Tinker Federal Credit Union


TFCU Home Branch

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Prepaid VISA® Gift Card FAQ

Frequently Asked Questions about the Non-Reloadable TFCU VISA® Gift Card

What is the Non-Reloadable VISA Gift Card?
Your Non-Reloadable TFCU VISA Gift Card is a prepaid Non-Reloadable VISA Debit Card with a specific dollar value. Your VISA Gift Card and its value are accepted at most places VISA Debit is accepted.

What do I do after I load my Gift Card?
After the load and upon receipt, please sign the back of the Card, then call 1-866-902-6082 to activate. Gift cards can also be activated on TFCU’s Visa Gift Card page and clicking on My Account.

How do I activate and register my VISA Gift Card and obtain my PIN?

To register and activate your Visa Gift Card online, visit TFCU’s Visa Gift Card page and click on My AccountRead and accept the Disclosure and Terms and Conditions to be directed to TFCU’s My Gift Card site. Under Log In, type in your Card Number and 3-Digit Code and click Log In. Go to Account Activities and select Register Card from the dropdown menu. After the Card is registered, select the Activate Card option. A Personal Identification Number (PIN) will be assigned once activation is confirmed. You may also call 1-866-902-6082 to activate your Card and obtain your PIN. You will have the option to select your own PIN if you choose. (PIN change is only available via phone.)

How do I access my VISA Gift Card account information?
To access your transaction history, call Cardholder Services at 1-866-902-6082, visit a full-service TFCU branch or write to Tinker Federal Credit Union Card Center, P.O. Box 45750, Tinker AFB, OK 73145-0750. Registered cardholders can view transaction information and register disputes online by visiting TFCU’s Visa Gift Card page and clicking on My Account. Read and accept the terms to be directed to TFCU’s My Gift Card site. Log in to your account and select Dispute Form from the dropdown menu. Complete the dispute form and mail or fax to Cardholder Services.

How can I use my Gift Card?
You can use your Non-Reloadable TFCU VISA Gift Card at most places VISA Debit is accepted. See Terms and Conditions for further information.

When I swipe my Card, the terminal asks me input my PIN. What is my PIN?
A four-digit Personal Identification Number (PIN) is issued to you when you activate your Gift Card.

What if the item I want to purchase exceeds the value of my Gift Card?
If the purchase amount exceeds the available card balance, then you must inform the merchant of the amount you want to pay with the Non-Reloadable VISA Gift Card, and that you will pay the difference in cash, check, credit or debit card. If the purchase amount exceeds the available balance of the Non-Reloadable VISA Gift Card, the transaction may not be approved.

What do I do if I need to return an item?
In the event you need to return an item you purchased with your Non-Reloadable VISA Gift Card, the merchant will handle the item in accordance with VISA guidelines. The merchant may credit your Card (put the funds back on the Card) thereby increasing your available funds.

What happens when the funds are spent?
When you have depleted all the funds on the Card and no returns are necessary, simply destroy and discard the Card.

What should I do if my Non-Reloadable VISA Gift Card is lost or stolen?
Contact Cardholder Services immediately at 1-866-902-6082. Additionally, read the Non-Reloadable TFCU VISA Gift Card Terms and Conditions for important VISA Gift Card information.

What happens when merchants request authorizations higher than the actual purchase amount?
Merchants such as restaurants, hotels, mail order companies, and automobile rental businesses may attempt to submit authorizations against the Card for an amount greater than the actual purchase amount. Your account will only be debited for the actual amount spent. However, if a merchant attempts an authorization greater than the balance remaining on your Gift Card, it may be declined.

What are the limits for Automated Fuel Dispensers?
Automated fuel dispensers will automatically preauthorize $74 (added on top of any merchant’s set preauthorization, which is usually $1). If you do not have the funds available on your Card, the transaction may be declined at the pump. Inside the gas station, however, the preauthorization is normally requested at the actual transaction amount.

What happens when my TFCU VISA Gift Card expires?
Your Card is valid through the last day of the month of the expiration date displayed on your Card. The funds are available for a minimum of 5 years from the load/purchase date, or until the entire prepaid value associated with the Card has been depleted, whichever comes first. If you do not deplete the balance by the expiration date of the Card and it has not been 5 years from the load/purchase date, a replacement card may be issued. (See Liability For Unauthorized Use – Lost or Stolen Cards section of the Prepaid VISA Gift Card Terms and Conditions for contact information to request a replacement card. We encourage you to use the entire amount before the funds expire. If you do not request a refund of the remaining balance before the funds expire, the Card will be closed and any unused balance will be returned to the appropriate governing body under applicable escheatment laws.

Can I obtain a report detailing the transactions on my Card?
A transaction activity report, which includes your balance and details the use of your Card, is available by calling Cardholder Services at 1-866-902-6082 or writing to Tinker Federal Credit Union Card Services, PO Box 45750, Tinker AFB, OK 73145. Registered cardholders can view transaction history online by visiting TFCU’s Visa Gift Card page and clicking on My Account. Read and accept the terms to be directed to TFCU’s Gift Card site. You may obtain transaction information at local TFCU branch locations. The transaction activity report must be requested by the Cardholder. The information is available to you 24 hours a day, 7 days a week. Your TFCU Non-Reloadable Gift Card account number and some of the information requested when you ordered the Card are required for authentication.

What do I do if I find errors or have questions pertaining to the use of my Card?

In case of errors or questions about transactions arising from the use of your Card, or if any records you review show transactions that you did not make, call Cardholder Services at 1-866-902-6082, write to Tinker Federal Credit Union Card Services, PO Box 45750, Tinker AFB, OK 73145 or visit a full-service TFCU branch immediately. Claims can be filed online by visiting TFCU’s Visa Gift Card page and clicking on My Account. Read and accept the terms to be directed to TFCU’s Gift Card site. Once you have accessed your account, go to Account Activities and select dispute form from the dropdown menu. Dispute and/or fraud claims must be received at Cardholder Services no later than 60 days after the transaction appeared on the transaction activity report. We may, at our discretion, extend the period for a reasonable time. In order to help you with your questions, we will need the following information:

  • Your name, address, phone number, Card Verification Value (3 digit number by the signature panel on the back of the Card), and Card number.
  • A description of the error or transaction you are unsure about and why you believe there is an error or why you need more information.
  • The dollar amount and date of the suspected error.

Once the type of error is identified, we will mail you the appropriate paperwork to complete. Upon receipt of the completed paperwork, we will send you a confirmation letter and begin the investigation. We will determine whether an error occurred within 10 business days. TFCU business days are Monday thru Friday, and excludes holidays. 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 account within 10 business days and send you a letter.

We will notify you of the results within 3 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 we used in our investigation by calling Cardholder Services at 1-866-902-6082.

What is a Foreign Exchange Processing Fee?
If any Card transaction is made in a currency other than US dollars, 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 by VISA from the range of rates available in wholesale currency markets for the applicable central processing date (which may vary from the rate VISA itself receives), or the government mandated rate in effect for the applicable central processing date. In addition, a one percent (1%) International Service Assessment (ISA) fee will be charged.

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