Gift & Travel Cards

• Visit one of our locations to purchase and load a Visa prepaid card
  • $3.00 issuance fee
  • One-time use
  • $10 - $1,000 limit
• Activate your card online or by calling the toll-free number on the back of your card
• Follow the prompts to activate your card and create a PIN
• Sign the back of your card

• Control your spending
  • Manage your money without the worry of overdraft fees
• Worldwide acceptance
  • Make purchases anywhere a VISA debit card is accepted, including Hotels, Rental Car, Gas Pumps, Restaurants & ATMS, Online Purchases
• Equipped with EMV built-in chip technology, adding an enhanced level of security
• PIN Point of Sale merchant access through STAR
• ATM access through PLUS
  • Locate nearest PLUS ATM
• CO-OP Surcharge Free Network Participant
  • Locate nearest CO-OP ATM
    
• Multiple Use, Reloadable
• Safe & Convenient
• If lost or stolen, Visa’s Zero Liability coverage will apply
  • • Visa’s Zero Liability policy covers U.S.–issued cards only and does not apply to ATM transactions, PIN transactions not processed by Visa, or certain commercial card transactions. Cardholder must notify issuer promptly of any unauthorized use. Consult issuer for additional details or visit www.visa.com/security.
• FREE text & email messages
• FREE website
• Free Mobile App

• Limits

  • Min. load is $10 and the Max. is $1,000
  • Signature POS
    • Daily limit: $1,000
  • PIN POS
    • Daily limit: $1,000
  • Immediate funds availability
  Fees
  • Refund/Unload fee
    • $10.00
  • Replacement fee
    • $10.00
  • Inactivity
    • $5 Monthly fee after 12 consecutive months of non-usage
  Restrictions
  • All internet gambling transactions are restricted
  • Car Rentals, Hotels, Cruise Ships and Hotel affiliations (gift shops, restaurants, etc.)
    • Transaction amount plus a $999.00 hold
  • Gas Station/Pay at the pump
    • $75.00 preauthorization
  • Restaurants and bars
    • Additional 20% for gratuity preauthorization
  • Taxi Cabs & Limos
    • 20% Preauthorization
  • Beauty, Barber Shops, Health & Beauty Spas
    • 20% Preauthorization

• • Visit one of our locations to purchase and load a Visa prepaid card
    • $6.00 issuance fee
    • Unlimited reloads unless expired (2 year expiration date)
      • Reloadable at CCU for $4.00 or online
    • $100 - $5,000 limit
  • Activate your card online or by calling the toll-free number on the back of your card
  • Follow the prompts to activate your card and create a PIN
  • Sign the back of your card
  You are now ready to use your card!

• In person at your Credit Union – funds available immediately
• Credit or Debit Card – funds available immediately
  • Cardholder website
  • CUMONEY mobile app
  • VRU toll free number – see back of card
    
• Check Deposit via the CUMONEY Prepaid Mobile App – you select funds availability, immediately or normal check clearing timeframe
• In person with cash at any Visa ReadyLink location – funds available immediately
• Set-up recurring and scheduled reloads via cardholder website or mobile app
  • Low balance trigger
  • Schedule a one-time future load
  • Schedule recurring loads up to 6 months in advance
    

• Worldwide acceptance at any travel destination
  • Visa TravelMoney can be used to make purchases anywhere a VISA debit card is accepted, including Hotels, Rental Car, Gas Pumps, Restaurants & ATMS, Online Purchases
• Equipped with EMV built-in chip technology, adding an enhanced level of security
• PIN Point of Sale merchant access through STAR
• ATM access through PLUS
  • Locate nearest PLUS ATM
    
• CO-OP Surcharge Free Network Participant
  • Locate nearest CO-OP ATM
    
• Multiple card designs to express your personality
• Multiple Use, Reloadable
• Favorable foreign exchange rates
• Alternative to Travelers Cheques & Cash
• Safe & Convenient
• If lost or stolen, Visa’s Zero Liability coverage will apply
  • • Visa’s Zero Liability policy covers U.S.–issued cards only and does not apply to ATM transactions, PIN transactions not processed by Visa, or certain commercial card transactions. Cardholder must notify issuer promptly of any unauthorized use. Consult issuer for additional details or visit www.visa.com/security.
• FREE text & email messages
• FREE Travel and Emergency Assistance Services
• FREE Lost Luggage Insurance
• FREE website
• FREE Mobile App

Limits

• Min. load is $100 and the Max. is $5,000
• Signature POS
  • Daily limit: 25 transactions or $5,000 per day
• PIN POS
  • Daily limit: 25 transactions or $2,500 per day
• Cash Advance
  • Daily limit: 2 transactions or $1,000 per day
• ATM Withdrawals
  • Daily limit: 3 transactions or $500 per day
• Immediate funds availability

• Refund/Unload fee
  • $15.00
• Replacement fee
  • $5.00
• International Transactions
  • 2% of the transaction amount
• Reload
  • $4.00
• ATM Withdrawal
  • $1.50
• Inactivity
  • $5 Monthly fee after 10 consecutive months of non-usage