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Gift Cards

Gift Cards FAQ

Call 1 (866) 496-6183.
The purchase price is $4.95.
The expiration date is embossed on the front of the card.
Yes, you can order as many cards as you want. If you order less than 25, there is a $10 order fee.
No, this is not a reloadable card. Once the balance is spent, it is no longer usable.
Your card may be used anywhere debit cards are accepted. The brand marks on your card indicate where the card is accepted. Your card can also be used for online and telephone purchases if the card is registered exactly like the address on file with the merchant.
It is not currently available online. You must visit one of our branches to purchase a gift card.
Your card can be used at automatic fuel dispensers; however, an authorization of $50 or $75 may be posted to your account. This authorization may not be deleted from your account for several days. To prevent a potential over-authorization, we suggest that you pay for your gas in the service station.
No. This card type does not support the Mastercard SecureCode program. However, you can enroll the card online at
You can load the gift card with any whole dollar amount between $10 and $1000. For large orders, you may load it with $10 up to $2000.
Call 1 (866) 496-6183 or go to if the card is lost or stolen. You will be able to speak to a live agent and obtain a replacement card. There will be a $5.00 fee assessed to your card balance to replace your card.
We collect your name and address information when you purchase the card. This is to protect you in case of loss.
Yes, you can call 1 (866) 496-6183 or go to for more information.
At point-of-sale, use your gift card as a signature based transaction (generally called credit). If you select debit, the terminal will prompt you for a PIN which is not available with the gift card.
A couple different scenarios may have caused your transaction to be declined.
  1. The merchant selected 'debit' instead of 'credit' to run the transaction
  2. The merchant selected 'gift' instead of 'credit' to run the transaction
  3. The merchant attempted to run the purchase through for more than available on the card. If this happens, you should ask the merchant to run a 'split-tender' transaction which will allow you to pay a portion of your purchase with your card and the remaining balance with another form of payment.
You would register online at by creating a profile, adding your gift card to your profile and then editing the registered name. Registering your card will provide the additional security required to allow you to use your card for phone and internet purchases as well as requesting a replacement should your card become lost/stolen.
You must advise the merchant how much is available on your card. The merchant would complete a split-tender transaction and charge the gift card for the available balance. The remaining amount of your purchase would require another form of payment.
Yes, you may use your gift card at a restaurant the same as you do at any other merchant. However, it is common for service-oriented merchants to automatically factor in an additional percentage (often times, up to 20% over the purchase price) to cover a tip you may leave on the card. You should ensure that your gift card has an available balance that is 20% greater than your total bill.
Like restaurants and other service-oriented merchants, companies associated with travel services may automatically factor in an additional percentage to cover incidental charges that you might incur. Each entity varies in the amount they could over authorize so to prevent a decline, we advise you to check with the company to determine their policy for over authorizing.
If you notice transactions on your account that you have not made, contact customer service immediately. They will follow normal dispute processes to investigate the fraudulent transactions.
You may obtain your current balance or a list of all your transactions through or by calling customer service at the phone number provided on the back of your card. Please note that the website will not display authorizations but only completed transactions.
Yes, your card will be accepted worldwide, excluding current OFAC sanctioned countries.
Current countries that are sanctioned are:
  • Balkans
  • Belarus
  • Burma
  • Congo
  • Cote D’Ivoire
  • Cuba
  • Iran
  • Iraq
  • Liberia
  • North Korea
  • Sudan
  • Syria
  • Western Balkans
  • Zimbabwe
Inactivity Fee : $2.95 per month . Subject to applicable law, beginning the 13th consecutive month after there has been no activity on your Card, that is, no loads or purchase activity, a monthly maintenance fee will be assessed to your Card as long as there are funds remaining and no activity occurs. Such fees may diminish the Card balance before the “valid thru” date on the front of the Card. You may avoid this fee by using your Card at least once every twelve months.
This card is not funded by a transaction account like your checking account. When you use your checking account debit card, you can choose if you want to use the 'debit' or 'credit' option. The gift card is a non-PIN funded account and only allows the 'credit' option for payment type.

Serving Dallas, Denton, Ellis, Henderson, Johnson, Tarrant, and Tom Green Counties with branches in Arlington, Athens, Bedford, Cedar Hill, Dallas, Desoto, Flower Mound, Grand Prairie, Hurst, Irving, Mansfield, Midlothian, and San Angelo

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