Terms & Conditions

Important Disclosures

The following are your CEFCU (Citizens Equity First Credit Union) Gift Card Terms and Conditions. " Agreement" means these Non-Reloadable Card Terms and Conditions. "We", "us", and " our" refer to CEFCU (hereafter referred to as CEFCU). "You" and "your" refer to the person who has obtained a Card from us. "Card" means the primary Gift Card obtained from us. Please read the following carefully and keep them for your records. Upon receipt, the Gift Card should be signed immediately. By accepting and using your Card, you are agreeing to these important Disclosures and the Terms and Conditions.

Agreement; Amendments

We agree to maintain the Card for you and to perform according to this Agreement. By obtaining a Card from us, and by using the Card, or by permitting anyone else to use the Card, you agree to the provisions of this Agreement, which is subject to amendment, and further agree that this Agreement is binding on your successors, representatives and assigns. We may from time to time adopt new or amended provisions, which will be effective after notice has been posted on our website or as otherwise permitted by law. Provisions changed pursuant to regulatory authorities shall be effective per such regulation without further notice. You must be a resident of the United States to purchase this Card.

Card Activation

Cards purchased within the Member Centers are activated upon purchase. Please sign the back of the Card before you use it. To use your CEFCU Gift Card to make online purchases, you must register your Card at https://mygiftcardaccount.pscufs.com/.

Returned or Exchanged Merchandise

If you have an issue with merchandise or a service purchased with your Card, you must work with the merchant from whom you made the purchase to resolve the issue, and you are subject to the merchant's return policies.

Replacement of a Lost/Stolen Card or Unauthorized Use

If you have registered your Card and your Card has been lost or stolen or has been used for unauthorized transactions, immediately call 1.866.902.6082.

Viewing Your Card Balance and Transaction History Information

For free access to your Card information 24 hours a day/7 days a week, visit https://mygiftcardaccount.pscufs.com/.

Using Your Card

Your CEFCU Gift Card is issued by CEFCU and may be used for purchases at most merchants where CEFCU Debit is accepted. The Card may not be used at some merchants including recurring payments, non-financial money exchange establishments, and gambling establishments. Some merchants — like restaurants, hotels, or rental car agencies — may attempt to submit authorizations against the Card for an amount greater than the actual purchase amount. If a merchant attempts an authorization greater than the balance remaining on your Gift Card, it may be declined.

This CEFCU Gift Card is not a credit card. You may only use it when there is a balance remaining on the Card and only up to the amount left on the Card. Purchases will be deducted from your Gift Card until the value reaches zero. If you are given value through the use of the Card greater than the balance remaining, you will pay us on demand the amount by which your transactions exceeded the balance remaining on the Card. Your identification information provided during purchase and/or registration of the Card will be utilized to aid the collection of a card balance shortage. As well, you authorize CEFCU to debit your account for any amount owed.

To make a purchase greater than the balance on your Card, you will need to use a second payment method — cash, check, credit, or debit card — to cover the difference. When making your purchase, tell the cashier in advance how much to deduct from your Card and how much you will pay with the second payment method.

The CEFCU Gift Card is non-reloadable and cannot be reused. There will be a $5.00 inactivity fee for each month there is a balance remaining on the Card. This fee is waived for months your Card is active and begins on the 13th month after 12 consecutive months of inactivity, based on the date you purchased your Card.

Foreign Exchange

If a Card transaction is made in a currency other than that loaded on the Card, the amount will be converted into the appropriate currency at an exchange rate on the day the transaction is processed. The exchange rate used to determine the transaction amount in U.S. dollars is either a rate selected from MasterCard from the range of rates available in wholesale currency markets for the applicable central processing date, which rate may vary from the rate MasterCard itself receives, or the government mandated rate in effect for the applicable processing date, plus 1 percent.

Right to Restrict Access

We may restrict access to the Card, temporarily or permanently, if we notice suspicious activity in connection with the Card, and we will notify you if we do so. We have no liability for restricting access to the Card because of suspected suspicious activity.

Right to Revoke Card

The Card is the property of CEFCU and we may revoke the Card at any time without cause or notice. You agree to surrender a revoked Card promptly upon demand.

Liability for Failure to Complete Transactions

CEFCU will NOT be liable for a transaction failure caused because you do not have enough money on your Card to complete the transaction, if the merchant terminal is not working properly, or if circumstances beyond our control (such as fire or flood) prevent the completion of the transaction.

Disclosure of Information to Third Parties

CEFCU will disclose information to third parties about your Card and the transactions you make where it is necessary for completing transactions, in order to comply with lawfully issued subpoenas, summonses, warrants, or court orders, in order to assist appropriate law enforcement agencies investigations when CEFCU reasonably believes it has been the victim of a crime or if you give us your written permission.

Gift Card Fees and Charges

Fee Type Amount
Card Purchase Fee $3.95
Inactivity Fee (for each month there is a balance on the Card**) $5.00
Card Replacement (Lost/Stolen)/ Card Reissue (Damaged) $10.00 (per Card)
Card Load Amounts $20 – $500

**Begins on the 13th month after 12 consecutive months of inactivity, based on the date you purchased your card.

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