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Terms & Conditions

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(Keep this document in your records for future reference)
(Purchasers should provide this document to their recipient, if applicable)

This Commercial Prepaid Card Agreement Terms and Conditions (“Agreement”) governs the issuance and use of the SunTrust Visa Commercial Prepaid Card (“Card”). In this Agreement, the words “you” or “your” mean the recipient of the Card and/or any authorized user who has possession of the Card; the words “we”, “our” or “us” mean SunTrust Bank, the issuer and owner of the Card; and the word “originator” means the individual or entity who requested that SunTrust issue the Card to you and who has the authority to place additional funds on the Card (“reload”) from time to time. Acceptance of the terms and condition of this Agreement is evidenced by your signing the Card, activating the Card and/or using the Card to make any transaction. The value of your Card and all of our prepaid cards are held by us in an aggregate account.



Activation, PIN Registration and Signature.  If your Card is not already activated, before using your Card, you must:

Important: You will receive a Card account Access Code. The Access Code is required to activate the Card. For security reasons, we will only give the Card account Access Code to you. Cards not activated within 6 months of issuance will be closed to prevent fraudulent use. Please contact Customer Service at 1-866-209-4909 for card reissue or check refund. Standard fees will apply.

Merchant Use and Acceptance.  The Card may be used (i) to purchase goods and services at any merchant that accepts Visa debit cards worldwide and (ii) to access cash at an ATM or bank that accepts Plus/Interlink. The Card cannot be used for Internet lotteries, betting, gambling or any illegal activity. We are not responsible if a merchant refuses to honor your Card. You cannot stop payment on any purchase with your Card after it has been completed.

Card Amount and Duration.  Cards will be issued in the amount requested by the originator from zero to a maximum of $5,000.00. From time to time the originator may reload the Card, provided that the resulting Card balance at the time of each reload cannot exceed $8,000.00. Each time you use the Card, the Card balance is reduced by the amount of the transaction. If you receive value from a merchant that is greater than the remaining balance on the Card, you agree to pay us, immediately upon demand, the amount of your transaction excess of the remaining balance.

Expiration and Renewal.  The Card will expire on the expiration date embossed in the front of the Card. If, within the 6 month period prior to the expiration date, (i) the card has been used for a transaction or you have made an inquiry regarding the Card and (ii) the originator has not closed the Card account, you will automatically receive a new card with a new expiration date embossed on the front of the Card. If there is no transaction or inquiry activity within that 6 month period a $2.00 per month inactivity fee will be applied to the balance of the Card until the Card’s value equals $0.00. At this time, or if the originator has closed the Card account, all transactions will be declined.

After the expiration date (or earlier, if you wish to terminate your Card prior to the expiration date) you can redeem the remaining Card balance by calling Customer Service (1-866-209-4909). The redemption will be subject to a $15 check issuance fee that will be deducted from your remaining Card balance.

After the expiration date (or earlier, if you wish to terminate your Card prior to the expiration date) you can redeem the remaining Card balance by calling Customer Service (1-866-209-4909).  The redemption will be subject to a $15 check issuance fee that will be deducted from your remaining Card balance. 

Authorized Users. If you permit another person to use your Card, all purchases made by this person will be deemed authorized transactions and you are responsible even if this person’s use exceeds the limit you authorized or intended. 

ATM/PINS. You may request issuance of a PIN in order to obtain cash from ATMs (ATM withdrawals are limited to $400.00 per day). You must not disclose the PIN to any person and must keep it separate from your Card. In the event your PIN is stolen, you must notify us immediately (call toll free at 866-209-4909). In the event your PIN is disclosed to any unauthorized person, whether by your failure to maintain confidentiality of the PIN, failure to keep the PIN and the card separate or otherwise, you shall be liable for all transactions through use of the PIN whether or not incurred by you. We reserve the right, without notice, to withdraw and/or cancel your privilege of use of ATMs. 

