Gift Cards
Please Note:
If you purchased or received a St. Mary's Bank Visa Gift Card prior to September 1, 2011 your gift card is still valid. Below are some Frequently Asked Questions, if you have any additional questions please call 1-800-847-3473.
Frequently Asked Questions
Q: How does the gift card work?
A: The gift card is a prepaid card that can be used most everywhere Visa Debit Cards are accepted. Because it's a prepaid card, spending is limited to the amount of money on the card. When the recipient makes a purchase with the gift card, the purchase amount is deducted from the card balance.
Q: Is the gift card a credit card?
A: No. The gift card is a prepaid card. While a prepaid card looks similar to a credit card, gift card recipients do not have a line of credit. They can only spend up to the balance on the card.
Q: What if the item I want to purchase costs more than the value on my gift card?
A: When you present your gift card as payment, simply inform the cashier of the value of your card. You can then choose another form of payment for the remaining portion of your purchase.
Q: Can I add additional value to the gift card?
A: No, this card is not re-loadable meaning once the balance is spent, the card should be cut up and thrown away.
Q: Can I use the gift card to make a purchase that is larger than the balance on the card?
A: No, since the available card balance is a fixed amount. However, you can request to pay the balance of the purchase with cash, check, or a credit or debit card.
Q: Can I check the balance on my card?
A: Yes, you can check the balance on your card online by using the activate/register card tab on the gift card website, or by calling 1-800-847-3473.
Q: What should I do when the merchant's sales terminal asks me to press 'Debit' or 'Credit'?
A: You should always press the 'Credit' button. Although the gift card is not a credit card, the transaction is processed like one. You should always sign a sales receipt.
Q: Can I use my gift card at an ATM?
A: Due to association regulations and federal efforts to combat money laundering and terrorist funding, cash access is not permitted on Non-Reloadable Gift Cards. Restricting cash access on a gift card also prevents unnecessary costs associated with ATM fees. You can however enjoy all the purchasing power of Visa with your Gift Card by using it wherever Visa debit is accepted. Some restrictions may apply.
Q: Does my gift card work at Gas Stations?
A: Yes, simply present your gift card to the attendant for payment. Your gift card cannot be authorized from a "pay at the pump" device. Take it in to the cashier and let them know how much gas you want to purchase.
Q: Whom do I call if I think there has been a transaction error on my gift card?
A: If you believe there is an error, such as a purchase that you do not recognize, simply call us at 1-800-847-3473.
Q: Can I use my card for recurring transactions?
A: No, the gift card may not be used for automatic recurring transactions such as internet service providers or health club fees. The card may not be used for internet gambling or any illegal activity.
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