Visa TravelMoney and Visa Gift Card

Visa® TravelMoney Reloadable debit card

The Visa® TravelMoney Card is a prepaid reloadable card that carries a cash amount determined by the cardholder up to the maximum allowed card balance of $5,000. Each time the card is used, the purchase amount is deducted from the available balance. The Visa® TravelMoney Card can be purchased at any branch.

  • Convenient - accepted worldwide, easy access to currency and reloadable anywhere
  • Secure – emergency cash replacement, 24-hour customer assistance and fraud protection
  • Travel assistance – help when you’re on the road with medical & legal referrals, emergency trip arrangements and emergency messages to relatives

The Visa® TravelMoney Card can be purchased at any branch.

Visa® Gift Card

Make gift giving easy. White Sands Federal Credit Union Visa® Gift Cards fit every occasion - holidays, birthdays, weddings, graduations, and more.

  • Accepted most anywhere. Use the Visa® Gift Card wherever Visa® debit cards are welcomed.
  • Convenient. Once you activate the Gift Card, it can be used immediately. Your recipient can track the transaction history and card balance online.
  • Safer than cash. If a Visa® Gift Card is lost or stolen, the unspent amount can be replaced.

Purchase a Visa® Gift Card at any White Sands FCU branch or order online.

Visa Gift Card FAQ’s

Where can my Gift Card be used?
It can be used to make purchases everywhere Visa® debit cards are accepted.

Should I select debit or credit at the point of sale?
Select credit.

Here are some tips when using the card at:

  • Restaurants, Beauty Salons, Hotels, Car Rental Agencies — It is customary for service-orientated or travel companies to require an available balance over the purchase amount (usually 25%) to ensure sufficient funds for tips or incidental expenses.
  • Gas Stations — Paying at the pump using this card requires at least a minimum balance of $75.00. However, only the actual amount spent will be deducted from the card. If your Gift Card balance is less than $75.00, you can use the card inside the station as long as the purchase does not exceed the remaining balance.
  • On-line Merchants — In order to use this card for merchants who use address verification to authenticate purchases, you must register your card on-line at www.harlandclarkegiftcard.com. Login as a Returning Cardholder and follow the
    instructions to register your card. Your card may not be used at age restricted on-line merchant sites.

How do I check the balance on my Gift Card?

Go to www.harlandclarkegiftcard.com or call 1-866-244-5360.

Can I personalize the card?
Yes. The Gift Card can be personalized Gift but only when being ordered online.

Is there a limit as to how much value the Gift Card can have?
Yes. Personalized Gift Cards ordered online have a minimum value of $25.00 and a maximum value of $500.00. Cards purchased in a branch have a minimum value of $25.00 and a maximum value of $1000.00.

Why does a Gift Card purchased online over $399.00 need to be shipped to the purchaser?

It is a security measure in place to prevent potential Gift Card purchases with a fraudulent credit card or debit card.

What are the fees?

Your Gift Card will be charged:

  1. $5.00 inactivity fee, assessed on the first day of each month after 12 full months of
    inactivity.
  2. $5.00 cash out or lost stolen fee (new card issuance fee may also apply).
  3. $25.00 to terminate Card and receive funds via check. Please allow 6-8 weeks.

All fees are automatically deducted from your Card balance. If your Card balance is zero or becomes zero as a result of any fees, the Card will be terminated.

What if my purchase is denied?

The card’s available balance is probably less than the purchase amount. Call 1-866-244-5360 for the remaining balance on the card and use another form of payment to pay the difference, subject to the policy of the merchant.

How are merchandise returns handled?

Each merchant location has its own return policies and will handle the returns in the same manner as any other Visa debit purchase.

Can I get cash back from a merchant?

No, cash back is not an option on your Gift Card.

Is my Gift Card a credit card?

No. It is a prepaid Visa card that carries a fixed cash amount determined by the Gift Card purchaser. Each time you use the card, the purchase amount is deducted from the available balance.

Can my Gift Card be reloaded?

