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VISA® Gift Card
Frequently Asked Questions—

Is the San Mateo Credit Union Gift Card a credit card?
No. It is a prepaid Visa® card that carries a fixed cash amount determined by the giver at the time of purchase. Each time the gift recipient uses the card, the purchase amount is deducted from the available balance.

Where can a Gift Card be used?
It can be used to make purchases everywhere Visa cards are accepted.

Is there a limit as to how much value the Gift Card can have?
Yes. Personalized Gift Cards ordered online have a minimum value of $25 and a maximum value of $500. If purchased at an SMCU branch, the minimum value is $25 and the maximum value is $1000.

Does the gift recipient need to sign an agreement?
Each card is distributed with a Cardholder Agreement & Disclosure. This agreement fully explains the terms and conditions regarding the use of the card. This agreement can also be viewed online. The gift recipient accepts the terms and conditions by either activating the card, signing the back of the card or using the card.

Why does a Gift Card purchased online over $399.00 need to be shipped to the purchaser?
It is a security measure in place to prevent potential Gift Card purchases with a fraudulent or stolen card.

How does the recipient check the balance on the Gift Card?
Go to or call 1-866-244-5360.

Can the Gift Card be reloaded?
No, the card cannot be reloaded.

What are the fees, terms and conditions?
It costs $3.50 for each card if purchased at any SMCU branch. If the card is purchased online, the fee per card ranges from $5.95 - $7.95, depending on the value or amount purchased. For more fees that may apply, please refer to the Terms and Conditions.  For Gift Card Service and any card issues, call 1-866-244-5360.

Can the cardholder use the Gift Card at an ATM?
No, the card can be used for purchases only.

Will a Personal Identification Number (PIN) be issued with the Gift Card?
No, the card works just like a credit care where you sign for a purchase.

Does the cardholder select debit or credit at the point of sale?
The cardholder should always select credit.

What if a purchase is denied?
The card’s available balance is probably less than the purchase amount. Call 1-866-244-5360 for the remaining balance on the card and use another form of payment to pay the difference, subject to the policy of the merchant. Also, please be aware that use of the Gift Card at some merchants — for example, restaurants, mail-order companies, and cruise lines — requires the card have an available balance greater than the purchase amount to ensure sufficient funds for tips or incidental expenses. Use of the card at automated fuel dispensers requires a minimum balance of $30. However, only the actual amount spent will be deducted from the card.