Skip to Content

Frequently Asked Questions

Close this browser window to return to session.

BankPlus Visa® Gift Card

Questions frequently asked by the purchaser:

What is a BankPlus Gift Card?
What dollar amounts can I put on a BankPlus Gift Card?
Where can I purchase a BankPlus Gift Card?
What payment method can I use to buy a BankPlus Gift Card?
If I do not have cash, or a BankPlus account, can I get a credit card cash advance to purchase a BankPlus Gift Card?
Will I be charged a fee for purchasing a BankPlus Gift Card?
Where can the BankPlus Gift Card be used?
Can I purchase multiple BankPlus Gift Cards?
Can I add more money onto my BankPlus Gift Card?
Will my credit be checked to purchase a BankPlus Gift Card?
Why purchase a BankPlus Gift Card rather than a store gift card or gift certificate?

Questions frequently asked by the recipient:

How can I check the balance on my BankPlus Gift Card?
What should I do if my BankPlus Gift Card is lost or stolen?
My BankPlus Gift Card doesn't have my name on it. Can I still use it?
Why should I register my BankPlus Gift Card?
What Terms & Conditions apply to the card?
How will I know the original amount of my BankPlus Gift Card?
Can I make purchases for more than the amount remaining on my BankPlus Gift Card?
Can I use my BankPlus Gift Card at more than one place?
Can I use my BankPlus Gift Card online?
Can I use my BankPlus Gift Card at a non BankPlus ATM?
Can I use my BankPlus Gift Card at a BankPlus ATM?
Can I use my BankPlus Gift Card to get cash or cash back at a bank or checkout lane?
Can I add more money onto my BankPlus Gift Card?
How long can I use my BankPlus Gift Card?
What do I do if my BankPlus Gift Card is expired and I still have a balance?
What happens if I spend all of the money on my BankPlus Gift Card?
What do I do if I have moved since I registered my BankPlus Gift Card?
Is there an inactive fee or dormant card fee?
Why is my Actual Balance different than my Available Balance?
Is the BankPlus Gift Card connected to my credit or the credit of the person who gave me the card?
If the BankPlus Gift Card is not connected to my personal credit profile, why do you need to know my Social Security Number?


Questions frequently asked by the purchaser:

What is a BankPlus Gift Card?

• The BankPlus Visa® Gift Card is a prepaid card - not a credit card. You can buy a BankPlus Gift Card and determine how much money you want to put on the card. You can buy a Gift Card for yourself or for someone else. Once you have purchased a BankPlus Gift Card, the cardholder can use it to make purchases anywhere in the U.S. Visa® debit cards are accepted.


What dollar amounts can I put on a BankPlus Gift Card?

• Cards can be purchased for any whole dollar amount from $25 to $500 per card.


Where can I purchase a BankPlus Gift Card?

• At BankPlus branch locations or on the web at www.visaprepaidprocessing.com/BankPlus/GiftCardWebSales


What payment method can I use to buy a BankPlus Gift Card?

• For in branch purchases, you can purchase a card with cash, a BankPlus check, BankPlus credit or debit card, or a transfer of funds from another BankPlus deposit account can be used to purchase a gift card.
• For online purchases you will need a BankPlus CheckCard.


If I do not have cash, or a BankPlus account, can I get a credit card cash advance to purchase a BankPlus Gift Card?

• Yes. If you do not have cash, or a BankPlus deposit accountthe teller can process a cash-advance from your Visa , MasterCard or Discover card.


Will I be charged a fee for purchasing a BankPlus Gift Card?

• Yes. A fee of $5.00 will be charged for all Gift Card Purchases.


Where can the BankPlus Gift Card be used?

• The BankPlus gift card can be used at any location nationwide that accepts Visa® debit cards. The card can be used at ATM’s or for cash access once a PIN is activated. You may use the card to make a fuel purchase at an automated fuel dispenser at participating merchants, otherwise you will need to see the attendant. Present the card for a preauthorized purchase.


Can I purchase multiple BankPlus Gift Cards?

• Yes. You can purchase multiple cards at your local branch or you can order multiple cards online at www.visaprepaidprocessing.com/BankPlus/GiftCardWebSales . For BankPlus Business account owners, Large Company Orders can be ordered at the branch and the cards sent to your business.


Can I add more money onto my BankPlus Gift Card?

• No. At this time the BankPlus Gift Cards are not re-loadable.


Will my credit be checked to purchase a BankPlus Gift Card?

• No, We will not check your credit when you purchase a BankPlus Gift Card.Because the BankPlus Gift Card is a prepaid card, the cardholder can only use the amount of funds that were placed on the card at the time of purchase.


Why purchase a BankPlus Gift Card rather than a store gift card or gift certificate?

• Unlike store gift cards or gift certificates, the BankPlus Gift Card enables the recipient to choose where, when and what they spend the money on. The card can be used at many stores and even online. Since the card has the Visa logo, it carries more protection including lost or stolen replacement capability.



Questions frequently asked by the recipient:

How can I check the balance on my BankPlus Gift Card?

• To check the balance of your BankPlus Gift Card log on to www.visaprepaidprocessing.com/BankPlus/GiftCardWebSales, or call the toll-free number 1-866-543-9167, or visit any BankPlus ATM. Use the card at a BankPlus ATM for a balance option, no PIN required.


