Pre-Paid Cards

Western Heritage Credit Union Visa® Prepaid card offers several types of Pre-Paid Cards to meet your needs everywhere Visa debit cards are accepted:

Gift Cards, Reloadable Cards, Travel Cards, and Youth Cards. See descriptions below:

Gift Cards

  1. $10 initial load plus purchase fee of $4.00.
  2. No age limit
  3. Minimum load $10 - Maximum load $1000
  4. Card is disposable and cannot be reloaded
  5. Can be re-registered in someone else's name for internet access
  6. Inactivity fee of $2.95 after 12 consecutive months of no activity.
  7. $5 replacement fee if card is lost or stolen
  8. Card cannont be used to access an ATM
  9. Card can be used at restaurant, hotels, and rental agencies but some service-oriented merchants automatically factor in an additional 35% for additional expenses (i.e. tip or additional charges). Cardholder should verify funds prior to using to avoid being declined
  10. Card can be used at a gas station but it is recommended that the card be used at the register to prevent an over-authorization at the pump that would cause the card to be declined
  11. Cardholder can be used as a split transaction but should verify amount on card first and then ask merchant if they can do a split payment prior to beginning the transaction
  12. Expiration date is shown on card
  13. Valid Only in U.S.

Reloadable Cards

  1. $20 initial load plus purchase fee of $5.00.
  2. Age limit - 18
  3. Card cannot be re-registered in someone else's name
  4. Minimum load $20 ~ Maximum load $3000.00 ~ Maximum balance $10,000.00
  5. Maximum daily direct deposit $5000.00
  6. Instant issue card can be loaded 3 times total
  7. Personalized card can be reloaded 2 times per day ~ 4 times per week ~ 10 times per month
  8. Maximum daily POS signature spend $2500.00 ~ Maximum daily POS Pin spend $2500.00
  9. Maximum online account reload (via myprepaidbalance.com from debit card) per day $1000.00
  10. Online account reload fee $10.00 (via myprepaidbalance.com)
  11. $3.00 monthly fee ~ $0 with direct deposit
  12. $3.00 fee each time card is reloaded in branch
  13. $5.00 replacement fee if card is lost or stolen
  14. $5.00 OTC Cash Advance Fee
  15. Card can be used until the expiration date or until the funds are depleted and their max reloads have been met.
  16. Personalized card is generated after one reload and should arrive in 7-10 days. Instant issue can be used an additional 3 times while waiting for personalized card
  17. Cardholder may call customer service to request a replacement card for no charge. If there is a balance on the card and it has been used within the last 30 days the card will automatically be sent to them.
  18. Cardholder may access card at ATM after PIN number has been assigned by calling the Customer Service number listed on back of card
  19. Maximum ATM withdrawal ~ 3 times daily $500 max
  20. $.50 ATM balance inquiry fee
  21. $1.50 domestic ATM fee
  22. $3.00 International ATM fee
  23. POS PIN purchase ~ no fee
  24. Card can be used at restaurant, hotels, and rental agencies but some service-oriented merchants automatically factor in an additional 35% for additional expenses (i.e. tip or additional charges). Cardholder should verify funds prior to using to avoid being declined
  25. Card can be used at a gas station but it is recommended that the card be used at the register to prevent an over-authorization at the pump that would cause the card to be declined
  26. Cardholder can be used as a split transaction but should verify amount on card first and then ask merchant if they can do a split payment prior to beginning the transaction
  27. Expiration date is shown on card
  28. Can be used in foreign country excluding OFAC sanctioned countries
  29. 3% foreign exchange markup

