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Frequently Asked Questions

Gift Cards

General Questions

What is a Visa Gift Card?
The First Citizens Visa Gift Card is a prepaid card - not a credit card. You determine how much money you want to put on the card at the time of purchase. You can buy a Visa Gift Card for yourself or for someone else. Once you have purchased a Visa Gift Card, the cardholder can use it to make purchases anywhere Visa Debit Cards are accepted.
How is my Visa Gift Card different than a store gift card or gift certificate?
Unlike store gift cards or gift certificates, the Visa Gift Card enables you to choose where you spend the money on your card. You are not limited to just one store. You can use it at any store or online retailer that accepts Visa Debit Cards.
When can someone begin using the card?
The First Citizens Visa Gift Card is active and may be used in stores beginning on the first business day following the day on which the card was purchased. In order to use it for online purchases, it must first be activated online.

Buying A Visa Gift Card

How much money can I put on a Visa Gift Card?
Between $25.00 and $500 in $5 increments.
How many cards can I purchase?
There is no limit for the number of Visa Gift Cards you can purchase; single cards can be purchased at most First Citizens branches. Businesses ordering a minimum of 20 cards can also buy gift cards online.
How do I buy a Visa Gift Card?
You can purchase a Visa Gift Cards at most First Citizens branches. Businesses ordering a minimum of 20 cards can also buy gift cards online.
What payment method can I use to buy a Visa Gift Card?
We can debit your account or you can use cash or a check drawn on us to purchase Visa Gift Cards at our First Citizens branches.
Will I be charged a fee for purchasing a Visa Gift Card?
Yes, there is a small fee for purchasing a Visa Gift Card. All fees related to the card are outlined in the Cardholder Agreement, which is also provided with your card.
How long will it take to receive a Visa Gift Card?
If purchased at a First Citizens branch, Visa Gift Cards are given to you at the time of purchase. For large company orders and online purchases, delivery takes 5 to 7 business days.
Do I need to activate my Visa Gift Card?
Your card is active and ready for use in-store beginning on the first business day after the day on which the card was purchased. However, to use your card for online purchases, you must activate it online. To do so, you will need the Visa Gift Card account number and the CVV code (3 digits on the back of the card). You will be prompted to create a Password and enter a valid address.

Using My Visa Gift Card

If my Visa Gift Card doesn't have my name on it, do I still sign my name on the receipt?
Yes, even though your Visa Gift Card doesn’t have your name on the front, you should still sign your name on the receipt when you make purchases. Make sure you sign the back of your card, so that retailers can validate your identity by comparing your signature on the receipt with the one on your Visa Gift Card.
Do I have to accept the Cardholder Agreement?
Purchasing or using your Visa Gift Card signifies that you accept the Cardholder Agreement.
How will I know the original amount of my Visa Gift Card?
The purchaser of your gift card should inform you of the amount loaded on the card. You can also check your balance by logging into this website or calling 1.866.594.6438.
I received a Visa Gift Card as a gift from someone. Why should I activate my card?
Activating your card has several benefits:
  • Activation enables you to make purchases online. Most online retailers do not accept payments without a valid "billing" address. The address you provide during activation will serve as the "billing" address that retailers require.
  • It enables Customer Service Representatives to more quickly assist you when you need assistance.
  • It helps protect you if your card is ever lost or stolen.
Can I change my address and telephone number after I have received my Visa Gift Card?
Yes, the recipient can change their address or telephone number online or by calling a Customer Service Representatives at 1.866.594.6438.
Can I make purchases for more than the amount remaining on my Visa Gift Card?
Your Visa Gift Card is a prepaid card and can only be used up to the amount on the card. However, for purchases that are higher than your Visa Gift Card balance, you can use your Visa Gift Card along with another form of payment. If you attempt to make a purchase for more than the amount available on the card without another form of payment to pay the difference, the transaction will be declined.
Can I use my Visa Gift Card online?
Yes, you can use your Visa Gift Card to make purchases online. To do so, you must first activate your card. To activate your card, you will need the Visa Gift Card account number and the CVV code (3 digits on the back of the card). You will be prompted to create a Password and enter a valid address, as some retailers will not process your purchase without a valid address associated with the card.
Can I use my Visa Gift Card to get cash at a First Citizens branch or at an ATM?
No, you can only use your Visa Gift Card for retail or online purchases wherever Visa Debit Cards are accepted.
How can I check the balance on my Visa Gift Card?
To check the balance of your Visa Gift Card, sign into this website or call 1.866.594.6438.
What should I do if my Visa Gift Card is lost or stolen?
If your card is lost or stolen, immediately contact Customer Service at 1.866.594.6438 to report it.
How long can I use my Visa Gift Card?
Your Visa Gift Card expiration date is embossed on the front of your card. You can use your card through the end of the month within the year it expires. Any balance on First Citizens Visa Gift Cards will expire 5 years from the date money was last added to the card.
What do I do if I have a remaining balance on an expired Visa Gift Card?
You should use all the funds on the card as soon as possible. Funds remaining on an expired card are not refundable and may become escheatable to the applicable state.
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