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Frequently Asked Questions

Gift Cards

General Questions

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.
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.
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, Opens in a new tab online.

Buying A Visa Gift Card

Between $25.00 and $500 in $5 increments.
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.
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, Opens in a new tab.
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.
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.
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.
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, Opens in a new tab. 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

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.
Purchasing or using your Visa Gift Card signifies that you accept the Cardholder Agreement.
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, Opens in a new tab or calling 1.866.594.6438.
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.
Yes, the recipient can change their address or telephone number online, Opens in a new tab or by calling a Customer Service Representatives at 1.866.594.6438.
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.
Yes, you can use your Visa Gift Card to make purchases online. To do so, you must first activate, Opens in a new tab 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.
No, you can only use your Visa Gift Card for retail or online purchases wherever Visa Debit Cards are accepted.
To check the balance of your Visa Gift Card, sign into this website, Opens in a new tab or call 1.866.594.6438.
If your card is lost or stolen, immediately contact Customer Service at 1.866.594.6438 to report it.
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.
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.