Reloadable Travel Cards

  1. $20 initial load plus purchase fee of $5.00.
  2. $2.95 companion card
  3. Must be 16 to purchase.
  4. Card is registered to purchaser
  5. Minimum load $20 ~ Maximum load $3000 ~ Maximum balance $10,000.00
  6. Maximum daily direct deposit $5,000.00
  7. Maximum daily POS signature spend $2,500.00 ~ Maximum daily POS PIN spend $2,500.00
  8. Reload 2 times per day ~ 4 times per week ~ 10 times per month
  9. Instant issue reload 3 times total
  10. No monthly fee
  11. $3.00 fee each time card is reloaded in branch
  12. $5.00 replacement fee if card is lost or stolen
  13. Maximum online account reload (via myprepaidbalance.com from debit card) per day $1,000.00
  14. Online account reload fee (via myprepaidbalance.com) $10.00
  15. Expiration date is the date listed on the card (cannot be sold 9 months prior to expiration date)
  16. Cardholder may access card at ATM after PIN number has been assigned by calling the Customer Service number listed on back of card
  17. Maximum ATM withdrawal or OTC cash withdrawal ~ 3 times daily or $1500 max
  18. $0.50 ATM balance inquiry fee
  19. $1.50 domestic ATM fee
  20. $5.00 OTC Cash Advance Fee
  21. $3.00 International ATM fee
  22. $.50 Point of Sale PIN purchase
  23. $2.95 inactivity fee after 12 consecutive months of inactivity
  24. Card can be used at restaurant, hotels, and rental agencies but some service-oriented merchants automatically factor in an additional 35% for additional expenses (i.e. tip or additional charges). Cardholder should verify funds prior to using to avoid being declined
  25. Card can be used at a gas station but it is recommended that the card be used at the register to prevent an over-authorization at the pump that would cause the card to be declined
  26. Cardholder can be used as a split transaction but should verify amount on card first and then inform merchant they need it split prior to beginning the transaction
  27. Expiration date is shown on card
  28. Can be used in foreign country excluding OFAC sanctioned countries
  29. 3% foreign exchange markup

Reloadable Youth Cards

  1. ​$20 initial load plus purchase fee of $5.00.
  2. Must be 18 to purchase.
  3. Card registered to purchaser
  4. Minimum load $20 ~ Maximum load $3,000 ~ Maximum balance $10,000.00
  5. Maximum daily direct deposit $5,000.00
  6. Reloads 2 times per day ~ 4 times per week ~ 10 times per month
  7. Maximum daily POS signature spend $2,500.00 ~ Maximum daily PIN spend $2,500.00
  8. Maximum online account reload per day $1,000.00 (via myprepaidbalance.com from debit card)
  9. Online account reload fee $10.00 (via myprepaidbalance.com)
  10. Instant issue - life of the card 3 reloads
  11. Personalized reloads - life of the card 3 reloads
  12. $3.00 monthly fee ~ $0 with direct deposit
  13. $3.00 fee each time card is reloaded in branch
  14. $5.00 replacement fee if card is lost or stolen
  15. $5.00 OTC Cash Advance Fee
  16. Expiration date for instant issue card is the date on the card
  17. Personalized card is generated after one reload and should arrive in 7-10 days. Instant issue can be used an additional 3 times while waiting for personalized card
  18. Personalized card will come embossed in youth's name
  19. Cardholder may call customer service to request a replacement card for no charge. If there is a balance on the card and it has been used within the last 30 days the card will automatically be sent to them.
  20. Cardholder may access card at ATM after PIN number has been assigned by calling the Customer Service number listed on back of card
  21. Maximum ATM withdrawal ~ 3 times daily $500 max
  22. $0.50 ATM balance inquiry fee
  23. $1.50 domestic ATM fee
  24. $3.00 International ATM fee
  25. $.50 Point of Sale PIN purchase
  26. Card can be used at restaurant, hotels, and rental agencies but some service-oriented merchants automatically factor in an additional 35% for additional expenses (i.e. tip or additional charges). Cardholder should verify funds prior to using to avoid being declined
  27. Card can be used at a gas station but it is recommended that the card be used at the register to prevent an over-authorization at the pump that would cause the card to be declined
  28. Card can be used as a split transaction but should verify amount on card first and then ask merchant if they can do a split payment prior to beginning the transaction
  29. Expiration date is shown on card
  30. Can be used in foreign country excluding OFAC sanctioned countries
  31. 3% foreign exchange markup
Card is issued by MetaBank®, Member FDIC, pursuant to a license from Visa U.S.A. Inc