Frequently Asked Questions

VISA Gift Card Frequently Asked Questions

Q: What is the FIRST SECURITY BANK Visa Gift Card?
A: The FIRST SECURITY BANK Visa Gift Card is a prepaid Visa card with a specific dollar value that recipients can use to make purchases up to the amount available on the card.

Q: How can I use the FIRST SECURITY BANK Visa Gift Card?
A: The FIRST SECURITY BANK Visa Gift Card is used just like any other Visa card to make purchases. Each time the Gift Card is used, the amount that is spent will automatically be deducted from the balance remaining on the card.

Q: What makes the FIRST SECURITY BANK Visa Gift card different from other Gift Cards or gift certificates?
A: The FIRST SECURITY BANK Visa Gift Card can be used wherever Visa debit cards are accepted. Unlike a store gift card or certificate, which limits you to purchases only at that store, you can use the FIRST SECURITY BANK Visa Gift Card for any gift you wish at almost any store.

Q: Is the FIRST SECURITY BANK Visa Gift Card a credit card?
A: No, the FIRST SECURITY BANK Visa Gift Card is a prepaid Visa card with a value of any amount you select between $25 and $500.

Questions about purchasing a First Security Bank Visa Gift Card
Q: How do I buy a First Security Bank Visa Gift Card?
A: You can purchase your FIRST SECURITY BANK Visa Gift Cards at any First Security Bank location. The funds will be debited from your account for the purchase amount plus the service fee. When you're ready to buy a FIRST SECURITY BANK Visa Gift Card, be prepared with your name, address and telephone number, the recipient's name, address and telephone number.

Q: How much money can I put on an FIRST SECURITY BANK Visa Gift Card?
A: You can purchase Gift Cards in any whole dollar amount you choose from $25 to $500.
Service fee for customers = $2.50
Service fee for non-customers = $4.95

Q: Can I buy a FIRST SECURITY BANK Visa Gift Card for myself?
A: Yes. A FIRST SECURITY BANK Visa Gift Card can be a useful tool for managing your own spending budget.

Q: How do I activate my Gift Card?
A: Your card is ready to use when purchased.

Q: Can I give the FIRST SECURITY BANK Visa Gift Card to anyone?
A: Yes, the FIRST SECURITY BANK Visa Gift Card program is completely flexible and can be sent to anyone of any age.

Q: Can I use my Gift Card overseas?
A: Yes, your FIRST SECURITY BANK Visa Gift Card can be used anywhere VISA is accepted.

Q: Can I use my credit card to purchase a Gift Card?
A: You may not use a credit card to purchase a FIRST SECURITY BANK a Gift Card. You must be a current account holder of First Security Bank. The funds will be debited from your deposit account to purchase your Gift Card, similar to purchasing a cashier's check or a money order.

Questions about using the FIRST SECURITY BANK Visa Gift Card
Q: Where is the FIRST SECURITY BANK Visa Gift Card accepted?
A: The FIRST SECURITY BANK Visa Gift Card is accepted everywhere Visa debit cards are accepted.

Q: How will I know the value of my Gift Card?
A: The dollar amount must be recorded on the Gift Card holder by the purchaser at time of purchase.

Q: How can I check the balance on my Gift Card?
A: You can check your balance and transaction history by calling toll free at 866-353-1275. Make sure you have your 16-digit FIRST SECURITY BANK Visa Gift Card account number and the 3 digit authorization code (found on the back of your Card) ready.

Q: What do I do if my FIRST SECURITY BANK Visa Gift Card is lost or stolen?
A: Contact us immediately at 866-353-1275 and you will be given instructions on how to get help. You may have a new card issued to access your funds (re-issue fee will apply). You will need the card number to cancel the card and issue a replacement. PROTECT YOUR CARD LIKE CASH. If lost or stolen and the funds are spent before a hold can be placed on the card, those funds cannot be recovered.

Q: Can I use the Gift Card at more than one merchant?
A: Yes, as long as there is a balance remaining, you may continue to use your gift card for purchases.

Q: What if the item I want to purchase costs more than the value of my Gift Card?
A: You must tell the cashier or merchant the amount you want to pay on your Visa Gift Card and pay the remainder through other means. If you don't tell the cashier or merchant and try to make a purchase for more than the amount on your Gift Card, the transaction will be declined because you don't have enough money on your Gift Card. Note: It's important to keep track of your Gift Card balance so you don't try to make purchases for more than the amount remaining on your Gift Card.

Q: Will the FIRST SECURITY BANK Visa Gift Card recipient receive a statement?
A: No, account balance and transaction information can obtained by calling 866-353-1275.

