Important Disclosures

The following are your WESTconsin Credit Union Visa Gift Card Terms and Conditions. “Agreement” means these Visa Non-Reloadable Gift Card Terms and Conditions. “We” “us” and “our” refer to WESTconsin Credit Union (hereafter referred to as WESTconsin CU). “You” and “your” refer to the person who has obtained a Card from us. “Card” means the primary Visa Gift Card obtained from us. Please read the following carefully and keep them for your records. You should also review the full Terms and Conditions by visiting westconsincu.org. Upon receipt, the Gift Card should be signed immediately. By accepting and using your Card, you are agreeing to these important Terms and Conditions.

Agreement; Amendments

We agree to maintain the Card for you and to perform according to this Agreement. By obtaining a Card from us, activating the Card, and by using the Card or by permitting anyone else to use the Card, you agree to the provisions of this Agreement, which is subject to amendment, and further agree that this Agreement is binding on your successors, representatives and assigns. We may from time to time adopt new or amended provisions which will be effective after notice has been posted on our website or as otherwise permitted by law. Provisions changed pursuant to regulatory authorities shall be effective per such regulation without further notice. You must be a resident of the U.S. and WESTconsin CU member to purchase this Card.

Card Registration

For online and phone transactions, you will need to register your Card on the Gift Card Website, which can be accessed at westconsincu.org.

Questions or Balance/Transaction Information: visit westconsincu.org or call (800)924-0022 Lost/Stolen Cards: call (866) 902-6082

Using Your Card

Your WESTconsin CU Visa Gift Card is issued by WESTconsin CU and may be used for purchases at most merchants where Visa Debit is accepted. The Card is non-reloadable and cannot be reused. The Card may not be used at some merchants, including recurring payments, non-financial money exchange establishments, and gambling establishments. Some merchants, like restaurants, hotels, or rental car agencies, may attempt to submit authorizations against the Card for an amount greater than the actual purchase amount. If a merchant attempts an authorization greater than the balance remaining on your Gift Card, it may be declined.

The WESTconsin CU Visa Gift Card is not a credit card. You may only use it when there is a balance remaining on the Card and only up to the amount left on the Card. Purchases will be deducted from your Gift Card until the value reaches zero. If you are given value through the use of the Card greater than the balance remaining, you will pay us on demand the amount by which your transactions exceeded the balance remaining on the Card.

To make a purchase greater than the balance on your Card, you will need to use a second payment method—cash, check, credit, or debit card—to cover the difference. When making a purchase, tell the cashier how much to deduct from your Card and how much you will pay with the second payment method.

A $2.50 monthly inactivity fee will be assessed after twelve months of no activity.

Right to Restrict Access

We may restrict access to the Card, temporarily or permanently, if we notice suspicious activity in connection with the Card. We will notify you if we do so. We have no liability for restricting access to the Card because of suspected suspicious activity.

Right to Revoke Card

The Card is the property of WESTconsin CU and we may revoke the Card at any time without cause or notice. You agree to surrender a revoked Card promptly upon demand. Upon revocation, any stored value remaining on the Card will be refunded to you less any applicable fees.

Gift Card Fees Schedule