More Convenient than Cash


Get yours at a branch near you

Cash is no longer king

When you’re on the go, you want the convenience and security of a card, and we have great options for you.

Travel with Confidence

Our travel cards are accepted by millions of merchants and ATMs worldwide.

Load ‘n Go

Make purchases almost anywhere.This card is easy to reload and even accepts direct deposit.

Give the Perfect Gift

If you’re having trouble finding the perfect gift, look no further. Here’s a gift no one will return.

Travel Card

  • A convenient and secure way to pay and manage travel expenses
  • Good at millions of merchants and ATMs worldwide
  • Good up to $5000 and reloadable up to 3 times by phone or at any branch using your Keesler Federal debit or credit card
  • Card is not linked to checking or savings and if lost or stolen, enjoy protection with Visa’s Zero Liability policy
  • Uses secure EMV Chip Technology as well as magnetic stripe
Terms & Conditions | FAQs
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Prepaid Travel Card

Load-n-Go Card

  • Can be personalized with your name on it
  • Accepts Direct Deposit from your employer
  • Can be reloaded as often as 3 times in a 5 day period from anywhere
  • Good at millions of merchants and ATMs worldwide
  • Zero liability protection from fraudulent use or stolen card
  • Uses secure EMV Chip Technology as well as magnetic stripe
Terms & Conditions | FAQs | Fee Information | Additional Fee Information
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Closeup photo of Keesler Federal Credit Union debit card

Visa Gift Card

  • Available for amounts from $10 to $500
  • Purchase at any Keesler Federal branch
  • Use anywhere Visa Debit is accepted
  • Register online to view balances and purchases
Terms & Conditions | FAQs
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Image of Keesler Credit Union Visa gift card

Cool Ca$h Card

  • Reloadable Visa Debit card not attached to a checking account
  • Available for children and young adults from ages 13 – 23
  • Great parental tool to teach children money management
  • Parents can control cash flow and monitor spending
  • Works at any Visa/Plus ATM
Terms & Conditions | FAQs | Fee Information| Additional Fee Information
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Keesler Federal credit card with grey background

“Agreement” means these Visa Prepaid Card Terms and Conditions. “We”, “us” and “our” refer to Keesler Federal Credit Union. “You” and “your” refer to the person who has obtained a Card from us. “Card” means the primary Visa reloadable Prepaid Card and any secondary reloadable Prepaid Cards obtained from us. Our “Business Days” are Monday through Friday, Federal holidays are not included.

1. Agreement; Amendments
We agree to maintain the Card for you and to perform according to this Agreement. By obtaining a Card from us, activating the Card, 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 mailed to you at the last address or email address shown for the Card on our records or 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.

2. Ownership and Use of the Card
The card is and will remain our property. However, you will be solely and completely responsible for the possession, use and control of the Card. You must surrender the Card to us immediately upon request. The Card may not be used for Internet lottery, betting, or gambling transactions or for any illegal transactions.

3. Ordering Personalized Cards Online
Our Visa International Prepaid Card (personalized) can be purchased by anyone that has a valid debit or credit card registered in his or her name. 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 International Prepaid Card. Personalized primary cardholders can order online up to 4 personalized secondary cards for family members or 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.

4. Before Using Your Card
You must activate the Card by signing into our website and choosing the option for Activate Card or by calling the Member Service Number (855) 657-8588. A PIN will be assigned after the Card is activated. You will have the option to select a new PIN should you desire. Remember to sign the back of the Card. Write down your Card number and the Member Service Number on a separate piece of paper in case the Card is ever lost or stolen. At the time of activation, for your protection and for regulatory purposes, we may request, and you agree to provide, some additional identification verification information such as your home phone number, date of birth, social security number and zip code. We may use this data for a range of purposes, including but not limited to facilitating refunds if your Card is lost or stolen, enhancing usage at merchants that my require zip code authorization, and aiding in collection efforts in the event of a shortage, as defined herein. We will hold your information in confidence in accordance with the section below entitled “Privacy”. If you do not wish to provide the data, or if the data you provide us cannot be appropriated verified, we reserve the right to cancel your Card and reimburse you for the Initial Load Amount.