No, the card cannot be reloaded.

What happens if my Gift Card is lost or stolen?

You should immediately report any problems or a lost or stolen card by calling our 24-hour tollfree support line at 1-866-244-5360. A replacement card will be issued and any available balance will be transferred to the new card, less the $5.00 lost/stolen fee that will be deducted from your card’s available balance (a new card issuance fee may also apply).

Does my Gift Card have an expiration date?

Yes. The card and the funds expire on the date shown on the front of the card or when the balance is $0, whichever comes first. The cardholder may terminate the card and receive the funds via a check. Within six to eight weeks of a written request a check will be sent less a $25.00 fee.

What happens if there is a balance remaining after my Gift Card expires?

After the expiration date shown on the front of the card any remaining funds will no longer be available.

Can my Gift Card have a negative balance?

Any authorization request that is greater than the card's available balance will be declined. However, there can be times when a Visa merchant puts an item through without prior authorization. If an overdraft occurs, you will be required to make a payment to Cardholder Services to cover the negative amount.

Payments should be sent to:

Cardholder Services

P.O. Box 550160 • Fort Lauderdale, Florida 33355-0160

How are disputes handled?

Simply call our toll-free customer service number, 1-866-244-5360, and they will walk you through the process.

Visa® TravelMoney FAQs

Is the Visa® TravelMoney card a credit card?

No. The Visa® TravelMoney Card is a prepaid reloadable card that carries a cash amount determined by the cardholder up to the maximum allowed card balance. Each time the card is used, the purchase amount is deducted from the available balance.

 Where can I use my Visa® TravelMoney card?

It can be used to make purchases everywhere Visa® Debit is accepted and to obtain $300 cash per day at any Visa® or PLUS ATM worldwide. The Card(s) cannot be used for any type of cash advances.

 Why would I use my Visa® TravelMoney card instead of travelers checks?

Unlike traveler checks, the Visa® TravelMoney Card can be reloaded plus it can be used for ATM access to get cash in local currencies worldwide. Transactions are automatically tracked and can be reviewed online or by phone. The Visa® TravelMoney Card offers cardholder benefits such as Visa® Travel and Emergency Assistance, Visa® Purchase Security, Lost Luggage Reimbursement, emergency cash and card replacement, and Visa®’s Zero Liability protection.

 Is there a limit as to how much value the Visa® TravelMoney card can have?

Yes, the Visa® TravelMoney Card has a maximum value limit of $5,000.

 Are there any transaction and reload limits?

Purchase transactions are unlimited, up to the balance remaining on your card. However, for the protection of our cardholders, there are limits to the number and dollar amount of reloads and ATM withdrawals performed within a certain time period. Please call 866-466-8084 to learn more.

 Does the Visa® TravelMoney card cardholder need to sign an agreement?

Each card is distributed with a Cardholder Agreement & Disclosure. This agreement fully explains the terms and conditions regarding the use of the card. This agreement can also be viewed online. The cardholder accepts the terms and conditions by activating the card, signing the back of the card or using the card.

 How do I obtain and/or change my pin?

You can retrieve and/or change your PIN by calling the number listed on the back of your card.  You may also change your PIN by going to www.hctravelcard.com.

Can my Visa® TravelMoney card be reloaded?

Yes, you may reload your Visa® TravelMoney Card at a participating financial institution or at any merchant that displays the Visa® Ready Link logo. For a listing of Ready Link merchants please go to www.hctravelcard.com.

 How can I check the balance of my Visa® TravelMoney card?

Go to www.hctravelcard.com or call 866-466-8084.

 How are disputes handled?

You can fill out a dispute form at www.hctravelcard.com.

Do I select debit or credit at the point of sale?

You should select credit.

How are returns handled?

Each merchant location has its own return policies and will handle the returns in the same manner as any other Visa® debit purchase.

 Is there an expiration date on the Visa® TravelMoney card?