Q: Does my FIRST SECURITY BANK Gift Card work at gas stations?
A: Yes, the card works at gas stations, however, at gas stations with a "pay at the pump" capability, the card cannot be authorized directly at the pump. Simply present the card to the attendant for payment.

Q: Can I use my Gift Card for recurring payments, like my phone or Internet bill?
A: No, the gift card cannot be used for recurring payments. If used for recurring transactions, it is possible for the sales to post regardless of the amount left or if the account is closed. This could result in collection measures or the merchant discontinuing your service for non-payment.

Q: Can I add additional money to the card?
A: No, the card is not re-loadable. However, you can purchase a new Gift Card at any First Security Bank location.

Q: Does the FIRST SECURITY BANK Visa Gift Card expire?
A: The card is valid until the expiration date shown on the front of the card, except where prohibited by law. We encourage you to use the entire gift amount before the card expires or within 6 months after the purchase date, whichever occurs first. A $5.00 monthly maintenance fee will apply to the remaining balance beginning 6 months after the purchase date.

Q: What if the entire amount on the FIRST SECURITY BANK Visa Gift Card is not used before the expiration date?
A: You will have to contact us to have your balance refunded to you. There will be a check processing fee of $15.00.

Q: Can my FIRST SECURITY BANK Visa Gift Card be used at an ATM?
A: No, your First Security Bank Visa Gift Card cannot be used to obtain cash. Your Card is a signature based debit card and can only be used for transactions at merchants where Visa is accepted.

Q: Can I get cash from my FIRST SECURITY BANK Visa Gift Card at a bank teller?
A: Yes, your First Security Bank Visa Gift Card can be used to get cash from a First Security Bank teller. A $5.00 cash advance fee will apply. You must include the cash advance fee in the total amount of the transaction or your transaction will be denied.

Q: Can the FIRST SECURITY BANK Visa Gift Card continue to be used after the gift amount has been spent?
A: No, once the total amount on the Gift Card has been depleted, the account will be closed and additional purchases will be declined.

Q: What should I do if I have a dispute with the merchant over a purchase made with my FIRST SECURITY BANK Visa Gift Card?
A: You should contact the merchant directly to settle the dispute.

Q: What should I do if I think there is an error on a transaction made with my FIRST SECURITY BANK Visa Gift Card?
A: If you think there is an error involving a transaction made with your Gift Card such as a purchase you didn't make or an incorrect amount charged to your card, please call us at 866-353-1275, or write us at:
FIRST SECURITY BANK Card Center
P.O. Box 1009
Searcy, AR 72148-1009
We must hear from you no later than 60 days from the date of the transaction in question. You will need to provide:
� Your name and FIRST SECURITY BANK Visa Gift Card number
� The dollar amount of the suspected error and approximately when the error took place
� Describe the error and explain, if you can, why you believe there is an error or why you need more information
We will determine whether an error occurred within 10 business days after we hear from you and will correct any error promptly.

Q: What if I don't want the card and would rather have cash?
A: Remember, this card can be used everywhere that Visa debit cards are accepted, making it very versatile. However, you can contact us at 501-278-2133 to request a check for the value remaining on the card subject to a check processing fee of $15.00.

Q: Can the FIRST SECURITY BANK Visa Gift Card be used at restaurants?
A: It is standard practice in some industries such as restaurants, that the card authorization system will automatically authorize an additional amount to cover the gratuity (usually 20%). Your card will be declined if it does not cover the authorized amount. The entire authorized amount may remain unavailable for up to 5 days. However, only the amount you authorize will be deducted from the value of the card.

Q: Can I use the FIRST SECURITY BANK Visa Gift Card for online purchases?
A: Absolutely. You can use the Gift Card for purchases everywhere Visa debit cards are accepted - even online. Some merchants, however, may require that the card be registered with VISA. Most of these sites will direct the shopper to the VISA website for registration.

Q: What happens if an internet or catalog merchant uses address verification to match up ownership of the card?
A: This is one of the times the card may or may not work. The gift card is an anonymous, bearer instrument so there is not a record of the card recipient's information for the address verification service to check against. If the merchant does not participate in the service or identifies it as a gift card, the transaction will work just fine.

Q: Can recipients change their address and telephone number after receiving a Gift Card?
A: Yes, the recipient can edit the address and telephone number on his or her card by calling 501-278-2133.

Q: I called to check on the amount I have left, and I was told I owe a balance. How can that be?
A: This can happen when a merchant deposits their card tickets late or did not authorize for the full amount of the sale. You should call us to verify that you actually made the purchases. If so, you will be asked to pay the additional amount we lent you.