No. There are differences with all transactions as they are authorized and paid. Certain merchants swipe the card and request an authorization before the final purchase price is known. Cards used at automated fuel dispenser (pay at the pump) will automatically request and hold a minimum of $51 to be available. Restaurant purchases are increased at authorization an additional 20% to accommodate any tip added. In both cases, only the final amount authorized by the cardholder will be deducted.
Transaction amounts for all Visa authorizations will be held against the balance until the final settlement occurs. This is usually done within a 3-day time frame, but some merchants such as hotel, cruise lines, and car rentals may hold funds against the balance for up to 5 days, as well as hold any additional funds which may be added to the authorization amount.
Cardholders should never attempt a transaction unless they know the balance on the card and what the final purchase will be. Please see the Visa Prepaid Card Fee Summary for any other applicable fees.
Yes, please read the Visa Prepaid Card Fee Summary for all applicable fees.
Yes, you can make purchases on the Internet with your card, up to the total amount of available funds on the card.
Yes, wherever Visa is accepted. Cross-border transactions will be assessed a 1% currency conversion fee. Please see the Visa Prepaid Card Fee Summary for any other applicable fees.
No, but you can utilize the remaining balance on your card towards a purchase and pay the difference with another form of payment. Always check the balance of your card before making a purchase and check with the merchant to make sure they can split the payment if there are not enough funds on the card.
Yes, your card can be replaced, and the outstanding balance replaced by calling the toll–free number that is on the back of your card, and on your disclosure. Please see the Visa Prepaid Card Fee Summary for applicable fees.
Your available balance can be obtained by logging into the website www.cumoney.com and going to the Account Balance page. You may also call the toll-free number on the back of your card.
Yes, you can add funds to your Visa Prepaid Card in two ways:
- At your credit union. Visit your credit union to load funds onto your card.
- Online. Visit www.cumoney.com to load funds from a checking account, debit or credit card.
You can track your spending in two ways. You can log in to the website - www.cumoney.com or call the toll-free number on the back of your card.
You will need to activate your card prior to your first use of the card. Please call the toll-free number that comes with your card to access the automated service. Follow the prompts, including entering the last 4 digits of the telephone number that was provided upon purchase. The system will acknowledge that your card is now activated and ready for use.
Via the Internet, access www.cumoney.com and log in with your card number and PIN. The system will allow you to change your PIN. You can also change your PIN by calling the toll-free number on the back of your card.
Yes and no. Like a debit card, you can use the card at participating merchants that accept Visa debit cards. Also, you can spend only the funds available. However, unlike a debit card, a savings or checking account is not associated with the card.
No, your card is not a credit card. You can only spend the amount of funds that are available on the card.
No. The reloadable card is embossed with your name and will only be accepted at merchants by you.
Call the toll-free number on the back of your card at any time and follow the recorded instructions. You may also speak with a CUMoney customer service representative up to 4 times per month at no charge. Thereafter, a fee will be deducted from your card.
Your card can be used for purchases in most situations such as where Visa debit cards are accepted.
No, you will not be charged a fee for making a purchase.