Yes, the card expires on the expiration date shown on the front of the card or once the card has a balance of $0 and has been inactive for 30 days.  Once the card expires a $10 monthly fee will be assessed until the balance is zero, or until the cardholder requests a new card.  The cardholder may terminate the card and receive the funds via a check or transfer funds to a bank account.  Within six to eight weeks of a written request a check will be sent less the $25.00 service fee or go to www.hctravelcard.com to transfer funds to a bank account less a $5.00 service fee.

 Can the Visa® TravelMoney card be reloaded?

Yes. Please refer to the Terms and Conditions for reload limitations.

Are there fees associated with this card?

Please refer to the Terms and Conditions.

Can I get cash back at a merchant?

Yes, subject to the rules of each individual merchant.

 What happens if my card is lost or stolen?

Recipient should immediately report any problems or a lost or stolen card by calling 1-866-466-8084. A replacement card will be issued and any available balance will be transferred to the new card, less the $5.00 lost/stolen fee that will be deducted from the card’s available balance (a new card issuance fee may also apply). As long as the lost or stolen card is reported immediately, the cardholder is not responsible for any unauthorized merchant charges.

 Can the Visa® TravelMoney card have a negative balance?

Any authorization request that is greater than the card’s available balance will be declined. However, there can be times when a Visa®® merchant puts an item through without prior authorization. If an overdraft occurs, the card recipient will be required to make a payment to cardholder services to cover the negative amount.

Payments should be sent to:

Cardholder Services
• P.O. Box 7235,
Sioux Falls, SD 57117-7235

What happens if my purchase is denied?

In most cases your available balance is less than the purchase amount.  You will want to tell the merchant the exact amount left on your card and use another form of payment to pay the difference (subject to the merchant’s policies).  In rare cases, if an inactivity fee has been assessed and has brought your card to a $0 balance; your card will have automatically closed.

Here are some tips when using the card at:

  • Restaurants, Beauty Salons, Hotels, Car Rental Agencies - It is customary for service-oriented or travel companies to require an available balance over the purchase amount (usually 25%) to ensure sufficient funds for tips or incidental expenses.
  • Gas Stations -  Paying at the pump using this card requires at least a minimum balance of $75.00 (subject to change).  However, only the actual amount spent will be deducted from the card.  If your Visa® TravelMoney Card is less than $75.00, you can use the card inside the station as long as the purchase does not exceed the remaining balance.
  • On-Line Merchants - This card may not be used at age restricted on-line merchant sites.

How do I find an ATM when I travel?

Use the ATM locator found at www.Visa®.com or www.hctravelcard.com for participating Visa® ATMs both domestic and abroad.

 What is the exchange rate when I get to another country?

The exchange rate is determined by the rate of exchange on the date of purchase. Using your Visa® TravelMoney Card at an ATM can be less expensive than using a currency exchange to get foreign currency. Please note that an International Transaction Fee of 3% of the transaction amount will be assessed on all transactions conducted internationally.

When I travel, are my receipts in US Dollars or the local currency?

Your receipt will reflect the local currency.

 How do I get a secondary card?

You may get a secondary card by returning to the original purchase location of your Visa® TravelMoney Card. The financial institution will be able to issue a secondary card on your account.  Limit 2.

How do I find out more about the Visa® TravelMoney travel & emergency assistance, purchase security and lost luggage reimbursement?

For general questions regarding this benefit, please go to www.hctravelcard.com or call the Program Administrator at 1-800-757-1274, or call collect at 0-804-673-6496.

 

CONTACT US

Contact our Call Center at
(575) 647-4500 or (800) 658-9933.

Hours of Operation:
Monday thru Friday, 8 am-5 pm

By email: info@wsfcu.org

By mail: P.O. Box 99 Las Cruces, NM 88004

2755 North Main St, Las Cruces NM 88001

Routing & Transit # 312276470

Your savings federally insured to at least $250,000 and backed by the full faith and credit of the U.S. Government. National Credit Union Administration, a U.S. Government Agency.  Equal Housing Lender. We do business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act.

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