Foreign Purchases.  All purchases processed in a foreign currency will be converted to U.S. dollars under the rate selected by Visa from the range of rates available in the wholesale currency markets for the applicable processing date (which rate may vary from the rate Visa receives) or the government-mandated rate in effect for the applicable processing date, increased by an amount not to exceed 3%. Conversion may occur on a date other than the date of the purchase, which may affect the conversion rate used. We do not control the rate, date or place of the exchange. Visa will use this procedure if a credit is subsequently given for the purchase. The currency conversion rate on the date of the original transaction may differ from the rate in effect on the date the credit was issued.

Use at Gas Stations.   When paying at the pump, simply insert your Card and follow the instructions. If you are unable to complete the transaction at the pump, proceed inside and present your Card to the attendant prior to pumping. 

Use at Restaurants, Hotels and Other Service Merchants.  Restaurants, hotels and other service merchants such as bars, taxis, beauty/barber shops and spas will add from 10% to 25% to the amount of your purchase at the time of authorization to cover any anticipated gratuity and additional charges. If the amount of authorization is greater than the available Card balance, the purchase may be declined. To avoid any problem, make sure that the amount of the restaurant or hotel bill (less any gratuity) is not more that 75% of the available Card balance. The actual amount processed to your Card will not exceed the amount of the bill plus the tip you add.

Purchases in Excess of Card Value. Merchants are generally not able to determine the balance on your Card. Therefore, you should know your Card balance before you shop (see Card Balance, below). If you do not have a sufficient Card balance to make a purchase, you must let the merchant know in advance the amount of the Card balance and that you will be using two types of payment for the purchase. The excess amount should be paid before the Card is processed (by cash, credit card or check), otherwise the Card may be declined. We are not responsible if a merchant does not accept the transaction and you are not able to complete the purchase.

Merchant Disputes and Returns.  You agree to settle any problems you have with the goods or services you purchased using your Card with the merchant that provided such goods or services. If you are entitled to a refund from the merchant, you agree to accept the merchant’s refund policy. We have no liability for the goods or services you obtained with your Card.

When returning a purchase, the merchant will ask for the Card you used to make that purchase. Therefore, it is important to keep your Card even after the balance is depleted in case you need to return any purchased items.

Merchant Hold Periods.  When you use your Card at certain merchant locations, the merchant may obtain a preauthorization for the purchase. The amount of the preauthorization may be more than the final transaction amount. When preauthorization occurs, a 3-day hold will be placed on the Card and those preauthorized funds will not be available for other Card uses during the hold period. Any excess will be placed back on the Card after the purchase is settled through the system. We are not liable for charges against the Card during the hold period.

Reduce your risk of loss.   You can reduce the risk of losing your Card value by taking the following actions:


Customer service is available 24 hours a day, 7 days a week by calling us at 1-866-209-4909. You can also visit us online at

Card Balance, Transaction Information, and Periodic Statements.  By visiting us online or by calling Customer Service, you can receive information regarding your Card balance and expiration date as well as a summary of your transactions. By visiting us online, you can register to receive daily balance updates via SMS text message and/or email. You can access your periodic statements online. Upon your request and
for a fee of $10.00 each, we will send you periodic statements.

Error Resolution. If you believe that there is an error on your purchase receipt or need more information regarding a transaction, you must contact us at 1-866-209-4909 within 60 days of the purchase date and provide us with the following information:

If you tell us orally, we may require that you send us written confirmation of your complaint or information request within 10 business days. Generally, we will tell you the results of our investigation within 10 days after we receive the information and will promptly correct any error or advise you if we decide that there is no error. Under some circumstances, we may take up to 45 days to investigate your complaint or request.

Stolen/Lost Card or Unauthorized Use. If you believe your Card has been lost, stolen, or subject to unauthorized use, you agree to CALL CUSTOMER SERVICE IMMEDIATELY. If you do not call us within a reasonable time, you may be liable for up to $50 if an unauthorized person uses your Card for purchases. If you call us immediately and provide evidence that you are the Card owner, you will be reimbursed for unauthorized Card purchases. Regardless, you must call us within 60 days after the unauthorized use and provide the following information: your name, the Card number, the date of the last authorized use and the circumstances of the unauthorized use. We may require you to send a written statement within 5 days. A replacement card or check may be issued. There is a replacement Card fee of $10 and a check issuance fee of $15 that will be deducted from your remaining Card balance.

