VISA Gift Cards Terms and Conditions

St. Mary’s Bank Gift Card Terms & Conditions

"Agreement" means these Visa Non Reloadable Card Terms and Conditions. "We" "us" and "our" refer to St. Mary’s Bank. "You" and "your" refer to the person who has obtained a Card from us. "Card" means the primary Visa Non Reloadable Prepaid 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 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.

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 www.stmarysbank.com 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 Non Reloadable Prepaid Card immediately upon receipt.

Using Your Card
The VISA Gift Card is a Non Reloadable stored-value card. It is not a credit card. This card is issued by St. Mary’s Bank; pursuant to a license from Visa U.S.A, Inc. Your Card may be used at merchants who accept VISA debit cards worldwide. You may be required, for validation purposes, to provide personal information. The Card is non-transferable. You are responsible for all authorized transactions made with this 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. Any transaction made that exceeds the available balance will be declined. You may check the available balance or review recent transactions by calling 1-800-847-3473 or visiting www.stmarysbank.com.

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.  The conversion rate in dollars will be a rate selected by Visa from a range of rates available in wholesale currency markets for the applicable Central Processing Date, which rate may vary from the rate Visa itself receives, or the government mandated rate in effect for the applicable Central Processing Date in each instance, plus or minus any adjustment determined by the issuer.

Gift Card Account Fees

Error Resolution Procedures
In case of errors or questions, call us toll free at 1-800-847-3473. We must hear from you no later than 60 days after the transaction date. You must provide the following information: your name and Card number; a description of the suspected error, and an explanation as to why you believe an error has occurred; and the dollar amount of the suspected error. If you tell us orally, we may require you to send your complaint or question in writing within 10 business days.

Third Party Web Sites - Many links are provided for your convenience. St. Mary's is not responsible for the content, nor does it guarantee the products or services offered on third party sites. St. Mary's Bank Privacy Policy does not apply to linked web sites. Please consult the privacy disclosure of the third party site for further information.