Visa® Gift Card

Helpful Visa® Gift Card tips for you!

Register your card online immediately at and check your balances, review transaction history, shop online, and more!

When using your Visa® Gift Card make sure that YOU or the MERCHANT always selects the “CREDIT” option. Some merchants have a Gift Card option on their signature/PIN pads. You still must choose the “CREDIT” option.

KFCU Gift CardWhen you have a small amount left on your Visa® Gift Card and it is declined, you may have to have the merchant manually input the amount from the card. For example, you are at Einstein’s Bagels and you have $3.83 left on you Visa® Gift Card and the bill is $7.00 (and your card is declined) the merchant would have to manually input the amount ($3.83) and you can then pay the difference with other means. 

Remember, some merchants have the capability to run the Visa® Gift Card no matter what the amount is and it will deduct to zero.

In addition to the total bill, there are certain dollar percentages that must be available on the card if the card is going to be used for the following services:

Restaurants 5%
Beauty/Barber shops 10%
Car rental 10%
Cruise lines 10%
Health/Beauty spas 10%
Hotels 10%
Mail order items 10%
Special Telecom 15%
Taxis/Limousines 15%
Automated fuel dispenser (Pay-at-pump gas purchases) $50

Kirtland FCU Gift Card Terms & Conditions

"Agreement" means these Visa® Prepaid Gift Card Terms and Conditions. "We", "us", and "our" refer to Kirtland Federal Credit Union. "You" and "your" refer to the person who has obtained a Card from us. "Card" means the primary Visa® Non Reloadable Prepaid Gift Card and any secondary Non Reloadable Cards obtained from us. Our "Business Days" are Monday through Friday; bank holidays are not included.

Agreement; Amendments

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 you 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. Please read the full Terms and Conditions of use at as they set out the Agreement between you and us. These Terms and Conditions may change as required by law. You will be deemed to have accepted the Full Card terms of this Agreement if you do any of the following: (a) use the Card or (b) activate the Card. Please sign the back of your Prepaid Gift Card immediately upon receipt.

Using Your Card

The Visa® Prepaid Gift Card is a Non Reloadable stored-value card. It is neither a credit card, nor a NCUA insured deposit account. This card is issued by Kirtland Federal Credit Union; pursuant to a license from Visa® U.S.A, Inc. Your Card may be used at merchants who accept Visa® debit cards worldwide. You will be required, for validation purposes, to provide personal information. You may use your Card after activation. The Card is non-transferable. You are responsible for all authorized transactions made with this additional 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.

Gift Card Account Fees and Charges

  • Card Load Fee: $4.95 if a member purchased and ordered from a local branch
  • Account Maintenance Fee: You will be charged a fee of $2.50 each month, beginning on the 12th month on the Card, as long as there is a balance remaining on the Card.
  • Card Replacement Fee (L/S): A $4.95 fee is assessed on the account when a card that is marked as lost/stolen is replaced.

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

Records detailing the use of your Card are available by calling (866) 902-6082. In case of errors or questions about transactions arising from the use of your Card, of if any records you see show transactions that you did not make, call (866) 902-6082 immediately. We must hear from you no later than 60 days after the transaction appeared on the transaction activity report. If a good reason such as a hospital stay or long trip prevented you from telling us, 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, 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 of the suspect error.

Once the type of dispute is identified, we will mail you the appropriate paperwork to complete. No other action will be taken until the completed paperwork is received at the address specified in the documentation. 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 60 days. If we need more time, however, we may take up to 30 additional days to investigate your complaint or question. If we decide to do this, we will send you a letter. Credit will be given only after it has been determined that it is warranted.

We will tell you the results 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.

Closure, Expiration, or Revocation of Card

You may close your Card and receive the remaining balance by contacting (866) 902-6082 or by visiting your local Kirtland Federal Credit Union branch. A fee will apply (see Fees and Charges).

Your Card expires on the last day of the monthly displayed on the Card. At expiration, the Card will be closed and any unused balance will be returned to the appropriate governing body under applicable escheatment laws.

The Card is the property of Kirtland Federal 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.

KFCU Gift Card

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