(1) Where can I use my Impact Bank Visa card?

Your card may be used anywhere debit cards are accepted. The brand marks on your card indicate where the card is accepted and typically will be displayed on the merchant’s store front. Your card can also be used for
online and telephone purchases once the card has been registered.

(2) How do I use my card?

At point-of-sale, use your Gift Card as a signature based transaction. Please select the “credit” option. If you select “debit”, the terminal will prompt you for a PIN which is not available with the gift card.

(3) How can I add funds to my card?

Gift Cards are disposable one time use cards. Therefore additional funds cannot be added to the card. 

(4) What happens if my card is declined at the point-of-sale?

A couple different scenarios may have caused your transaction to be declined.

 1. The merchant does not accept the association type

 2. The merchant selected ‘debit’ instead of ‘credit’ to run the transaction.

 3. The merchant selected ‘gift’ instead of ‘credit’ to run the transaction.

 4. The merchant attempted to process the purchase for a greater amount than what  is 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. 

(5) What is a split tender transaction and how does it work?

If you wish to use your Gift Card to purchase an item for more than the available funds, depending on the Merchant’s policy, you may be able to use your Gift Card toward a portion of the final purchase price, and then
use another form of payment to pay the remaining balance. This is called a “split tender” transaction because you would be splitting the final transaction amount between your Gift Card and another form of payment.  Before you request a “split tender” transaction, you will need to know your card value. Then, you must ask the  Merchant if two forms of payment will be accepted. If the Merchant agrees, request that the Gift Card value be used as the first form of payment, and then use another form of funds to pay the remaining balance. Some retailers will only allow a “split tender” transaction if the second form of payment is cash or check. Online and most mail order merchants do not permit “split tender” transactions. We do not guarantee that the Merchant will accept two forms of payment, such as two prepaid cards.

6.   Can I use my card in a foreign country?

No, the card will be accepted within the United States and countries considered to be U.S. territories. Current countries designated as U.S. territories are:

. Puerto Rico
. Northern Mariana Islands
. United States Virgin Islands
. American Samoa
. Guam

7.  How do I get a list of my balance or transactions?

You may obtain your current balance or a list of all your transactions through www.myprepaidbalance.com or by calling customer service at the phone number provided on the back of your card. In order to receive your
transaction history online, you must first create a profile and add the gift card to your profile. Please note that the website will not display pending authorizations but only completed transactions.

 8.   How do I register my personal information online and what’s the benefit of doing so? 

You may register online at www.myprepaidbalance.com by creating a profile, adding your Gift Card to your profile and then editing the registered user name. Registering your card will provide the additional security required to allow you to check your balance, view transaction history, use your card for phone and internet purchases or request a replacement should your card become lost or stolen.

 9.  What if my card is lost or stolen?  If your card has been lost or stolen, contact customer service by calling the phone number provided on the back
of your card. We recommend that you keep the phone number in a safe place for future reference. 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. It may take up to 30 days to receive a replacement card.

10.  What can I do if there is fraud on my card?

If you notice transactions on your account that you have not made, contact customer service immediately by calling the phone number provided on the back of your card. They will follow normal dispute processes to investigate the fraudulent transactions.

11.  Are there any fees associated with my card?

There is a $2.95 inactivity fee after 12 consecutive months of inactivity.     

12. What is the minimum age to purchase a Gift Card?

There is no minimum age to purchase a Gift Card.