If you permit another person to use the Card, all transactions made by this person will be deemed authorized transactions and you are responsible even if this person’s use exceeds the limit you authorized or intended.

Keep a record of your Card number in a safe place, separate from your Card, so that we can assist you when the Card is lost or stolen.

Damaged Card.  If your Card has been damaged, contact customer service. If you can provide evidence that you are the Card owner, a replacement Card will be issued for the remaining Card balance and the original Card will be cancelled. There is a replacement Card service Charge of $10 that will be deducted from the remaining Card balance at the time of issuance.

Merchant Disputes. We have no responsibility for the goods and services purchased with the Card. Any dispute regarding these goods and services must be resolved directly with the merchant.


We are the issuer and owner of the Card and may cancel your right to use the Card at any time without prior notice to you. You will not be able to use a cancelled Card. If your Card is cancelled, you may call our Customer Service for further information.

Except as required by applicable law, we reserve the right to discontinue the Card program or add to, delete or amend the terms and conditions of this Agreement at any time by sending you written notice, posting the notice or revised Terms And Conditions online at, or by sending notice to your email address listed in our records. By using your Card after the effective date stated in the notice, you will have confirmed your agreement to the change. If you do not agree with the change and want a refund of the remaining card balance, you must not use your Card and must call our Customer Service. There is no fee associated with your refund.

SERVICE FEES (subject to applicable law)

You agree to pay the following service fees that apply to your use of the Card. These fees will be deducted from the remaining Card balance.

Replacement Card Fee
This fee is for a replacement Card when the Card is damaged, lost or stolen. A replacement card will not be issued if the remaining Card balance is $5 or less.

Check Issuance Fee
This fee is for processing a check to you for any remaining Card balance upon the expiration or reported loss or theft of the Card or upon your request. A check will not be issued if the remaining Card balance is $15 or less.

Express Delivery Fee
This fee is for expedited Card delivery. There is no fee for First Class Mail Delivery.

PIN Change Fee
Free for the first PIN change
$1.00 for each additional PIN change
This fee is for PIN changes that you have requested or are required due to unauthorized access to or disclosure of, the PIN.

ATM Fees
$5.00 for international ATM transactions
$2.00 for domestic ATM transactions
There is no fee for ATM transactions made at SunTrust Bank

Periodic Statement Fees
$10.00 per mailed hardcopy statement
This fee is for hardcopy statements mailed to you upon your request. You can access your periodic statements online at without cost.

Inactive Account Fee
$2.00 per month following 3 months of inactivity. Inactivity is defined as no transactions (cash or purchases) or account inquiries made on the Card account.

Customer Service Agent Assistance Fee
$2.00 for each call.
This fee is for Customer Service agent assisted calls. There is no fee if you access us online or register for text and email balance alerts.

Interactive Voice Response Fee
FREE for the first call.
$1.00 for each additional call.
This fee is for our touch-tone account information system.
There is no fee if you access us online or register for text and email balance alerts.

Monthly Maintenance Fee
$1 per month. This fee covers costs incurred to service your Card.


You and we knowingly, voluntarily and irrevocably waive the right either of us may have to a jury trial in connection with any litigation (including class action suits brought by you or brought on your behalf) relating to your Card or Card usage or any services we provide with respect to your Card.


This Agreement is governed by the applicable federal law and the laws of the State of Georgia, without regard to conflict of law principles and regardless of where you reside.


We will not disclose your Card information to third parties except in the following situations:


To help the government fight the funding of terrorism and money laundering activities, Federal law requires that we obtain, verify, and record information that identifies each person who applies to receive a Prepaid Card. Thus, we will ask for your phone number, date of birth, name, social security number and physical address so that we may properly identify you. We may also ask to see your driver's license or other identifying documents.


We have no liability for any performance failures or delays caused, completely or partially, by power failures, labor disputes, fire, severe weather, acts of civil authority, civil disturbances, terrorism, computer malfunction, or any other acts of God or event beyond our reasonable control. In our performance of this Agreement, we will not be liable for any consequential, indirect or special damages.


We reserve the right to transfer and assign all or any part of our rights and obligations under this Agreement to any other entity or person and that entity or person shall be entitled to enforce our rights under this Agreement.


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