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What is a CU Money Debit Card?

The CU Money Visa Reloadable Prepaid card is a smart and cost-effective alternative to carrying cash and paying check cashing fees. Because it is a pre-funded card, you only spend the money you load on it and you can typically get it without a credit check. Simply purchase the Visa Reloadable Prepaid card, load it with the cash amount you choose. Use it to make purchases and pay bills anywhere Visa debit cards are accepted, including in stores, online or over the phone.

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Frequently Asked Questions

It’s easy to get a CU Money Visa Reloadable Prepaid card – buy one from either GMCU location.

Because it is a prepaid card, spending is limited to the amount of money you load on the card. Plus, because it carries the Visa logo, you can use it anywhere Visa debit cards are accepted in stores, online or over the phone. Each time you use your card, the purchase amount is automatically deducted from your card balance. You may add money to the card at either branch location. Reload fee is .50¢. Funds are available within 24-hours.
Report lost or stolen cards immediately to: Customer Service (800) 304-2273, option 1, option 1 again. You will need your cardholder name, card number, or SS#, and tell the representative the problem. New Card issue: $5.00 fee (deducted from the card). Replacement cards are mailed within 7-10 business days. We recommend that members should make a note of the toll-free number and keeping it in a safe place in case both your card and the accompanying materials are lost or stolen.
You can use your card online, over the phone and at the millions of places that accept Visa debit cards including supermarkets, pharmacies, clothing stores, drug stores, and more. There are some guidelines for special transactions that you should be aware of before you shop – refer to the next two questions for more information.

Are there any special types of transactions I should know about before I shop?
There are special types of transactions that you should know about.

  • Gas Stations – Paying at the pump may cause a hold of up to $75 or more; consider paying inside with the attendant for the exact amount and signing the receipt instead.
  • Restaurants – Restaurants may verify you have enough money on your card for the dining bill. Make sure you have enough funds to cover any added tip.
  • Hotels – Hotels may put a “hold” on the amount of your estimated bill, making that amount unavailable for other purchases. When you check out, that hold may take a few days to be removed.
  • Auto Rentals – You may use your card for final payment for a rental car bill, but a credit card may be necessary to reserve a rental car.
  • Returning purchases – Store return policies may vary. You may receive a credit to your card, a cash refund or even a store credit, depending on the particular store. A credit to your account may take up to one week to process before it’s available for use.
  • Paying Bills Pay just about any one-time or recurring bill.
Reloadable Prepaid card? Minimum Load $10, Maximum load $5,000.
In most cases, you can simply add more money to your card. It’s called “reloading” your card and you can do it at either GMCU location, .50¢ fee (deducted from the card balance). Money will be available within 24-hours.

Keep your card even after the balance is depleted and you decide not to add additional money to it in case you need to return any purchased items. You might be asked to present the card when returning items purchased with the card.

Be sure to know your card balance before you shop as most merchants cannot determine it for you. At the time of purchase, give the card to the cashier and ask to signthepurchasereceipt.Or,swipethecardthroughthekeypadandpushthe credit button, then sign the receipt. Each time you use your card, the purchase amount is automatically deducted from your card.

To get cash back when making a purchase, swipe your card and choose the “debit” button, then select the cash back amount you want from the screen options, enter your PIN, and take your cash and receipt to keep track of your balance.

You can check the card balance at your card by calling: (877) 850-9650 or login to Keeping track of your balance is a sure way to know how much you have to spend.
To make a purchase greater than the balance on your card, you will need to use a second payment method cash, check, or credit card to cover the difference. When making your purchase, you must tell the cashier in advance how much to deduct from your card and how much you will pay with the second payment method. However, not all merchants can handle these split tender transactions; and, if you try to purchase an item of greater value than your card balance, your card will be declined.
If a transaction is declined, the merchant will let you know. To help prevent this, keep track of your balance by visiting the web site: or phone number provided with your card.
If the merchant cancels a transaction at your request, it may take three to seven days for the authorization hold to be removed from your card.
Present your Visa Reloadable Prepaid card at the time of a merchandise return. If the merchant s return policy allows it, the merchant will credit the amount of the purchase back onto your card.

Remember to save your purchase receipts and your card even after the funds have been depleted, in case you have merchandise returns. When returning an item purchased online, have your card number available in order to process the return. The merchandise value will be credited back to your card within three to seven business days.

You can make purchases using your CU Money Visa Reloadable Prepaid card until the expiration date shown on the card, or until the value of the card has been depleted. Once your balance on your card has been deleted, you can add more money to your card at either GMCU location.

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