First Federal Savings Bank of Twin Falls

The DeluxeCardTM Visa® prepaid card is a quick purchase for you and ideal for anyone on your gift list. It's welcomed worldwide at more than 19 million merchants that accept Visa debit cards, and can be used to make purchases online, by phone or in person. DeluxeCard prepaid cards come in a variety of designs that are perfect for any occasion. There's even an everyday card that's secure for travel and convenient for smart budgeting.

How does it work? A DeluxeCard prepaid card looks like a credit card. The front of the card displays the name of the purchaser or gift recipient, the Visa Brand logo, an individual account number and an expiration date. The back includes a magnetic strip. Unlike a credit card, however, the DeluxeCard prepaid card may only be used for the amount loaded on the card.

Purchasers or gift recipients can use the card as many times as they like for a full year, up to the amount stored on the card. As the card is used, the amount of each purchase is automatically deducted from the card's available balance. If the card is lost or stolen with a balance remaining, the user can cancel the card and order a replacement for a nominal fee.

How much does it cost? DeluxeCard prepaid cards can be purchased in dollar amounts from $25 to $500. In addition, there is a processing fee of $5.95 for dollar amounts from $25 to $250, and $7.95 for dollar amounts from $251 to $500.

What are DeluxeCard prepaid cards?
DeluxeCard Visa prepaid cards are stored value cards that come in dollar amounts from $25 to $500. The non-reloadable cards have a processing fee of $5.95 for dollar amounts from $25 to $250, and $7.95 for dollar amounts from $251 to $500. They can be used worldwide anywhere Visa debit cards are accepted.

What can the DeluxeCard prepaid cards be used for?
DeluxeCard prepaid cards can be purchased for gifts, and can also be used for corporate incentives, travel spending and budgeting. The cards cannot be used at ATMs, or like credit cards for purchases on credit.

How do I purchase DeluxeCard prepaid cards?
The cards can be purchased by calling 1-866-874-9029 ($4.00 service fee per card applies), or online through our Web site. You choose a card design, a dollar value, and select a personal message to be imprinted on the card. Then choose to have the card sent to you or to a gift recipient. For security reasons, each DeluxeCard prepaid card must be activated by the gift recipient by calling 1-866-874-9029, or by visiting www.deluxe-card.com.

Can I use my DeluxeCard prepaid card at more than one merchant?
Absolutely. As long as there are funds remaining on your DeluxeCard prepaid card, and the merchant accepts Visa debit cards.

Can I use the DeluxeCard prepaid card for online purchases?
Yes! You can use the DeluxeCard prepaid card anywhere Visa debit cards are accepted - in stores and online.

What happens if I spend all the funds on my DeluxeCard prepaid card?
Your DeluxeCard prepaid card will no longer be accepted as a valid form of payment. At this time, you can discard the card or keep it as a special reminder of the person who gave it to you.

What happens if I lose my DeluxeCard prepaid card?
If a card is lost, DeluxeCard Customer Service will close the account and promptly issue a new card with the remaining balance of the lost card. There is a $15 fee for this service.

How long does it take to receive a DeluxeCard prepaid card?
After a DeluxeCard order is submitted, it is immediately processed and produced within one to three business days. Next, it is sent to you via First Class mail. You'll receive your DeluxeCard order in the average number of days it takes the U.S. Postal Service to deliver mail from the DeluxeCard issuance facility located in California to the final destination. Deluxe Financial Services cannot guarantee or expedite the delivery of the U.S. Postal Service.

Note: DeluxeCard Express Delivery, which delivers your order within two business days after you submit it, is available for an additional $15.

Who do I contact with questions about my DeluxeCard prepaid card?
For DeluxeCard prepaid card information, call DeluxeCard Customer Service toll-free at 1-866-874-9029 or visit the "Contact Us" section of Deluxe Card Web Site (www.deluxe-card.com).

Why do I need to provide my social security number?
We collect your social security number when you place an order and use it to help prevent credit card fraud. It is one way we ensure that only you can use your credit card to order a DeluxeCard. Your personal information is encrypted and protected.

How is my information protected?
Security is an important feature for us, as it is for you. To protect your private information on the Internet, we use strong data encryption processes to protect the security of every order you place using this site. To protect your account information and transactions, we electronically verify information when you access this site. We use the social security number for security purposes only.

How do I use my DeluxeCard prepaid card at restaurants?
You are encouraged to use your DeluxeCard prepaid cards at restaurants that accept Visa debit cards. For authorization purposes only, a 20% gratuity is automatically added to your food bill. In addition, some restaurants have pre-programmed their own card terminals to authorize a gratuity (usually 15-20% of the food bill). Both additions are for authorization purposes and you will only be charged for the gratuity you designate on the receipt.

