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Debit and Credit Cards

United Community Bank - Frequently Asked Questions About Your Gift Card

Q. Is my gift card the same as a credit card?

A. No, your card is not a credit card. You can only spend the amount on the card.

Q. Is my card like a debit card?

A. Yes and no. Like a debit card, you can spend only the funds available. However, unlike a debit card, you do not have a bank account associated with the card.

Q. How do I activate my card?

A. Gift cards do not have to be activated prior to use. However, in order to preserve certain rights set forth in the Terms and Conditions disclosure, we highly recommend you register your gift card at If you do not have Internet access, you may register by calling 1-866-279-4545, 24 hours a day, seven days a week.

Q. Where can I use my card?

A. You can use your gift card for purchases anywhere Visa is accepted.

Q. Can I make purchases online with my gift card?

A. Yes, you can make online purchases with your card up to the available value of the card. Enter your card number, expiration date and any other information requested by the online merchant.

Q. How do I know what I have spent, or have available?

A. Make sure that you record the amount of your card and deduct each purchase. You can also get your balance anytime by calling the number on the back of your card (866-279-4545).

Q. Can I use my card to buy a money order?

A. Yes. Businesses that provide these types of services generally accept Visa.

Q. What do I do if I have a question or problem relating to the gift card?

A. Call the number on the back of your card (866-279-4545) 24 hours a day, seven days a week. Follow the recorded instructions. You can also speak with a customer service representative.

Q. Will I get charged a fee for using my card at participating merchants?

A. No, you will not be charged a fee for making a purchase at participating merchants.

Q. Can I use my card to make a purchase that is larger than the balance on my card?

A. No. Since the card is not a credit card, you are not able to access more than the balance available on your card. If the merchant tries to process your transaction for a dollar amount higher than you have available, the transaction will be declined. If the merchant processes all or part of your transaction for the exact amount of your gift card, it will be accepted and you will be able to pay the difference. For example, if your purchase total is $45 but you only have $25 available on the card. Tell the cashier you have a VISA gift card with $25 available. The cashier will process it for the specific amount, it will approve the transaction, and you may then pay the balance of $20.

Q. How can I track my spending and check the available balance on my card?

A. You may track your spending in either of the following ways:

  • Call the number on the back of your card toll free anytime (866-279-4545)
  • Log into the Account Balance page on this website anytime (

Q. Can I use my gift card to withdraw cash or check my balance on an ATM?

A. No. Gift cards do not have ATM access.

Q. May I let someone else use my card?

A. No. Keep your card, and the card account number, under your control at all times.

Q. Can my card be replaced if it is lost or stolen?

A. If your gift card is lost or stolen, the unused portion of the card can be reissued on a new card for a $5.00 replacement card fee.

Q. Does my gift card expire

A. Yes. Your gift card will expire on the date shown on the face of the card. However, if funds remain on your card at its expiration, you may request a free replacement card for any unused funds within 30 days of the expiration date.

Q. Is there a fee if I do not use my gift card?

A. Yes After twelve (12) consecutive months of non-usage, you will be charged a monthly dormancy fee. Please refer to your terms and conditions for the schedule of fees and charges.

Please refer to your UCB Gift Card Terms and Conditions disclosure for more complete information.