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FAQ

It is a prepaid card that allows you to shop everywhere Visa Debit Cards are accepted.
You can purchase an IBC Bank Visa Cash Card in any whole dollar amount you choose from $25 and $2,500. IBC Bank Visa Cash Cards are sold to domestic IBC Bank customers only.
Yes, the cardholder can cancel the card and replace it with the remaining amount on the card by visiting any IBC Bank branch. The service charge will not be refunded and the replacement fee is $10.
You can view your transaction history & reload your IBC Bank Visa Cash Card online. Register it 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. Refer to the terms and conditions for specific fees.
They are personalized and take approximately 5 - 7 business days to be mailed to the purchaser or recipient's address.
The IBC Bank Visa Cash Card can be activated by calling 1-866-436-1965.
Yes, but you must let the cashier or merchant know the amount you want to pay on your IBC Bank Visa Cash Card and then pay the remainder through other means. Failing to tell the cashier or merchant while trying to make a purchase for more than the remaining amount will cause the transaction to be declined.
No, it is a stored value debit card with a prepaid value between $25 and $2,500.
Yes, the card may be used at any number of merchants as long as Visa is accepted and the card has sufficient funds.
Yes, the card can be used to withdraw cash from ATMs across the country and anywhere you see the PLUS or Visa logos. The PIN can be selected by calling 1-866-436-1965. Transaction fees may apply. Refer to the terms and conditions for specific fees.
Depending on the merchant, you can get cash back when you use your card to make a purchase. Just enter your PIN number and follow the instructions on the PIN terminal.
Immediately report your card lost or stolen card at 1-866-436-1965. The card number is required to cancel card.
Yes, the expiration date will be in front of the card, which will be at least 3 years from the date of purchase.
Yes, the IBC Bank Visa Cash Card can be reloaded by visiting an IBC Bank Branch or setting up automated reloads at www.ibcvisacashcard.com
Yes. If you use your card in a foreign country or in a transaction involving a currency other than U.S. dollars, then 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 will be added to the transaction amount. Please refer to the terms and conditions for further details.
The card terminal at the "pay at the pump" stations checks if your  IBC Bank Visa Cash Card has enough funds 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. We recommend that you prepay the dollar amount of gas you want to purchase to the cashier.
Restaurants have programed their card terminals to account the food server's tip in addition to the total amount of the overall 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 bill. This "up charge" is to ensure you have available funds to cover the total of your food bill plus tip. However, you will not be charged this "up charge" if 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.