For security reasons, some countries may be blocked from access. If you are traveling out of the country, contact us before leaving to inquire about which countries and how to enable use.

Please read the following carefully and keep these Terms and Conditions for your records as they set out the Agreement between you and us. You will be deemed to have accepted the Card and the terms of this Agreement if you do any of the following: (a) use the card, or (b) activate the Card.

Please sign the back of your Prepaid Card using your usual signature immediately upon receipt.

You must be a citizen or resident of the U. S., or dependent of a citizen or a resident of the U. S. with a ITIN to purchase the Card. The minimum value that can be prepaid is $50.00.

5. Using Your Card
The Visa Prepaid Card is a reloadable stored-value card. It is not a credit card. This Card is issued by Keesler Federal Credit Union, pursuant to a license from Visa U. S. A., Inc. Your Card allows you to access your prepaid funds at ATMs, which display the Visa brand. You may also use your card at merchants who accept Visa debit cards worldwide. The Card may not be used at some merchants including non-financial money exchange establishments and gambling establishments.

We advise that any person to whom you may give an additional Card should be advised to treat the PIN for that Card in the same manner.

The maximum value credit to the Prepaid Card on issue is limited to $5,000.00 and no more than $5,000.00 can be available for use on the Card at any one time.

Activate your Card online at or by calling toll-free, (855) 657-8588. You will be required, for validations purposes, to provide personal information. You will also be given a PIN. You will need your PIN to access cash from ATMs and to use at all merchants abroad equipped with global chip & pin terminals. You may use your Card after activation. If you cannot remember your PIN, you must call the customer support at any time 24/7/365 to hear your PIN.

The Card is non-transferable. The person who purchases the Card is the only person authorized to use the Card. Please do not give your Card to anyone else to use.

You may request up to 4 additional personalized Cards or 2 additional non-personalized Cards when you order your primary Card for any user you authorize, which will have to be separately activated and which can be used in the same way as the Card at ATMs and merchants that accept Visa debit cards. You are responsible for all authorized transactions made with this additional Card.

You may only use the Card when there is a balance available on the Card and only up to the amount left on the Card and any transaction fee due. All use at an ATM or for purchases will be deducted from your Card, including any transaction fees. Any transaction made that exceeds the 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.

Some Visa merchants may, subject to limits, allow you to use your Card for cash-back on purchases and cash may be advanced at a Visa affiliated financial institution. Cash-back is only available at US Visa merchants with your International Prepaid Card; it is not available at international Visa merchants.

When you use your Card at an automated gas station pump, you will require a minimum of $100 available credit on the Card to enable gas to be dispensed (it may take up to 24 hours before any unused amount is available to spend due to the way in which the transactions are processed). If your available balance is less than this, please pay the attendant in the gas station.

If you use the Card to make a telephone call this can require a minimum credit of $15.00.

If you use your Card to purchase meals or drinks may restaurants and bars factor a tip into the price of up to 20% when pre-authorizing Card purchases but you should only be debited with the actual amount you spend. Hotels and cruise liners operate a similar policy, usually 15%.

Automobile rental businesses likewise add 15% to the rental to allow for any additional expenses and mail order companies often add a similar amount for potential shipping costs although the amount finally debited should be the same as the final bill.

When making a purchase on the phone, by mail or online, the account information you provide must be the same account information as registered for the Card and a difference may lead to a declined authorization.

If you use the Card to buy goods and you want to use some other method of payment for part of the cost please advise the store in advance and use the Card first before paying any balance by other means. We do not guarantee that the establishment will fulfill this request.

Your Card will expire on the date embossed on the front of the Card. If your card is a personalized card, is in good standing and has greater than a $0 balance, it will automatically reissue.

The Card is our property and we may revoke the Card at any time without cause or notice. You must surrender a revoked Card and any Additional Card and you may not use an expired or revoked Card. Upon revocation any amount remaining in your Card account, after deducting all applicable fees, will be returned to you.

You will notify us promptly within a reasonable time if the Card is lost or stolen. A replacement Card will be issued for the balance remaining on the Card at the time it is reported lost or stolen (subject to unauthorized use of the Card as set out below).

