True to Your Money

FAQs - Visa Check Cards and Gift Cards

Search Visa Check Cards and Gift Cards FAQs


Visa Gift Card

Q: Is my gift card a credit card?

A:

No, your gift card is a pre-paid debit card. You can only spend the funds available on the gift card. Once those funds are gone, the gift card is no longer usable.

Q: Is my gift card like my checking account debit card?

A:

Yes and no – it is like a checking account debit card because you can spend the available funds like you can spend funds in your checking account. It is unlike a checking account debit card in that you do not have a bank account associated with the gift card and it cannot be used at an automated teller machine (ATM).

Q: Do I need to activate my gift card?

A:

Yes, you do need to activate your gift card. You must activate your gift card by calling 800.710.4795 and selecting your PIN. The gift card cannot be used until it has been activated. By accepting and using the card, you are agreeing to the terms set forth in the gift card terms of use.

Q: How can I find out my gift card balance?

A:

You can check available balance and transaction history by visiting our Gift Card page and selecting "Check the Remaining Balance on your Gift Card" link or calling 800.710.4795 for assistance.

Q: Does my gift card have any dormancy or inactivity fees?

A:

A $5.00 monthly fee will be assessed after 12 consecutive months of inactivity.

Q: What is my gift card PIN?

A:

The PIN number for your gift card is the three-digit code found on the back of the gift card on the signature strip.

Q: How much does it cost to purchase a gift card?

A:

There is a $3.00 purchase fee for each gift card.

Q: How do I use my gift card to make a purchase?

A:

Use your gift card to make a purchase exactly like a credit card. You must select a PIN to activate your card; however, your gift card does not require a PIN to complete a transaction. You can select a PIN by calling 800.710.4795, after which you can use your PIN during a transaction instead of your signature. By accepting and using your gift card, you are agreeing to the terms set forth in the gift card terms of use.

Q: Does my gift card have a security code?

A:

Yes, the three digit security code can be found embossed on the back of the gift card at the end of the signature panel. This security code can be used in combination with the 16-digit card number to check your balance and transaction history online.

Q: Does my gift card have a PIN?

A:

Yes, you must call 800.710.4795 to select your four digit PIN. You'll need the 16-digit card number and the three-digit CW2/CVC2 security code from the back of your card in order to select your PIN. It is important to note that the PIN is not necessary to complete a transaction (a signature can be used) and does not enable the card to be used at an ATM or for cash back at participating merchants.

Q: Where can I use my gift card?

A:

You can use your gift card at most retailers that accept Visa® or MasterCard® branded cards. Your gift card is not available for use at ATMs.

Q: May I use my gift card online?

A:

Yes, you can use your gift card online. Your gift card should work on most websites. However, if the retailer tries to complete address verification, the transaction will be declined.

Q: Will my gift card work when I pay-at-the-pump?

A:

No, your gift card will not work at pay-at-the-pump. You may use your gift card at gas stations, but you must pay at the register inside the store.

Q: Do I have to spend the whole gift card amount at once?

A:

No, you do not have to spend the whole gift card amount at once. Any remaining balance after the purchase(s) will be stored on the gift card and can be applied toward another purchase.

Q: What if my purchase is less than the balance on my gift card?

A:

If your purchase is less than the balance on your gift card, the remaining balance is stored and will be applied toward your next purchase.

Q: Can my purchase be greater than my gift card’s available balance?

A:

Yes, if the purchase exceeds the gift card's balance, you may use other forms of payment to satisfy the total cost of the purchase. Note: You must provide your card's available balance to the merchant, otherwise it will be declined.

Q: Why did my gift card get denied at the restaurant?

A:

If your gift card is denied at a restaurant, it could be due to some restaurants authorizing card transactions to include a tip. If the authorization amount exceeds your card balance, your transaction will be declined.

Q: What happens to the gift card after it is used up?

A:

Once the gift card balance has been used, it no longer has value and will be denied. Please discard the card.

Q: Does the gift card expire?

