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Travel ACCESS Prepaid Cards FAQ

How does an ACCESS Travel Card work?
It's a reloadable prepaid Visa debit card, which means you can spend up to the value placed on the card anywhere Visa debit cards are accepted. You can shop in stores, online, over the phone, and by mail order. You can get cash at ATMs worldwide. Each time you make a purchase, the amount of that purchase is automatically deducted from the card.

How do I know the balance on my Travel card?
You can check your balance clicking here, by calling your local branch, or by calling customer support at 866-760-3156. Since a merchant may not be able to tell how much money is on the card, keeping track of your balance is a sure way to know how much you have to spend.

Where can my ACCESS Travel Card be used?
Your card can be used to make purchases at millions of Visa debit locations worldwide and to obtain cash at ATMs worldwide.

Why would I use an ACCESS Travel Card instead of traveler checks?
Unlike traveler checks, the Travel Card can be loaded unlimited times with funds via this website or the toll-free phone number on the back of your card, plus it can be used for ATM access to get cash in local currencies worldwide. Transactions are automatically tracked and can be reviewed online or by phone.

Are there any transaction or reload limits?
Purchase transactions are limited to 6 per day with a maximum of $2,500 daily. ATM withdrawals are limited to 3 per day with a minimum amount of $20 and a maximum of $500. To learn more about the current limits, please reference your terms and conditions.

Who can order or use the card?
Our ACCESS Prepaid Card can be purchased by any ACU of Texas member. The individual purchasing the card is defined as the primary cardholder. The address listed for the primary cardholder must match the billing address for the debit/credit card used to purchase the Travel Card. Primary cardholders can order online up to four personalized secondary cards for family members or traveling companions. When purchasing a secondary card for a young person with no card experience, be sure to go over all of the materials that accompany the card.

Can I purchase an ACCESS Travel Card as a gift or give to a teen to use while traveling?
No, ACCESS Travel Cards cannot be given as a gift. Just like travelers checks, you purchase the Visa Travel Card for your own personal use. However, if higher spending/loading limits are necessary, parents can purchase a personalized, primary Visa Travel Card for themselves and order a personalized secondary card for their teen. Only the parent can load value to the card.

How do I get an ACCESS Travel Card?
You can order personalized Travel Cards directly at this site or in your local branch.

Does the cardholder need to sign an agreement?
Each card is distributed with terms & conditions. This document fully explains the terms and conditions regarding the use of the card. This document can also be viewed online. The cardholder accepts the terms and conditions by signing the back of the card, using the card, or receiving the card by request.

How do I activate my ACCESS Travel Card and obtain my PIN?
Personalized cards can be activated by logging into this site and clicking on the Activate Card button, or, by calling the customer support number listed on the back of your card. Over the phone, an assigned PIN will be automatically spoken after your card is activated and you'll be given the opportunity to select a new PIN if you choose.

What happens if I need to return an item?
Each merchant location has its own return policies and will handle the returns in the same manner as any other Visa transaction and may take up to seven business days to be credited to your Travel Card. They may credit your Travel Card; provide a cash refund, or a store credit.

What if the purchase is denied?
If a decline occurs, the card's available balance is probably less than the purchase amount. You may inform the merchant of the remaining balance on the card and use another form of payment to pay the difference, subject to the policy of the merchant. Also, please be aware that some merchants - for example, restaurants, car rental agencies, salons, mail-order companies, and cruise lines - preauthorize for an amount slightly higher than your actual transaction to ensure sufficient funds for tips or incidental expenses. This amount is "held" until the transaction settles to your Travel Card. Only the amount you sign for will ultimately be deducted from your card. Use of the card at automated fuel dispensers requires a minimum balance of $75. Again, only the actual amount spent will ultimately be deducted from the card.

How can I load and reload my ACCESS Travel Prepaid Card?
The card can be reloaded unlimited times. To load or reload using the credit or debit card registered during enrollment, primary cardholders can visit the website, call the number listed on the back of their card, or visit your local branch. Any applicable fee for reloading via the website or by phone will be charged to your funding source, along with the value being added to your card. Cash advances may NOT be used to load or reload your card.

Why might my initial load or reload be declined?
Possible reasons your initial load or reload might be declined include: the name/address on file with the debit/credit card issuer does not match the primary cardholder profile on the ACCESS Travel Card website, the debit/credit card expiration date or three digit code listed on the website is incorrect, or the load limit or other applicable limits have been exceeded. First, verify your funding source information and the total number of reloads performed to date. If this does not resolve the issue, call the toll free number on the back of your card to discuss other limits that may have been exceeded.

Can the card ever have a negative balance?
Any authorization request that is greater than the card's available balance will be declined. However, there can be times when a Visa merchant puts an item through without prior authorization. If an overdraft occurs, the cardholder will be required to either reload funds onto the card or make a payment to Cardholder Services to cover the negative amount.

How do I find an ATM when I travel - especially overseas?
Visit our website at or use the ATM locator found at for participating Visa ATMs and for participating STAR ATMs.

What is the exchange rate when I get to another country?
The exchange rate is determined by the rate of exchange on the date of purchase. Using your Travel Card at an ATM can be less expensive than using a currency exchange to get foreign currency.

When I travel, are my receipts in U.S. dollars or the local currency?
Your receipt will reflect the local currency. It is always good to plan ahead and have a general idea of what the local exchange rates are before you travel. This helps you to understand what goods and services are actually costing you.

What happens if my ACCESS Travel Card is lost or stolen?
We provide 24-hour toll-free support. Immediately report any problems or a lost or stolen card by calling 866-760-3156. A replacement card can be issued and any available balance transferred to a new card, less applicable fees that will be deducted from the card's available balance. Replacement cards are generally received in 7-10 business days. Emergency card replacement can also be requested with guaranteed delivery within the next business day, or sooner in some cases.

See the Terms & Conditions for fees that apply to lost or stolen cards and emergency card replacement. As long as the lost or stolen card is reported immediately, you will not be responsible for any unauthorized merchant charges, provided such transactions took place on the Visa® Network. For all other unauthorized merchant transactions, you may be liable for up to $50. If traveling internationally or far from home, a secondary card should be considered. That way, if the primary card is lost or stolen, the secondary card can immediately be used to access the funds without having to wait for a replacement card.

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