What should I do if my BankPlus Gift Card is lost or stolen?

• If your card is lost or stolen, contact Customer Service immediately to report it. You can contact us by calling our toll-free Customer Service number 1-866-543-9167.


My BankPlus Gift Card doesn't have my name on it. Can I still use it?

• Yes. You can still use your BankPlus Gift Card even though your name doesn't appear on the card. Make sure you sign the back of your BankPlus Gift Card because a retailer can validate your identity by comparing your signature on the back of your BankPlus Gift Card with the one on your receipt. You can register your card as well.


Why should I register my BankPlus Gift Card?

• Registering your card has several benefits:

  • It enables you to make purchases online. Most online retailers do not accept payments without a valid “billing” address. Your registered address will serve as the “billing” address that retailers require.
  • It enables Customer Service Representatives to more quickly assist you when you call.
  • It protects you if your card is ever lost or stolen, so that you can be reimbursed for lost funds.

What Terms & Conditions apply to the card?

• By using your BankPlus Gift Card, you accept the Terms & Conditions provided to you with the card.


How will I know the original amount of my BankPlus Gift Card?

• The original value of your BankPlus Gift Card may be printed on the card carrier. You can also check your balance online at www.visaprepaidprocessing.com/BankPlus/GiftCardWebSales . or by calling the toll-free number on the back of your card, 1-866-543-9167, or by visiting any BankPlus ATM. Insert the card for a balance option. No PIN is required.


Can I make purchases for more than the amount remaining on my BankPlus Gift Card?

• For purchases that are higher than your BankPlus Gift Card balance, you can use your BankPlus Gift Card along with another form of payment. Your BankPlus Gift Card is a prepaid card and can only be used up to the amount on the card. If you attempt to make a purchase for more than the amount available on the card without another form of payment to pay the difference, the transaction will be declined.


Can I use my BankPlus Gift Card at more than one place?

• Yes. That's one of the advantages of a BankPlus Gift Card! You can use your BankPlus Gift Card at multiple retailers that accept Visa debit cards nationwide, as long as there is a balance remaining on the card.


Can I use my BankPlus Gift Card online?

• Yes. You can use your BankPlus Gift Card to make purchases online. You must register your card before purchasing online. Some retailers will not process your purchase without a valid address registered to the card. You can register your card online at www.visaprepaidprocessing.com/BankPlus/GiftCardWebSales . or by calling 1-866-543-9167.


Can I use my BankPlus Gift Card at a non BankPlus ATM?

• Yes, if you activate a PIN for the card.


Can I use my BankPlus Gift Card at a BankPlus ATM?

• Yes. if you activate a PIN for the card.


Can I use my BankPlus Gift Card to get cash or cash back at a bank or checkout lane?

•Yes, if you activate a PIN and complete the transaction as debit transaction.


Can I add more money onto my BankPlus Gift Card?

• No. Your BankPlus Gift Card is non re-loadable.


How long can I use my BankPlus Gift Card?

• Your BankPlus Gift Card expiration date is embossed on the front of your card. You can use your card through the last day of the month printed on the card.


What do I do if my BankPlus Gift Card is expired and I still have a balance?

• If you have not used the card balance before the end of the expiration month, any remaining card balance will be charged as a final fee on the beginning of the month after the card expires. If you were to request a check to be mailed to you prior to the expiration of the card, your card balance minus a $25.00 processing fee will be mailed to you.


What happens if I spend all of the money on my BankPlus Gift Card?

• Once you have used up the funds on your BankPlus Gift Card, your card will be closed. You can keep it in case you need to return an item you have purchased using the card, which will reopen your card if it has not passed the expiration date. You can keep it as a memento. You can also discard it once you have spent all of your money.


What do I do if I have moved since I registered my BankPlus Gift Card?

• You can change your address or telephone number online at www.visaprepaidprocessing.com/BankPlus/GiftCardWebSales . or by calling a Customer Service Representative at 1-866-543-9167.


Is there an inactive fee or dormant card fee?

• There is an inactivity/dormant cardfee of $25.00, which is waived if you don’t allow the card to become inactive for more than 12 months between purchases. If you allow the card to remain in active for 12 months, your card will be charged a monthly maintenance fee of  $25.00 until you use the card to make a purchase. Any remaining card balance will be charged as a final fee on the beginning of the month after the card expires.


Why is my Actual Balance different than my Available Balance?

• Typically, your Available Balance is less than your Actual Balance because your Available Balance reflects purchases you have made that have been authorized, but have not yet cleared your card. Your Actual Balance reflects all purchases that have cleared on your card.


Is the BankPlus Gift Card connected to my credit or the credit of the person who gave me the card?

• No. The BankPlus Gift Card is not tied to anyone’s personal credit in any way.


If the BankPlus Gift Card is not connected to my personal credit profile, why do you need to know my Social Security Number?

• Visa uses key information when investigating a dispute for an unauthorized purchase. Your Social Security Number and other provided information enables Visa to better protect your dispute rights if your card is ever lost or stolen.


Powered by Visa Debit Processing Service