Where can my gift card be used? 

     It can be used to make purchases everywhere VISA^® debit cards are accepted within the United States. 

Do I need to call in and activate my gift card? 

     Yes, call 1-866-244-5360 in order to activate and use your card at VISA^® merchants. You will also be provided a personal identification number (PIN) that you may choose for point of sale (POS) transactions. 

Do I need to retrieve a PIN with my gift card? 

     Yes, you should retrieve a PIN by calling 1-866-244-5360 to use for POS purchases only. 

Can I use my PIN number to get cash out of the ATM?

     No, the PIN cannot be used for ATM or Cash Advances. The PIN is for Merchant POS Purchases only. 

Should I select Debit or Credit at the Point of Sale? 

     Select credit for signature transactions and debit for POS transactions using your PIN. 

How do I check the balance on my gift card? 

     Call 1-866-244-5360. 

What if my purchase is denied? 

     The card's available balance is probably less than the purchase amount. Call 1-866-244-5360 for the remaining balance on the card and use another form of payment to pay the difference, subject to the policy of the merchant. 

How are merchandise returns handled?

     Each merchant location has its own return policies and will handle the returns in the same manner as any other Visa^® debit purchase. 

Can I get cash back from a merchant? 

     No, cash back is not an option on your Gift Card, unless required by State Law.

Is my gift card a credit card? 

     No. It is a prepaid Visa^® card that carries a fixed cash amount determined by the Gift Card purchaser. Each time you use the card, the purchase amount is deducted from the available balance. 

Can my gift card be reloaded? 

    No, the card cannot be reloaded. 

Does my gift card have an expiration date? 

     Yes. The expiration date is 7 years from the date of manufacture. The funds on this card will be available until spent or until the date shown on the front of the card which is at least 5 years from the date the value was loaded. 

What happens if there is a balance remaining after my gift card expires? 

     After the expiration date shown on the front of the card any remaining funds will no longer be available. 

Who should I call if I have any questions regarding my gift card? 

     Please call 1-866-244-5360 for any questions such as activation, balance inquiry, lost or damaged card, and more. 

Fees and Charges for Use of Card

    The following fees are charges not imposed by HRCU, but by our Card vendor, Harland Clarke Corp. 

• Inactivity Fee - $5.00 per month following 12 Months of inactivity on card
• Lost/Stolen Replacement Card Fee - $5.00

For more information on the Visa Gift Card, click here.