DeluxeCard Prepaid Visa Card Frequently Asked Questions
What is a DeluxeCard Prepaid Visa Card?
The DeluxeCard Prepaid Visa Card is a smart and cost-effective alternative to carrying cash and paying check cashing fees. Because it is a pre-funded card, you only spend what money you load on it and you can typically get it without a credit check or bank account. Simply purchase the DeluxeCard Prepaid Visa Card, load it with the cash amount you choose and enjoy the purchasing power of Visa. You can use it to make purchases and pay bills anywhere Visa debit cards are accepted, including in stores, online or over the phone.
How do I get a DeluxeCard Prepaid Visa Card?
It's easy to get a DeluxeCard Prepaid Visa Card - buy one from participating bank branches near you.
How does DeluxeCard Prepaid Visa Card work?
Because it is a prepaid card, spending is limited to the amount of money you load on the card. Plus, because it carries the Visa brand mark, you can use it anywhere Visa debit cards are accepted – in stores, online or over the phone. Each time you use your card, the purchase amount is automatically deducted from your card balance.
You can add money to your card at the branch location where you purchased the card or via a Green Dot® MoneyPak®, at MoneyGram® or at a Visa ReadyLink location. You may also add money to your card through the direct deposit of your wages, tax refunds, or other disbursements, such as social security, child support, welfare or other payments. For details about adding money to your card, please contact the provider that issued your card (via the toll-free number or web site information that came with your card or card materials).
Do I need to activate my DeluxeCard Prepaid Visa Card?
The instant issue card received at your bank branch is loaded and ready to go. The personalized card received in the mail needs to be activated. Follow the instructions on the sticker on the front side of the card to activate.
How do I get cash at an ATM with my DeluxeCard Prepaid Visa Card?
To get cash at the ATM, insert your card into the machine and enter your PIN. Select "checking" to make a withdrawal and enter the amount of cash you want to withdraw. Then take your cash, card, and receipt to keep track of your balance.
What should I do if my DeluxeCard Prepaid Visa Card is lost or stolen?
Report lost or stolen cards immediately by calling the toll-free number listed on the back of the card or in the card materials. We recommend making a note of this toll-free number 1-866-255-9831 and keeping it in a safe place in case both your card and the accompanying materials are lost or stolen.
Where can I use my DeluxeCard Prepaid Visa Card?
You can use your card online, over the phone and at the millions of places that accept Visa debit cards—including supermarkets, pharmacies, clothing stores, drug stores, and more. There are some guidelines for special transactions that you should be aware of before you shop - refer to the next two questions for more information.
Are there any special types of transactions I should know about before I shop?
There are special types of transactions that you should know about.
Gas Stations - Paying at the pump may cause a hold of up to $100; consider paying inside with the attendant for the exact amount and signing the receipt instead.
Restaurants - Restaurants may verify you have enough money on your card for the dining bill plus up to an additional 20%. Make sure you have enough funds to cover the added tip.
Hotels - Hotels may put a "hold" on the amount of your estimated bill, making that amount unavailable for other purchases. When you check out, that hold may take a few days to be removed.
Auto Rentals - You may use your card for final payment for a rental car bill, but a credit card may be necessary to reserve a rental car.
Returning Purchases - Store return policies may vary. You may receive a credit to your card, a cash refund or even a store credit, depending on the particular store. A credit to your account may take up to one week to process before it's available for use.
Paying Bills – Pay just about any one-time or recurring bill.
Is there a limit to the amount of money I can add to my DeluxeCard Prepaid Visa Card?
Customers will be able to place any whole dollar amount from $20 to $750 on instant issue prepaid cards purchased in-branch. A maximum of $5,000 may be loaded onto the personalized reloadable prepaid cards received via mail by the customer after the CIP verification is complete.
What should I do when I've spent the original amount I put on the card?
