Pre-Paid Card FAQs

Visit your nearest TCU Service Center to buy and load your TCU Pre-Paid Reloadable Visa® card with cash or funds from your TCU account. The card costs $7, and there is a $3 fee to load funds (waived if you set up your pre-paid card with direct deposit). We will provide you with a temporary card (good for three reloads) you can use until your personalized card arrives in the mail.

Use your card anywhere Visa® debit cards are accepted, including ATMs displaying the Visa® mark. You can also use your card for online and telephone purchases from merchants who accept Visa® debit cards.

You can use your card for both signature and PIN-based transactions. Keep in mind there is a daily spend limit of $2,500 each for signature and PIN transactions (for a daily total spend limit of $5,000), and a daily withdrawal limit of $1,000 (see below for more information on using your card to get cash). Note: These options are all subject to transaction fees. Please see your Terms and Conditions for a complete listing of the associated fees.

Call customer service at the phone number provided on the back of your card. Note: There may be a delay from the time you set your PIN and when it becomes active. Remember, your PIN is not the same as your phone pass code (see below). If you have trouble using your PIN, call customer service to verify you have setup your PIN correctly.

When calling customer service at the number on the back of your card, you will be prompted to set up a phone pass code. This is a security code that helps verify your identity whenever you call back into the automated system.

You can reset your PIN by calling customer service at the number on the back of your card. You will need to speak with an agent, who will ask you questions to verify your identity and then help you reset your PIN.

You can change your PIN by calling customer service at the number on the back of your card and following the prompts on the automated system.

You can get cash at any ATM displaying the Visa® logo or any of the logos appearing on the back of your card. Simply select "checking" as the account type when prompted. Many merchants also allow you to request cash back when your purchase is a PIN-based transaction. You can also visit your nearest TCU Service Center or other financial institution that accepts Visa® debit and make an over-the-counter cash withdrawal. Note: These options are subject to transaction fees. Please reference your Terms and Conditions for the associated fees.

The total daily cash access limit is $1,000 per day via: 1) up to three ATM withdrawals per day (not to exceed a total of $500); and 2) a combination of up to three PIN-based or over-the-counter transactions per day (also not to exceed $500).

To reload your card: 1) visit any TCU Service Center; or 2) visit gocardservices.com​ for more options (including direct deposit). You can reload your card up to twice a day for as long as you have your pre-paid account. For more information on direct deposit, please visit your nearest TCU Service Center.

Since this is a pre-paid card, you can only use the amount of funds you have available on your card. If you create a negative balance on your card, you are responsible for the negative balance. Some merchants can run a split-tender transaction (see below), which allows you to pay a portion of your purchase with your card and the remaining balance with another form of payment.

The merchant may have attempted to process the purchase for a greater amount than what is available on the card. If this happens, you should ask the merchant to run a split-tender transaction (see below), which allows you to pay a portion of your purchase with your card and the remaining balance with another form of payment.

Depending on the merchant's policy, you may be able to apply the balance on your card toward a portion of the purchase price, and then use another form of payment to pay the remaining balance. This is called a “split-tender” transaction because you would be splitting the final transaction amount between your card and another form of payment. Before you request a split tender transaction, you will need to know the available balance on your card. Then, you must ask the merchant if they accept more than one form of payment for a single purchase. If so, request the card value be used as the first form of payment, and then pay the remaining balance with whatever additional form of payment they will accept. Some retailers will only allow a split-tender transaction if the second form of payment is cash or check. Online and most mail-order merchants do not permit split-tender transactions, and we cannot guarantee any specific merchant will accept multiple forms of payment.

Yes. However, keep in mind that it’s common for service-oriented merchants to automatically factor in an additional percentage (often up to 20% over the purchase price) to cover any gratuity you may choose to leave using your card. Before paying with your card at a restaurant or similar business where gratuities are customary, make sure your card's available balance is at least 20% greater than your total bill, or ask if they will accept a split-tender transaction.

Like restaurants and other service-oriented merchants, hotels and car rental agencies may automatically factor in an additional percentage to cover incidental charges you might incur. The additional amount varies by merchant. To prevent your card from being declined, we suggest you check with the company about their policy when making your reservation.

You can use your card at automatic fuel dispensers. However, Visa® sets a $75 limit on such purchases. This limit could remain on your card for several days. To prevent any potential card declines, we suggest that you pay for fuel inside the service station.

Your current balance and a list of all your transactions are available at gocardservices.com, or by calling customer service at the number on the back of your card. To receive your transaction history online, you must first create a profile and add your card to it. Note: the website will only display completed transactions, not pending ones.

If your card has been lost or stolen, contact customer service at 800-827-6557. We recommend that you keep the phone number in a safe place for future reference. You will be able to speak to an agent and request a replacement card. Your account will be assessed a $5 replacement fee.

If you notice transactions on your account that you didn’t make, contact customer service immediately at the number on the back of your card. They will follow their standard dispute procedure and investigate the fraudulent transaction.

Cost of card: $7 (initial one-time fee) 
Reload fee: $3 (waived for funds loaded via direct deposit) 
Monthly fee: $4.95 (waived in any month that you load funds to your card) 
Card Replacement Fee: $5

Transaction Fees: Please refer to your Terms and Conditions for any additional fees associated with specific transaction types.

You must be 18 years or older to buy a Reloadable Card.

Yes, your card will be accepted worldwide, except for OFAC-sanctioned or otherwise prohibited countries. You can find the list of current sanctioned/prohibited countries at gocardservices.com/prohibitedcountries.