A:

Yes, your gift card will expire on the last day of the month listed on the front of the gift card and will be no less than 5 years from the date of purchase.

Q: What do I do if my gift card is not working?

A:

If you are having problems with your gift card, please call 800.710.4795 for assistance.

Q: What if my gift card is lost or stolen?

A:

If your gift card is lost or stolen, contact MidFirst Bank as soon as possible at 800.710.4795 and request a replacement gift card. You will need your card number and a $10 replacement fee will be deducted from the remaining balance of the gift card.

Q: Can my gift card ever have a negative balance?

A:

No, your gift card cannot have a negative balance.

Q: Can I add money to my gift card once the available funds are gone?

A:

No, additional funds may not be added to the gift card. Once the available funds are spent, the gift card is no longer available for use.

Q: Why is there no information when I look at my gift card statement on the web site?

A:

After one month's history is available, information regarding your gift card will be displayed when you sign in and select the statement option on the web site.



Visa Check Card

Q: What is a customized check card?

A:

It is just like a normal check card, except you get to choose the photo or image that appears on the card.  As long as your image complies with our Image Guidelines, you can create a check card that is one of a kind!

Q: How do I design my own check card?

A:

Visit midfirst.com/idesign where you can find the Design Gallery on MidFirst Bank’s website and follow the simple instructions.

Q: What if I am not a MidFirst Bank customer?

A:

You will need a MidFirst Bank checking account in order to create a customized check card. To learn more about MidFirst Bank checking accounts, visit midfirst.com.

Q: Can anyone design their own card?

A:

You must have an existing, active, consumer checking account with MidFirst Bank to create your own check card.  Business accounts are not eligible at this time.

Q: Can my joint account holders design their own cards, too?

A:

Yes.  Every check card associated with your MidFirst Bank account can be customized by the individual cardholder.  Each check card will result in a $5 fee charged to the primary checking account associated with the MidFirst iDesign check card.  MidFirst reserves the right to waive the fee associated with designing your own check card.

Q: What if the image I submit is not accepted?

A:

MidFirst Bank will notify you by email if there is a problem with your image.  In most cases it may be as simple as selecting an image that isn’t trademarked or under copyright protection.  Though MidFirst reserves the right to waive the $5, the $5 fee will only be charged when your image is accepted and a card is produced.  You will not be charged for declined images. 

Q: Is there a limit on how many times I can change the image on my check card?

A:

No.  You can change your check card as often as you like; however you will be charged a $5 fee each time MidFirst Bank issues you a new check card.  Please ensure you change your card number on auto payments with your check card and de-activate and cancel your old cards by calling 888.MIDFIRST (643-3477) or visiting any banking center.

Q: Does designing my own check card change anything with my checking account, like my PIN number?

A:

Yes.  The 16-digit check card number on the front of the card and your PIN will change.  If your check card number is automatically set up to pay bills or transfer money, you will need to make sure the new card number is used instead of the old card number.  Your new PIN for your new iDesign card will be sent in the mail.  Remember that you can change your PIN at anytime by calling 888.MIDFIRST; you will just need your card number and your existing PIN.  Your checking account number will stay the same. 

Q: When will I receive my card?

A:

Once your image has been approved, you will receive your new MidFirst Bank iDesign check card in the mail within 7-10 days.

Q: Where will my card be mailed?

A:

Once your image has been approved, your new MidFirst Bank iDesign check card will be mailed to the address on file for your account.

Q: What should I do with my old check card?

A:

You are responsible for deactivating and destroying your old check card.  You should also ensure the new card number is used instead of the old card number on any existing, automatic bills set up to pay using the check card.

Q: How can I set up my new iDesign check card to access my other accounts (i.e. Secondary, Checking, Savings, etc.)?

A:

You can have your check card linked to other eligible accounts by calling 888.MIDFIRST or visiting any banking center.

Q: Once I have opened my account with MidFirst Bank, when can I design my own check card?

A:

After opening a MidFirst Bank checking account, you must wait at least one business day before you can design your own check card.