You can also add value to the card by using it for direct deposit of your wages, tax refunds, or other disbursements, such as social security, child support, welfare or other payments. You can add money to your card at the branch location where you purchased the card or via a Green Dot MoneyPak, at MoneyGram or at a Visa ReadyLink location. You may also add money to your card through the direct deposit of your wages, tax refunds, or other disbursements, such as social security, child support, welfare or other payments. For details about adding money to your card, please contact the provider that issued your card (via the toll-free number or web site information that came with your card or card materials).
Keep your card—even after the balance is depleted and you decide not to add additional money to it —in case you need to return any purchased items. You might be asked to present the card when returning items purchased with the card.
How do I make a purchase with my DeluxeCard Prepaid Visa Card?
Be sure to know your card balance before you shop as most merchants can not determine it for you. At the time of purchase, give the card to the cashier and ask to sign the purchase receipt. Or, swipe the card through the keypad and push the “credit” button, then sign the receipt. Each time you use your card, the purchase amount is automatically deducted from your card.
To get cash back when making a purchase, swipe your card and choose the "debit" button, then select the cash back amount you want from the screen options, enter your PIN, and take your cash and receipt to keep track of your balance.
How do I know the balance on my DeluxeCard Prepaid Visa Card?
You can check the card balance at your card provider's web site or by calling them directly. Keeping track of your balance is a sure way to know how much you have to spend.
What if I want to purchase an item that costs more than the balance on my DeluxeCard Prepaid Visa Card?
To make a purchase greater than the balance on your card, you will need to use a second payment method—cash, check, or credit card—to cover the difference. When making your purchase, you must tell the cashier in advance how much to deduct from your card and how much you will pay with the second payment method. However, not all merchants can handle these “split tender” transactions; and, if you try to purchase an item of greater value than your card balance, your card will be declined.
What should I do if my DeluxeCard Prepaid Visa Card is declined?
If a transaction is declined, the merchant will let you know. To help prevent this, keep track of your balance by visiting the web site or phone number provided with your card.
What if I change my mind and want to cancel a purchase?
If the merchant cancels a transaction at your request, it may take three to seven days for the authorization hold to be removed from your card. Contact your provider for specific details about authorization holds.
What if I need to return an item that I purchased with my DeluxeCard Prepaid Visa Card?
Present your reloadable Visa Prepaid Card at the time of a merchandise return. If the merchant’s return policy allows it, the merchant will credit the amount of the purchase back onto your card.
Remember to save your purchase receipts and your card even after the funds have been depleted, in case you have merchandise returns. When returning an item purchased online, have your card number available in order to process the return. The merchandise value will be credited back to your card within three to seven business days.
How long can I use my DeluxeCard Prepaid Visa Card?
You can make purchases using your reloadable Visa Prepaid Card until the expiration date shown on the card, or until the value of the card has been depleted. You can add money to your card at the branch location where you purchased the card or via a Green Dot MoneyPak, at MoneyGram or at a Visa ReadyLink location. You may also add money to your card through the direct deposit of your wages, tax refunds, or other disbursements, such as social security, child support, welfare or other payments. For details about adding money to your card, please contact the provider that issued your card (via the toll-free number or web site information that came with your card or card materials).
The reloadable Visa Prepaid Card is a smart and cost-effective alternative to carrying cash and paying check cashing fees. Because it is a prepaid card, you only spend what money you load on it and you can typically get it without a credit check or bank account. Simply purchase the reloadable Visa Prepaid Card, load it with the cash amount you choose and enjoy the purchasing power of Visa. You can use it to make purchases and pay bills anywhere Visa debit cards are accepted, including in stores, online or over the phone.
What if I don't agree with my available balance?
You can review posted transactions online for any discrepancies. If a problem exists, please keep in mind that your account may have pending authorizations that should be complete as soon as the merchant settles on the transaction. For instance, if you purchase gas and the merchant runs DeluxeCard Prepaid Visa Card for $55, this amount will be held for the merchant. If the total purchase comes to $30, the merchant will complete the transaction by collecting on the $30. The remaining $25 will be released back to your account.
What if one of the posted transactions on my account is not legitimate?
Please contact the merchant and verify that the purchase is not legitimate. If this is the case, request that the merchant reverse the transaction and credit your account with the funds.