We may change the terms of this Agreement or any features of the Card, and we will give you notice of any such change as required by law.

Any entity honoring the Card is required to obtain approval or authorization for any transaction. The balance available for authorizing transactions with the Card is the lesser of your available balance or any dollar limitation disclosed for the transaction being performed. You may use your Card only in the manner and for the purposes authorized by this agreement.

You do not have the right to stop payment on any purchase transaction originated by use of the Card. We are not responsible for any injury to your or to anyone else caused by any goods or services purchased or leased with your Card. If you are entitled to a refund for any reason for goods or services obtained with a Card, you agree to accept credits to your Card in place of cash.

We may suspend your access to your Card if we notice excessive use of your Card or other suspicious or potentially illegal activities. Access will be reinstated once we have notified you, clarified the situation and rectified any problems.

6. Pin Protection
You agree to take all necessary steps to protect your PIN and never disclose your PIN to anyone. For security purposes never write your PIN on the Card and never carry a record of your PIN in your purse or wallet. If you permit someone else to use your Card and you give that person your PIN, we will treat this as if you have authorized this person to use your Card and you will be responsible for any transactions initiated by such person with your Card.

We caution that any person to whom you may give an additional Card should be advised to treat the PIN for that Card in the same manner.

If you have forgotten your PIN, call the customer support number (855) 657-8588 immediately to hear your PIN.

7. For Your Safety When Using an ATM, Please Observe the Following
If the ATM you are using is inside a building, close the entry door completely upon entering. Individuals who have a legitimate need to gain access to an ATM should have an access device. Put withdrawn cash in a secure place before stepping away from the ATM. Be aware of your surroundings. If you believe you are being watched or followed, cancel your transaction, then go to a well-populated area. If necessary, call the local police. Do not write your PIN on or near the Card. Do not give your PIN to anyone else. In case of an emergency, call 911.

8. Card Activity Information
You can review your Card balance and the last 5 transactions activity records by calling toll-free (855) 657-8588 or by visiting where full details of all transactions are available free of charge.

This information is available to you 24 hours a day, 7 days a week. Your Keesler Federal Credit Union VISA Prepaid Card account number and some of the information requested when you ordered the Card are required for authentication.

9. Card Reloading
You can add value of at least $50.00 on your Prepaid Card by making a payment at your local Keesler Federal Credit Union branch. Please bear in mind the number of loads on a Non-Personalized Card is limited to four, including the initial load. Personalized cards have unlimited reload capabilities.

You can also add value at or by calling toll free (855) 657 8588 by initiating funds transfer from your designated funding account. Funds may not be available for immediate use after you have initiated the transfer. The ability to set up direct deposit from your employer is also available (Personalized Cards only).

10. ATM Usage
The frequency, amount, and timing of cash withdrawals made from ATMs may be limited by the ATM operator. There may be other limitations on the types, frequency, and timing of cash withdrawals established by us from time to time, without notice, for security purposes.

A fee may be imposed by an ATM operator when you initiate a withdrawal of balance inquiry and by any ATM network used to complete the transaction.

11. Prepaid Card Account Fees and Charges
Personalized Card Fee – $5.95 plus shipping as advised when ordering online.

Personalized Secondary Card Fee – $3.00 plus shipping as advised when ordering online.

Express Delivery Fee – You will be charged an additional fee of $20.00 when requesting a card order to be sent via express mail.

Non-Personalized (Instant Issue) Card Fee – $8.95

Non-Personalized Secondary Card Fee – $7.95

Inactivity Fee – If no activity for 12 consecutive months, a monthly inactivity fee of $2.50 per month will be assessed to the card balance until there is activity on the Card.

Monthly Maintenance fee – There is a $2.00 Monthly maintenance fee assessed to personalized cards.

Personalized Card Reload Fee – $3.00 per value load

Non-Personalized Card Reload Fee – $5.00 per value load (limited to 3 additional value loads).

IVR (Inter Voice Response) Call Fee – There is a $1.00 fee for calls to the automated voice system (the same information is available free of charge online by logging into your online Prepaid Account.)

