Visa® Gift Card Frequently Asked Questions

Note: We no longer sell Visa® Gift Cards but can still answer questions you have about recently purchased cards.
What are Visa® Gift Cards?
Visa® Gift Cards are non-reloadable gift cards. They can be used worldwide anywhere Visa debit cards are accepted.
What can the Visa® Gift Cards be used for?
Visa® Gift Cards can be purchased as gifts and can also be used for travel spending and budgeting. The cards cannot be used at ATMs, or for purchases on credit, as with credit cards.
What are the Terms and Conditions?
When you activate your Visa® Gift Card, you'll be asked to read the Terms and Conditions from your Visa® Gift Card issuer. The Terms and Conditions will explain your rights and responsibilities when using your Visa® Gift Card.
Please Note: In order to read the terms and conditions document, you will need to install Adobe® Acrobat® Reader®. This program is available free from Adobe by clicking here
How long will it take to receive my Visa® Gift Card?
Please allow up to 2 weeks to receive your Visa® Gift Card.
Can I use my Visa® Gift Card at more than one merchant?
Absolutely, as long as there are funds remaining on your card, and the merchant accepts Visa® debit cards.
Can I use the Visa® Gift Card for online purchases?
Yes! You can use the card anywhere Visa® debit cards are accepted—in stores and online. However, some online merchants may require Address Verification. This process requires that the billing address be “linked,” or assigned, to the card’s 16-digit account number. The cardholder must visit www.consumercardaccess.com/DCgiftcard to register his or her card; this will assign an address to the card. Once the verification process is complete, any merchant requiring Address Verification will be able to link a Billing Address to the card’s 16-digit account number.

What happens if I spend all the funds on my Visa® Gift Card?
Your card will no longer be accepted as a valid form of payment. At this time, you can discard the card or keep it as a special reminder of the person who gave it to you.
What happens if I lose my Visa® Gift Card?
If a card is lost, Customer Service will close the account and promptly issue a Replacement Card with the remaining balance of the lost card. There is a $15.00 per-card Replacement Card Fee for this service. To report a card lost or stolen, please call Customer Service toll-free at 1-800-539-5029. To ensure that we can identify your account should the card be lost or stolen, please register your card at www.consumercardaccess.com/DCgiftcard.
Who do I contact with questions about my Visa® Gift Card?
For card information, call Customer Service toll-free at 1-800-539-5029. Direct Correspondence to: Cardholder Services PO Box 1481 Madison, WI 53701-1481
Why do I need to register my Visa® Gift Card?
Registering your card allows customer service to locate your card account and send a Replacement Card to you in the event that your card is lost or stolen. Note: a $15.00 per-card Replacement Card Fee applies. Registering your card is easy—just visit www.consumercardaccess.com/DCgiftcard and enter your name and address, or call toll-free 1-800-539-5029.
How is my information protected?
Security is as an important feature for us as it is for you. To protect your private information on the Internet, we use strong data encryption processes to protect the security of every order you place using this site. To protect your account information and transactions, we electronically verify information when you access this site.
How do I use my Visa® Gift Card at restaurants?
You are encouraged to use your card at restaurants that accept Visa® debit cards. For authorization purposes only, a 20% gratuity is automatically added to your food bill. In addition, some restaurants have preprogrammed their own card terminals to authorize a gratuity (usually 15-20% of the food bill). Both additions are for authorization purposes only, and you will only be charged for the gratuity you designate on the receipt.
Can I use my Visa® Gift Card to "pay at the pump" at gas stations?
Your card can be used at any gas station where Visa® debit cards are accepted. “Pay at the pump” card terminals immediately verify that there are enough funds on a prepaid card to complete a transaction for an average purchase of gas, or $75.00. If your card does not have enough money to pay for this amount, it will be declined by the “pay at the pump” card terminal. If your remaining balance is less than $75.00 and you would like to spend it on a fuel purchase, we recommend that you pay for your purchase inside at the merchant’s cash register.
What if my purchase exceeds the value on my Visa® Gift Card?

To make a purchase that is more than the available balance on your card, you may use another payment method to share the expense of your purchase. This is called a split transaction. Simply use your card to pay for a portion of the purchase amount and a second payment method—check, cash or credit card—for the remainder.

Please note that split transactions are subject to individual merchant policies. When making your purchase, remember to tell the merchant the dollar value on your card. You can easily verify your remaining balance via the Visa® Gift Card Web site, www.consumercardaccess.com/DCgiftcard, or by calling Customer Service toll-free at 1-800-539-5029. The merchant will not be able to provide you with this information. If you attempt to make a transaction* for more than the balance on your card, the transaction will be declined.

*Anywhere Visa® debit cards are accepted.

What should I do if my Visa® Gift Card is declined?
If you experience any problems using your card, please contact Customer Service 24 hours a day, 7 days a week by calling toll-free 1-800-539-5029.
How do I activate my Visa® Gift Card?
Activating your card is convenient via phone or Internet. To activate by phone, simply call Customer Service toll-free at 1-800-539-5029. To activate online, visit www.consumercardaccess.com/DCgiftcard and click on the “Activate” link under “My Account.”
How can I check my available balance?
Your card available balance can be verified by visiting www.consumercardaccess.com/DCgiftcard, or by calling Customer Service toll-free at 1-800-539-5029. Be sure to have your 16-digit card account number ready to access this information.
Can I add more money to my Visa® Gift Card?
Cards are not reloadable.
What happens if I have a remaining balance when my Visa® Gift Card expires?
Cards are good for up to two years from date of issue. If a balance remains on the card after six months, a Monthly Maintenance Fee of $2.50 will be charged to maintain that balance.
How long can I use my Visa® Gift Card?
Your card expires 24 months from the date of issue. The expiration date is printed on the card. A Monthly Maintenance Fee of $2.50 is waived for the first six months after the date of issue.
The Visa® Gift Card is issued by Silverton Bank, N.A., pursuant to a license from Visa U.S.A. Inc.
© 2008 Direct Checks Unlimited Sales, Inc.