prepaid Card site, select the Order option and follow the online instructions.


Does the cardholder need to sign an agreement?

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.


How do I activate my Student Prepaid Card and obtain my PIN?

Personalized cards can be activated by logging onto the Student Prepaid site though our secure home banking 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.


What happens if I need 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 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.


What if the purchase is denied?

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 that a specific minimum balance be available on the card, which is determined by the issuer of the prepaid card, in order to complete the transaction. For example, the issuer may require that there is a minimum balance of $25 on the card in order to utilize the card at an automated fuel dispenser. Again, only the actual amount spent will ultimately be deducted from the card. Can I use the Student Prepaid card to make a purchase that is larger than the balance on the card? Yes, simply pay a portion of the purchase with the available balance on your prepaid card then request to pay the balance of the purchase with cash, check, or a credit/debit card.


Can I reload the Student Prepaid Card?

Yes, to reload using the funding credit or debit card registered during enrollment, cardholders can visit our secure website, call the number listed on the back of their card, or visit your local branch. 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. 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.


Why might my initial load or reload be declined?

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 applicable limits have been exceeded. First, verify your funding source information. If this does not resolve the issue, call the toll free number on the back of your card to discuss limits that may have been exceeded.


Can the card ever have a negative balance?

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 your card Terms and Conditions for complete details.


How do I find an ATM when I travel - especially overseas?

Visit the ATM locator found at this website or at www.visa.com for participating Visa ATMs both domestic and abroad.


What is the exchange rate when I get to another country?

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.


When I travel, are my receipts in U.S. dollars or the local 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.


What happens if my Student Prepaid Card is lost or stolen?

We provide 24-hour toll-free support. Immediately report any problems or a lost or stolen card by calling (866) 901-8090. 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.


What are the card purchase or card transaction fees?

Please review the complete Terms and Conditions document distributed with each card purchase.