Customer Service Call Fee – You will be charged $3.95 if you choose to transfer from the automated system to a live agent.

Additional Charges for Transactions in a Foreign Currency and “Cross-Border” Transactions – 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 is the wholesale money market or the government-mandated rate increased by 1% (including the Visa handling charge of 1%).

12. Our Liability
If we do not complete a transfer from the Card on time or in the correct amount according to these terms and conditions we will be liable for your losses or damages. However there are some exceptions. We will not be liable, for instance:

If through no fault of ours, and ATM or merchant refuses to honor the Card.

If through no fault of ours, you do not have enough money available on your Card to make a withdrawal or purchase.

If the terminal or system was not working properly and it was known about when the transaction started.

If the terminal or system was not working properly and it was known about when the transaction started.

If circumstances beyond our control (such as flood or fire) prevent the transfer, despite reasonable precautions that we have taken.

Other exceptions stated in these terms and conditions.

13. Errors or Questions
If you think there is an error involving a transaction made with your Card such as a purchase you didn’t make or an incorrect amount charged to your Card, please call us at (855-657-8588), email us at [email protected] or write to us at: Cardholder Services, P. O. Box 7235, Sioux Falls, SD, 57117-7235. If you tell us orally, we may require that you send your claim or question in writing within 10 business days.

We must hear from you no later than 60 days after the transaction is posted to your account. Tell us your name and Card number. Describe the error or the transaction you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information. Tell us the dollar amount of the suspected error.

If we decide that there was no error, we will send you a written explanation after we finish our investigation and any credit made under the preceding paragraph must be repaid by you. You may ask for copies of documents that we used in our investigation.

14. Termination
We reserve the right to terminate this Agreement or any of the services that are described herein by giving you written notice. You may at any time terminate this Agreement by calling us, toll-free, at (855) 657-8588. Termination will not affect any of our rights or your obligations arising under this Agreement prior to termination.

15. Amendment
We may amend these terms and conditions at any time by adding, deleting or changing provisions in compliance with the applicable notification requirements of federal law. However, if the change is made for security purposes, we can implement it without prior notice.

16. Privacy
Please refer to the link below for our policies on information collection and sharing. View our Privacy Policy Here.

17. Unclaimed Funds
The balance on an expired card may become unclaimed funds and income to Keesler Federal Credit Union if, as shown by our records, you have not, within the specified period, cased any activity or receo0ved any payments with regard to the Card, indicated any interest in the Card, corresponded with us concerning the Card, or otherwise indicated an interest in the Card as evidenced by a writing on file with us, or transacted any business with us.

18. Visa Zero Liability and Unauthorized Use
Visa’s zero liability policy may protect you from liability for certain unauthorized transactions. Please contact Visa for complete details. If your account history has transactions that you did not make, tell us at once by calling toll-free (855)657-8588. If you do not tell us within 60 days, you may not get back any money you lost if we can prove we could have stopped someone from fraudulently using the Card if you had told us in time.

If you notice fraudulent activity on your card, promptly contact your financial institution to report it. It is important to continually monitor your monthly statement to identify any unauthorized transactions.

You should always regularly check their transaction history for accuracy. Financial institutions may impose greater liability on the cardholder if the financial institution reasonably determines that the unauthorized transaction was caused by the gross negligence or fraudulent action of the cardholder-which may include your delay for an unreasonable time in reporting unauthorized transactions.

You acknowledge that purchases made with prepaid Cards are similar to those made with cash. You cannot “stop payment” on such transactions. Any problems or disputes you may have regarding a purchase should be addressed directly with the merchant. We may require you to provide a written statement regarding claims of unauthorized transactions.

19. Information Needed to Obtain Your Card
The USA PATRIOT ACT is a federal law that requires all financial institutions to obtain, verify, and record information that identifies each person who opens a Card account has provided us with sufficient documentation for identification verification purposes under applicable laws and regulations. To continue ongoing compliance and validation, we may request additional identity verification documentation from you from time to time for our regulatory compliance purposes also ask to see your driver’s license, government-issued photo ID or other identifying documents on a going forward basis in connection with your Card.



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