Visa® Gift Card

Alert: Due to a system processing issue with our gift card service provider, we have discontinued the sale of Visa gift cards. We are exploring options for resuming this service in the future and apologize for any inconvenience.

What to do if your card is declined

If your SECU gift card is not working as expected, you may do one of the following:

  • Call the toll-free number, (866) 902-6082, on the back of your card, for registration support; balance, account, or transaction inquiries; requests to lock or unlock your card; and all other SECU gift card related requests.
  • Contact SECU 24/7 Member Services toll-free at (888) 732-8562 for assistance.
For closed cards with a remaining balance, access the SECU Refund Request form and follow the instructions to submit your refund request for the remaining balance on your gift card.

Gift Card FAQs

Managing Your Card

Before using your gift card, review the Visa Gift Card Cardholder Agreement on our Account Disclosures page and sign the back of the card.

Activate and register your gift card, check your balance and transaction history, lock or unlock your card, or dispute fraudulent charges by calling (866) 902-6082.
You can activate and register your card and select a PIN by calling (866) 902-6082.
Yes. Your card expires on the last day of the month displayed on the card. However, the underlying funds on your card do not expire.

Using Your Gift Card

You can use your card at any participating US or international merchant that accepts Visa cards and magnetic stripe transactions.
You can’t use your card for any of the following types of transactions
  • Cash transactions, including ATM withdrawals, cash advances, cash back, or peer-to-peer payments
  • Online gambling or illegal activity
  • Recurring transactions such as utility service providers or health club fees
  • Car rentals
  • Cruise line purchases
  • Pay-at-the-pump gas purchases
    Note: You can use your card to purchase gas inside the store with the attendant.
Yes. At check-in, hotels may ask to put a hold on your card for the amount of your stay or other expenses, making those funds unavailable for use. If the amount of the hold is greater than your card balance, the transaction could be declined. To avoid this, check in with another debit or credit card, and then use your SECU Visa Gift Card as final payment for your stay.
You can use your card as either debit or credit. Debit transactions require you to enter your PIN, while credit transactions require your signature to authorize the purchase.
Yes. If your bill plus the tip amount exceeds your card balance, the transaction may be declined. If needed, ask the merchant to process a specific amount from the gift card and use another payment method to complete your purchase transaction.
Yes. Merchants can either return the funds back to your card balance or provide you with a cash refund or store credit.
Your card may be declined for any of the following reasons

  • Trying to make a prohibited transaction
    See the “Where can’t I use my card?” FAQ for more information.
  • Purchase amount exceeds the balance on your card
    Ask the merchant to process a specific amount from the gift card and use another payment method to complete your purchase transaction.
  • No funds on your card
    When you have used all the funds on your card, and you do not plan to make any returns on prior purchases, destroy the card and throw it away.
  • Your card may have been closed
    Please contact us using one of the contact options listed below.


Security and Fraud

View the SECU Visa Gift Card Cardholder Agreement on the Account Disclosures page for more information.