The following are your Entrust Financial Credit Union Visa Gift Card Terms and Conditions. In these Terms and Conditions "you" or "your" means the person who has received the Entrust Financial CU Visa Gift Card; "we", "us" or "our" means Entrust Financial CU; "Card" means the Entrust Financial CU Visa Gift Card. Our "Business Days" are Monday through Friday; credit union holidays are not included. Please read the following carefully and keep them for your records.
We agree to maintain the Card for you and to perform according to this Agreement. By obtaining a Card from us, activating the card, and by using the Card or by permitting anyone else to use the Card, you agree to the provisions of this Agreement, which is subject to amendment, and further agree that this Agreement is binding on your successors, representatives and assigns. We may from time to time adopt new or amended provisions which will be effective after notice has been mailed to your at the last address or email address shown for the card on our records or has been posted on our Web site or as otherwise permitted by law. Provisions changed pursuant to regulatory authorities shall be effective per such regulation without further notice. You must be a resident of the U.S. to purchase this Card.
Before Using the Card
Write down your Card number and the Customer Service Number on a separate piece of paper in case the Card is ever lost or stolen.
Register the Card on the Gift Card Website, which can be accessed via Entrust Financial CU's website at www.entrustfcu.org. You must sign the back before you can use the Card.
Your Entrust Financial CU Gift Card is a Non Reloadable stored value card. It is neither a credit card or a NCUA insured deposit account. This card is issued by Entrust Financial Credit Union; pursuant to a license from Visa U.S.A., Inc. and may be used at merchants who accept VISA debit cards worldwide. You may use your Card after activation. The Card is non-transferable. You are responsible for all authorized transactions made with this Card. You may only use the Card when there is a balance available on the Card and only up to the amount left on the Card and any transaction fee due. Any transaction made that exceeds the available balance will be declined. Your Card is valid until the expiration date on your Card or until the funds on the Card have been exhausted, whichever comes first, except where prohibited by applicable law. The Card may not be used for recurring payments, non-financial money exchange establishments and gambling establishments
Using Your Card
When you use your Card at an automated gas station pump you will be required to have a minimum of $75 available on the Card to enable gas to be dispensed. It may take up to 24 hours before any unused amount is available to spend due to the way in which the transactions are processed.
If you use the Card to make a telephone call this can require a minimum credit of $50.
If you use the Card to purchase meals or drinks, many restaurants and bars factor a tip into the price of up to 20% when pre-authorizing Card purchases but you will only be debited with the actual amount you spent. Hotels and cruise liners operate a similar policy, usually 15%.
Should you use your Card to pre-authorize a hotel reservation any amount requested in a pre-authorization will not be available to you to spend using the Card, although you will only be debited with the actual amount you spend. If five days elapse without you authorizing an amount any pre-authorization will be canceled and this will be available to you.
Automobile rental businesses likewise add 15% to the rental to allow for any additional expenses and mail order companies often add a similar amount for potential shipping costs although the amount finally debited will be as the final bill.
If a merchant attempts an authorization greater than the balance remaining on your gift Card, it may be declined.
If a transaction initiated by you exceeds the remaining balance on the Card, you must tell the merchant before completing the transaction. Any transaction attempted for more than the amount available on the Card will be declined. Therefore, you must know the amount available on your Card and inform the merchant to process the transaction in that amount. You must pay the difference with another form of payment. If you are given value through the use of the Card greater than the balance remaining, you will pay us on demand the amount by which your transactions exceeded the balance remaining on the Card.
The maximum card value is $500.00. The minimum value that may be loaded onto the card is $20.00.
Gift Card Account Fees and Charges
- Card Fee: $3.95 per nonpersonalized card; $5.95 per personalized card
- Inactivity Fee: An inactivity fee of $5.00 per month will be charged after 12 months on non-usage.
- Lost/Stolen Card Replacement Fee: A $5.00 fee is assessed on the account when a card that is marked as lost/stolen is replaced.
Non U.S. Transactions
If a Card transaction is made in a currency other than that loaded on the Card, the amount will be converted into the appropriate currency at an exchange rate on the day the transaction is processed. The exchange rate used to determine the transaction amount in US dollars is either a rate selected from Visa from the range of rates available in wholesale currency markets for the applicable central processing date, which rate may vary from the rate Visa itself receives, or the government mandated rate in effect for the applicable central processing date.
Your Liability For A Lost or Stolen Card or Unauthorized Transactions
Contact us immediately at 866-902-6082 if you believe the Card has been lost or stolen, or that someone has accessed or may access money from the Card without your permission. You will not be liable for lost value on the Card if you satisfy the following conditions:
- You have immediately called us and reported the Card lost or stolen, which allows us to the status the Card.
- You have signed the Card on its reverse side in permanent ink.
- You inform us of the Card number and the approximate date of your last authorized use.
- Your have not reported two or more incidents of unauthorized use to us in the preceding 12-month period.
- You report all facts of the loss or theft to us and you cooperate in our investigation.
Our Liability for Failure to Make Transactions
We may restrict access to the Card, temporarily or permanently, if we notice suspicious activity in connection with the Card, and we will notify you if we do so. We have no liability for restricting access to the Card because of suspected suspicious activity. Access will be reinstated if we determine that there has been no unauthorized use of the Card.
If we do not complete a transfer from the Card on time or in the correct amount according to our Agreement with you (other than for restrictions because of suspicious activity), we will be liable for the correct amount of the transfer. However, there are some exceptions. We will not be liable, for instance:
- If through no fault of ours, a merchant refuses to honor the Card;
- If through no fault of ours, you do not have enough money available on the Card to make a purchase;
- If the terminal or system was not working properly;
- If the Card is expired, damaged, or revoked;
- If the Card has been reported lost or stolen;
- If the Credit Union has reason to believe there is something wrong, for example, that the Card has been stolen;
- If the transaction information supplied to the Credit Union by you or a third party is incorrect or untimely;
- If circumstances beyond our control (such as flood or fire) prevent a transaction, despite reasonable precautions that we have taken;
- The merchant authorizes an amount greater than the purchase amount.
There may be other applicable exceptions as otherwise provided by state or federal laws.
Error Resolution Procedures
In case of errors or questions about transactions arising from the use of your Card, call 866-902-6082 immediately. We must hear from you no later than 60 days after the transaction date. You must provide the following information: your name and Card number, a description of the suspected error, an explanation as to why you believe an error has occurred; and the dollar amount of the suspected error. If you tell us orally, we may require you to send your complaint or question in writing within 10 business days.
We will determine whether an error occurred within 10 business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45 days to investigate your complaint or question. If we decide to do this, we will credit your Card within 10 business days for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within 10 business days, we may not credit your Card.
For errors involving point-of-sale or foreign-initiated transactions, we may take up to 90 days to investigate your complaint or question.
We will tell you the results within three business days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of the documents that we used in our investigation.
Closure, Expiration and Revocation of Card
Your Card expires on the last day of the monthly displayed on the Card. At expiration, the Card will be closed.
The balance remaining on the Card may become unclaimed funds escheatable to the State, if, as shown by our records, you have not, within the applicable statutory period, requested refund of unused funds on your expired or canceled Card, corresponded with us concerning the Card, or transacted any business on the Card. If that occurs, the funds will escheat to the State in which your last know address was located according to the credit union's records or the State where the Card was purchased.
The Card is the property of Entrust Financial Credit Union and we may revoke the Card at any time without cause or notice. You agree to surrender a revoked Card promptly upon demand. Upon revocation, any stored value remaining on the Card will be refunded to you less any applicable fees.