 Prepaid Card - Frequently Asked Questions
How does a Prepaid Card work?
How do I know the balance on my Prepaid card?
Where can my Prepaid Card be used?
Is there transaction or reload limits?
Who can order or use the card?
Can I purchase a Visa Prepaid Card as a gift?
How do I get a Prepaid Card?
Does the cardholder need to sign an agreement?
How do I activate my Prepaid Card and obtain my PIN?
What happens if I need to return an item?
What if the purchase is denied?
Can I reload the Prepaid Card?
What do I do if I have a Non-Personalized Prepaid Card and I've reached the
4-load limit?
Why might my initial load or reload be declined?
Can the card ever have a negative balance?
How do I find an ATM when I travel - especially overseas?
What is the exchange rate when I get to another country?
When I travel, are my receipts in U.S. dollars or the local currency?
What happens if my Visa Prepaid Card is lost or stolen?
What are the terms for my Visa Prepaid Card?
How does a Prepaid Card work? [back
to top]
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.
How do I know the balance on my Prepaid card? [back
to top]
You can check your balance 1) at this website, 2) by calling your local
branch, or 3) by calling customer support at 866-760-3156. 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 Prepaid Card be used? [back
to top]
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.
Is there transaction or reload limits? [back
to top]
Purchase transactions are limited to ten (10) per day or 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 or use the card? [back
to top]
Our Visa Prepaid Card can be purchased by anyone that has a valid AHCU 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 one
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. Non-personalized, instant issue
cards, can be purchased at your local branch using funds from your account.
Can I purchase a Visa Prepaid Card as a gift? [back
to top]
No, Visa Prepaid Cards cannot be given as a gift. You purchase the Visa
Prepaid Card for your own personal use.
How do I get a Prepaid Card? [back
to top]
You can order personalized Prepaid Cards directly at this site or purchase
non-personalized Prepaid Cards at your local branch.
Does the cardholder need to sign an agreement? [back
to top]
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
either signing the back of the card, using the card, or receiving the card by
request.
How do I activate my Prepaid Card and obtain my PIN? [back
to top]
Non-personalized cards are activated at the time of purchase. Personalized
cards can be activated by logging into this site (www.ahcu.org) and clicking on the Activate
Card button, or, by calling the customer support number listed on the back of
your card. On the web, choose Select PIN to choose your PIN. 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? [back
to top]
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? [back
to top]
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 $75.00. Again, only the actual amount
spent will ultimately be deducted from the card.
Can I reload the Prepaid Card? [back
to top]
Yes, the card can be loaded up to 4 times for Non-personalized and unlimited
times for Personalized. To reload using the credit or debit card registered
during enrollment, primary cardholders can visit the website, call the number
listed on the back of their card, or visit your local branch. 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.
What do I do if I have a Non-Personalized Prepaid Card and I've reached
the 4-load limit? [back
to top]
If you choose, a new Personalized Prepaid Card can be ordered from the
website, or by going into your local branch. You can continue to make purchases
using your old card until the balance has been depleted.
Why might my initial load or reload be declined? [back
to top]
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 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 toll free number on the back of your
card to discuss other limits that may have been exceeded.
Can the card ever have a negative balance? [back
to top]
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.
How do I find an ATM when I travel - especially overseas? [back
to top]
Visit our website or use the ATM locator found at
www.visa.com for participating
Visa ATMs both domestic and abroad.
What is the exchange rate when I get to another country? [back
to top]
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?
[back
to top]
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 Visa Prepaid Card is lost or stolen? [back
to top]
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.
|
