VISA® Gift Card FAQs

How does a Visa Gift Card work?
It’s a prepaid Visa® card that can be purchased at Justice FCU branches or by calling 800.550.5328 in any whole dollar amount you choose from $20 to $500. It can be used at most places Visa® debit cards are accepted. Because it’s a prepaid card, spending is limited to the amount of money on the card. When the recipient makes a purchase with the Gift Card, the purchase amount is deducted from the card balance.

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

To activate and register your Gift Card please visit You may also activate the Card by calling 866.902.6082. A PIN will automatically be assigned upon activation.

Can I check the balance on my Gift Card?
You can quickly check your balance and transaction history 24/7 by calling 866.902.6082 and using the automated phone system (there is a charge for speaking with a live agent) or by visiting You’ll need to furnish the account number found on the front of your card. A merchant can't tell you how much money remains on the card. Knowing your balance before use will help ensure your card is accepted.

Is the Gift Card a credit card?
No, it’s a prepaid card. While a prepaid card looks similar to a credit card, Gift Card recipients don’t have a line of credit. They can only spend up to the balance on the card.

What should I do if my Gift Card is lost or stolen?
We recommend you write your Gift Card account number on a separate piece of paper as soon as you receive it and keep in a safe place. If your card is lost or stolen, call 866.902.6082 or stop in to any of our branches. You’ll need to provide the account number to cancel the Gift Card. We can then replace the Gift Card with the remaining balance, minus a $10.00 replacement fee.
Non-Members: Please visit a Justice FCU branch to present identification as the purchaser so assistance may be provided.

Is there a charge for a Gift Card?
There is a nominal charge of $3.95 per card.

What if the item I want to purchase costs more than the value on my Gift Card?
If the purchase amount exceeds the available balance of the Gift Card, the transaction won’t be approved. When you present your Gift Card as payment, simply inform the cashier of the value of your card and that you’ll pay the difference in cash, check, credit or debit card.

Can I add additional value to the Gift Card?
No, the Gift Card isn’t reloadable. Once the balance is spent, the card should be cut up and thrown away.

What should I do when the terminal asks me to press ‘debit’ or ‘credit’?
You have the option to press the “credit” or “debit button. The credit transaction will require you to sign a sales receipt to authorize the purchase and the debit transaction will require you to enter your PIN to authorize the purchase.

What if I need to return an item?
In the event you need to return an item you purchased with your Gift Card, the merchant will handle the item in accordance with Visa® guidelines. The merchant may credit the amount of the purchase back onto your Gift Card.

Can I use a Gift Card at an ATM?
No, a Gift Card cannot be used at an ATM.

What should I do if there has been a transaction error on my Gift Card?

If you believe there’s an error, such as a purchase that you don’t recognize, simply call 886.902.6082 any time.

Can I use my card for recurring transactions?
No, the Gift Card can’t be used for automatic recurring transactions or cash advances (including ATM withdrawals) and at non-financial money exchange establishments or gambling establishments.

Can I stop payment on a purchase I made with the card?

No, it isn’t possible to stop payment on a purchase that is made after the card has been presented for payment.

What happens when the funds are spent?

When you’ve used all the funds on the Gift Card and no returns are necessary, simply cut it up and throw away the card