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Frequently Asked Questions

What is the Visa Gift Card?
How can I check the balance on my Gift Card?
How can I use my Gift Card?
What should I do when the merchant?s sales terminal asks me to press ?Debit? or ?Credit??
When I swipe my card, the terminal asks me input my PIN. What is my PIN?
What if the item I want to purchase exceeds the value of my Gift Card?
What do I do if I need to return an item?
What happens when the funds are spent?
What should I do if my Visa Gift Card is lost or stolen?

What is the Visa Gift Card?
Your Lake Michigan CU Visa Gift Card is a prepaid Visa Debit Card with a specific dollar value. Your Visa Gift Card and its value are accepted at most places Visa Debit is accepted.[back to top]

How can I check the balance on my Gift Card?
Call the number on the back of your card for balances and transaction history or visit www.lmcu.org.[back to top]

How can I use my Gift Card?
You can use your Lake Michigan CU Visa Gift Card at most places Visa Debit is accepted. See Terms and Conditions for further information.[back to top]

What should I do when the merchant?s sales terminal asks me to press ?Debit? or ?Credit??
You should always press the ?Credit? button. Although the Visa Gift Card is not a credit card, the transaction is processed like one. You should always sign a sales receipt.[back to top]

When I swipe my card, the terminal asks me input my PIN. What is my PIN?
A Personal Identification Number (PIN) is not issued with the Lake Michigan CU Visa Gift Card. If a PIN is requested, simply press ?Cancel? on the terminal, then select ?Credit? to complete your transaction.[back to top]

What if the item I want to purchase exceeds the value of my Gift Card?
If the purchase amount exceeds the available card balance, then you must inform the merchant of the amount you want to pay with the Visa Gift Card and that you will pay the difference in cash, check, credit or debit card. If the purchase amount exceeds the available balance of the Visa Gift Card, the transaction will not be approved.[back to top]

What do I do if I need to return an item?
In the event you need to return an item you purchased with your Visa Gift Card, the merchant will handle the item in accordance with Visa guidelines. The merchant may credit your card (put the funds back on the card) thereby increasing your available funds.[back to top]

What happens when the funds are spent?
When you have depleted all the funds on the card and no returns are necessary, simply destroy and discard the card.[back to top]

What should I do if my Visa Gift Card is lost or stolen?
Contact Lake Michigan CU Visa Gift Card Center immediately at 1-866-902-6082. Additionally, read the Lake Michigan CU Visa Gift Card Center Terms and Conditions contained in this cardholder for important Visa Gift Card information.[back to top]