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 IBC Visa® Cash Card 

Just Like Cash, Only Better!

Better than a Check!

Your IBC Visa Cash Card works like a check, only better. Purchases are deducted from your IBC Visa Cash Card account.

Shop, Dine and More!

The IBC Visa Cash Card is accepted at millions of locations worldwide wherever VISA cards are accepted.

Faster & Safer than a Check!

No waiting for Check approval. Just swipe and go. No need to carry a Checkbook or excess cash.

Quick Cash!

When you need cash, get it fast at any IBC ATM and at over 30 million Visa® locations worldwide.


IBC Visa Cash Card Frequently Asked Questions:

What is an IBC Visa Cash Card?
What are the purchase limits of an IBC Visa Cash Card?
Can I cancel an IBC Visa Cash Card?
What are the benefits to registering my IBC Visa Cash Card?
How long does it take to receive my IBC Visa Cash Card?
How do I activate the IBC Visa Cash Card?
Can I make a purchase for more than the amount remaining on the Cash Card?
Is the IBC Visa Cash Card a credit card?
Can the IBC Visa Cash Card be used at more than one merchant?
Can the IBC Visa Cash Card be used at an ATM to withdraw money?
Can the IBC Visa Cash Card be used to get cash back when making a purchase?
What should I do if my IBC Visa Cash Card is lost or stolen?
Does my IBC Visa Cash Card have an expiration date?
Can my IBC Visa Cash Card be reloaded?
Can my IBC Visa Cash Card be used in a foreign country?
Why do I sometimes have problems using my IBC Visa Cash Card at "pay at the pump" gasoline stations?
Why do I sometimes have problems spending my IBC Visa Cash Card at restaurants when I have enough money left on my IBC Visa Cash Card to cover the food bill?


What is an IBC Visa Cash Card?

The IBC Visa Cash Card is a prepaid card that allows you to shop everywhere VISA debit cards are accepted.

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What are the purchase limits of an IBC Visa Cash Card?

You can purchase an IBC Visa Cash Card in any whole dollar amount you choose from $25.00 to $2,500.00. IBC Visa Cash Cards are sold to IBC customers only.

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Can I cancel an IBC Visa Cash Card?

The cardholder can cancel the card and replace the card by visiting any IBC Bank branch and requesting a new card with the remaining amount on the card. The service charge will not be refunded and the replacement fee is $10.00.

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What are the benefits to registering my IBC Visa Cash Card?

You can view your transaction history & reload your cash card online. Register your IBC Visa Cash Card at www.ibcvisacashcard.com to access your account balance information online. If you do not have internet access, call 1-866-436-1965, 24 hours a day, 7 days a week. Balance inquiry fees may apply. Please refer to the terms and conditions for specific fees.

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How long does it take to receive my IBC Visa Cash Card?

IBC Visa Cash Cards are personalized and take approximately 5 - 7 business days to be mailed to the purchaser or recipient address.

 

How do I activate the IBC Visa Cash Card?

The IBC Visa Cash Card can be activated by calling 1-866-436-1965.

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Can I make a purchase for more than the amount remaining on the Cash Card?

Yes, however you must tell the cashier or merchant the amount you want to pay on your IBC Visa Cash Card and then pay the remainder through other means. If you don’t tell the cashier or merchant and try to make a purchase for more than the amount on your IBC Visa Cash Card, the transaction will be declined because you don’t have enough money on your IBC Visa Cash Card. It is important to keep track of your Cash Card balance so you don’t make purchases for more than the amount remaining on your IBC Visa Cash Card.

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Is the IBC Visa Cash Card a credit card?

No, the card is a stored value debit card with a prepaid value between $25.00 and $2,500.

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Can the IBC Visa Cash Card be used at more than one merchant?

Yes, the card may be used at any number of merchants as long as there are sufficient funds remaining on the card and the merchant accepts VISA.

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Can the IBC Visa Cash Card be used at an ATM to withdraw money?

Yes, the card can be used to withdraw cash at ATMs across the country; anywhere you see the PLUS or VISA® logos. The PIN can be selected by calling 1-866-436-1965. Transaction fees may apply. Please refer to the terms and conditions for specific fees.

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Can the IBC Visa Cash Card be used to get cash back when making a purchase?

Depending on the merchant, you can get cash back when you use your card to make a purchase. Just enter your PIN and follow the instructions on the PIN terminal.

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What should I do if my IBC Visa Cash Card is lost or stolen?

Immediately report your lost or stolen card to 1-866-436-1965. The card number is required to cancel the card.

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Does my IBC Visa Cash Card have an expiration date?

Yes, the expiration date will be embossed on the front of the card. The expiration date will be at least 3 years from the date of purchase.

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Can my IBC Visa Cash Card be reloaded?

Yes, the IBC Visa Cash Card can be reloaded by visiting an IBC Branch or setting up automated reloads via our website at www.ibcvisacashcard.com

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Can my IBC Visa Cash Card be used in a foreign country?

Yes. If you use the card in a foreign country or in a transaction involving a currency other than U.S. dollars, each transaction will be converted to U.S. dollars under regulations established by Visa® International. A 3% multi-currency conversion fee for foreign currency transactions is added to the transaction amount. Please refer to the terms and conditions for further details.

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Why do I sometimes have problems using my Cash card at "pay at the pump" gasoline stations?

The card terminal at the "pay at the pump" stations checks to see if your Cash Card has enough money left to pay for an "average purchase of gas". If your Cash Card does not have enough money to pay for an average amount, your attempt to pay at the pump will be declined. The average gas purchase amount changes just as retail gas prices change. This check is in place to prevent people from spending more than the balance left on the Cash Card. To use up the remaining balance on your Cash Card when your "pay at the pump" attempt is declined, we recommend that you prepay with the cashier the dollar amount of gas you want to purchase.

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Why do I sometimes have problems spending my Cash Card at restaurants when I have enough money left on my Cash Card to cover the food bill?

The most frequent cause of the problem is how restaurants have programmed their card terminals to account for the food server’s tip in addition to the total amount of the food bill. The card terminals are typically programmed by restaurants to “up charge” the tip amount (usually between 15% - 20%) based on a percentage of the total food bill. This “up charge” is to ensure that should you put the tip on your Cash Card you have the funds available to cover the total of your food bill plus tip. However, you will not be charged this "up charge" should you choose to pay a different tip amount or pay the tip in cash. Your Cash Card balance will reflect the total that you sign on the restaurant receipt.

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