Can I use my DeluxeCard prepaid card to "pay at the pump" at gas stations?
"Pay at the pump" card terminals immediately verify that there are enough funds on a prepaid card to complete a transaction for an "average purchase of gas," or $50. If your card does not have enough money to pay for this amount, it will be declined by the "pay at the pump" card terminal. If your remaining balance is less than $50 and you would like to spend it on a fuel purchase, we recommend that you pay for your purchase at the merchants' cash register.*

What if my purchase exceeds the value on my DeluxeCard prepaid card?
To make a purchase that is more than the available balance on your card, you may use another payment method to share the expense of your purchase. This is called a split transaction. Simply use your DeluxeCard prepaid card to pay for a portion of the purchase amount and a second payment method - check, cash, or credit card - for the remainder.

Please note that split transactions are subject to individual merchant policies. When making your purchase, remember to tell the merchant the dollar value on your DeluxeCard prepaid card. (You can easily verify this via the DeluxeCard Web site, www.deluxe-card.com, or DeluxeCard Customer Service (866) 874-9029.) The merchant will not be able to provide you this information. If you attempt to make a transaction for more than the balance on your DeluxeCard prepaid card, the transaction will be declined.*

What should I do if my DeluxeCard prepaid card is declined?
If you experience any problems using your card, please contact DeluxeCard Customer Service 24 hours a day, 7 days a week by calling toll free (866) 874-9029 or clicking "Contact Us" on the DeluxeCard Web site (www.deluxe-card.com).

How do I activate my DeluxeCard prepaid card?
Activating your DeluxeCard prepaid card is convenient via a toll free phone number or the DeluxeCard Web site. To activate by phone, simply call toll free (866) 874-9020. To activate online, enter your DeluxeCard account number and special three digit code found on the back of your card on the DeluxeCard home page under "Returning Cardholders." Then click "Activate" from the Account Activities section to complete the activation.

Can I add a personal message?
You can make your DeluxeCard prepaid card extra special by adding one of the following personal messages. It will be imprinted right on the card.

Can I purchase a DeluxeCard prepaid card at my financial institution's banking center?
Unfortunately, DeluxeCard prepaid cards are only available to purchase online.

Why the difference in price between cards with values of $25-250 and with $251-500 values?
Typically it takes a longer time, and requires more transactions, for DeluxeCard recipients to spend cards with higher dollar values. In turn, there are greater processing fees to support increased customer service needs for these card users.

Can I send a DeluxeCard prepaid card to anyone in the United States?
Yes. The card can be delivered to anyone within the United States, including those in Alaska and Hawaii. The cards cannot be sent, however, to post office boxes, APO or FPO addresses, or international addresses.

How will the card look when my recipient gets it?
DeluxeCard prepaid cards arrive to the recipient in a special, privacy-protecting envelope that contains the card and a card carrier that features the names of the purchaser and recipient, dollar value and designated personal message. It also includes usage instructions and terms and conditions.

What should I do if my recipient doesn't receive his or her DeluxeCard prepaid card?
If the card has not arrived at the recipient's address via U.S. Postal Service within 10 business days, please call DeluxeCard Customer Service toll free at (866) 874-9029 to verify your order. Remember to have your order number and the credit card or debit card number used to purchase the DeluxeCard prepaid card handy. Lastly, confirm that the recipient information provided is accurate.

How will I know the original value of my DeluxeCard prepaid card?
The purchaser has the option of having the dollar value embossed on the front of the card. It is also featured on the card carrier the recipient receives with the card in the mail.

How can I check my available balance?
Your DeluxeCard available balance can be verified by clicking on "My Account" on www.deluxe-card.com or by calling DeluxeCard Customer Service toll free at (866) 874-9029. Be sure to have your 16-digit DeluxeCard account number ready to access this information.

Can I add more money to my card?
DeluxeCard prepaid cards are not reloadable. You can order a new card by visiting www.deluxe-card.com or by calling toll free (866) 874-9029.

What happens if I have a remaining balance when my DeluxeCard prepaid card expires?
Cards are good for one year from date of issuance. If a balance remains on the card after six months, a monthly maintenance fee of $2.50 will be charged to maintain that balance.

How long can I use my card?
Your DeluxeCard prepaid card expires 12 months from the date of issue - look for the expiration date right on the card. A monthly maintenance fee of $2.50 is waived for the first six months after the date of issuance. If you don't use the full amount on the card within 12 months, you may call toll free (866) 874-9029 to have a new card issued with this balance on it for $15.

What if I have a remaining balance after my card expires?
For a $15 reissue fee, a new DeluxeCard prepaid card will be sent to you.