Safer than cash, and easy to use anywhere Visa debit cards are accepted. Just designate an amount and make a simple Gift Card purchase today. Ideal for holidays, birthdays, and weddings, use Gift Cards instead of cash or travelers checks on your next vacation.
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ICBA Offers Tips on popular Bank-Issued Gift Cards because consumers need to know the Facts.
Know the card's terms and conditions - they vary by institution and are generally listed on the card, the card jacket or a separate sheet accompanying the card
Some cards have an expiration date, which may appear on the card itself, on the card's sleeve or on the issuer's web site
Keep the card's account number and customer service number in a safe place. You will need this information if your card is lost or stolen
Sign the card in the space provided
Know your balance before using the card. Most issuers offer toll-free voice response systems to check your balance. Some banks allow you to check the balance by entering the card number on the bank's website
Funds are immediately deducted from the available card balance when you make a purchase
Most major retailers accept split payments - you can pay with the bank issued gift card and pay the balance of a purchase with another form of payment. But you have to tell the merchant the exact amount you want deducted from your bank-issued gift card
It's a good idea to keep gift cards after the card balance has been used. You will need to show the card if you make a return or an exchange
There may be fees for maintaining the account beyond a certain time period. Gift card inactivity fees are usually printed on the back of the card
Fisher National Bank, Member FDIC, Equal Housing Lender