Visa gift card terms and conditions

These are your Credit Union of Georgia Visa Gift Card Terms and Conditions. In these Terms and Conditions "you" or "your" means the person who has received the Credit Union of Georgia Visa Gift Card; "we", "us" or "our" means Credit Union of Georgia ; "Card" means the Credit Union of Georgia Visa Gift Card. Please read the following carefully and keep them for your records. Upon receipt, the Gift Card should be signed immediately. By accepting and using your Card, you are agreeing to these Terms and Conditions.

There is a $6.00 loading fee for the Credit Union of Georgia Visa Gift Card.

Gift Card Usage

Your Credit Union of Georgia Visa Gift Card is issued by Credit Union of Georgia and may be used for purchases at most merchants where Visa Debit is accepted. The card may not be used at some merchants including hotels, gambling establishments, rental car agencies or "pay at the pump" gasoline. (You may purchase gas by presenting the card to the attendant). Some merchants, like restaurants, may attempt to submit authorizations against the card for an amount greater than the actual purchase amount. If a merchant attempts an authorization greater than the balance remaining on your gift card, it may be declined.

Before using your Credit Union of Georgia Visa Gift Card, you must activate it by calling the number on the sticker on your card from your home phone number or by registering the card on the Gift Card Website. You must sign the back before you can use the Card.

This Gift Card is not a credit card. You may only use it when there is a balance remaining on the card and only up to the amount left on the card. Purchases will be deducted from your Credit Union Visa Gift Card until the value reaches zero. 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 Credit Union of Georgia Gift Card is non-reloadable and cannot be reused. The card will expire 24 months after issuance.

There will be a $3.00 monthly maintenance fee for each month there is a balance remaining on the Card. This fee is waived for the first twelve months after the card issue date.

There is a $5.00 replacement fee if the gift card is lost or stolen.

There will be a $2.00 fee assessed for cash advances. Daily Teller and ATM Limit is $100.00.

If you use your gift card for a transaction in a foreign currency the transaction will be converted to U.S. dollars in accordance with applicable Visa operating regulations for international transactions. Currently, those regulations provide that the exchange rate will be either a government-mandated rate or the wholesale market rate in effect one day prior to the transaction processing date, increased by one percent (1%). We do not control the rate, date or place of exchange and the conversion rate used may be a rate in effect on a date later than the transaction date.