Gift Card Agreement



The Gift Card (referred to below as “the Card”) provided by MWABank (“Issuer”) may be used only in the manner and for the purposes authorized by these Terms and Conditions. For purposes of these disclosures, Issuer’s business days are Monday through Friday, holidays excluded.



Using the Card. You may use the Card to pay for purchases anywhere that Visa debit cards are accepted, except for Prohibited Transactions as described below. A purchase transaction will cause the amount available on the Card to be reduced by the amount of the purchase. The Card is provided for your use and protection, and you agree to use the Card only as instructed, and are responsible for any transaction made by a person you authorize or permit to use your Card.

This card may not be used at an ATM or to obtain cash.


Prohibited Transactions. You may not use the Card to withdraw funds or receive cash advances. You may not use the Card for any illegal purpose, including the purchase of illegal goods or services.


In addition, the Card may not be used for Internet Gambling or to reserve any balance that has not yet accrued, such as to reserve hotel rooms or rental cars, or to “pay at the pump”in advance of a gasoline purchase. You also may not use the card to add a tip after a transaction has been processed with the card, for example, at restaurants or for beauty services. You will be responsible for any violations of these restrictions as described in Section 3.


Your Card and the funds will expire on the date shown on the Card, not less than five years from the date of issue. You will lose any remaining balance when the Card expires. Inactivity charges may apply where permitted by law.


Activation. Please sign your Card immediately upon receipt. A merchant may refuse to accept an unsigned Card. In addition, you may need to activate your Card before you can use it. Go to or call (toll free)866-330-6601 to activate your Card.


Limitation on Frequency of Transactions. There is no limit on how frequently you may use your Card to make purchases. However, you may not make transactions that exceed the amount of funds available on your Card, except as provided in Section 3 below.


Conversion To U.S. Dollars.Transactions made in currencies other than U.S. Dollars will be converted to U.S. Dollars. The exchange rate used to convert the currency used in an international transaction into the billing currency shall, in each instance, be either a rate selected by Visa from the rates available in wholesale currency markets for the applicable processing date and may vary from the rate Visa itself receives, or the government-mandated rate in effect for the applicable processing date, plus any Issuer International Transaction Fee of up to 1%. Conversion to U.S. Dollars may occur on a date other than the date of the transaction, and thus the actual conversion rate may differ from the rate in effect at the time of the transaction. You agree to pay the converted amount plus any applicable conversion charges.



Use of your Card to purchase goods and services from merchants constitutes a simultaneous demand against and withdrawal from the available funds on your Card.



There is no fee charged for the activation of the card.

 An inactivity fee of $2.50 will be charged after 12 consecutive months of inactivity. The fee will be charged monthly and no more than one service fee will be charged in any one calendar month. All fees incurred under this section will be deducted from the Card automatically without further notice to you. A reissue fee of $7.00 will be assessed for the replacement of lost or stolen cards. Go to or call (toll free)866-330-6601 for fee information, card balance and transaction inquiries. If you plan to make a purchase for an amount that exceeds the available balance on your Card, you must inform the merchant before making the purchase. The merchant will require payment for the excess by cash or credit. If you improperly receive value greater than the remaining balance on your Card for any reason,you will be liable for the amount by which your transaction(s) exceed the remaining balance.



Information about the Card or Card transactions may be disclosed to and by third parties on the Issuer’s behalf only:

  • Where necessary to complete the transaction (e.g. to verify the existence and condition of your Card to a merchant); or
  • To comply with government agency or court orders or as otherwise required by law or in connection with examinations by banking authorities; or
  • For analytical purposes;or
  • With your permission.



You may not make pre-authorized,regular payments with the Card, including any automatic withdrawals for recurring monthly bills. If a violation of this section causes you to exceed your available balance, you may be liable for the amounts described in Section 3.


Section 6. ACCOUNT BALANCE. You will not receive account statements; however, you can obtain your current balance and transaction history at or by calling (toll free) 866-330-6601.



The Issuer will be liable for your actual and direct damages if it causes your Card transaction to be unreasonably delayed or processed for an incorrect amount, unless:

You have insufficient funds available on your Card to cover a transaction (through no fault of the Issuer); or

A terminal or system malfunction caused the loss; or

Despite reasonable precautions, circumstances beyond the Issuer’s control (such as flood or fire)prevent or delay the transaction.



If you believe your transaction receipt is inaccurate, or if you need more information about a transaction, contact Customer Service at 866-330-6601 or P.O. Box 1481,Madison, WI, 53701 within 60 days of the transaction, and provide the following information:

Your name and Card number;

A description of the error or the transaction at issue, and your concerns or questions; and

The dollar amount of the suspected error.


You may be requested to confirm telephone inquiries in writing within the following 10 business days. Within 10 business days of receipt of your written inquiry, the Issuer will determine whether an error occurred and will correct any errors promptly. In the event an in-depth investigation is required, a resolution may take up to 45 days. Under these circumstances, the Issuer will re-credit your Card within 10 business days for the amount of the alleged error during the investigation. If you fail to comply with a request to put your inquiry in writing within 10 business days, the Issuer may not re-credit your Card.


For alleged errors involving newly issued Cards, point-of-sale, or foreign initiated transactions,investigation may take up to 90 days. Re-crediting the amount of an alleged error for new accounts may take up to 20 business days.


The Issuer will provide the results within 3 business days after completing the investigation of the alleged error. The Issuer will provide a written explanation if no error is found. You may request copies of documents used in the investigation.


If you are unable to provide your Card number to the Issuer, the remedies provided by this section may be unavailable. Call (toll free)866-330-6601 for more information about error resolution procedures.



If your Card is lost or stolen, promptly notify Issuer by calling (toll free) 866-330-6601 or writing to Credit Card Security Department, P.O. Box 1481, Madison, WI 53701. Visa’s Zero Liability policy protects you from liability for unauthorized use of your Card. A replacement Card in the amount of your remaining balance minus a reissue fee of $ 7.00 may be issued at the location where the Card was purchased. However,you must provide your Card number to cancel your Card and receive a replacement Card. Keep a record of your Card number in a safe place, separate from the Card.