• What is the Liberty FCU Mastercard® Gift Card?
  • Your Liberty FCU Mastercard® Gift Card is a prepaid Mastercard® Debit Card with a specific dollar value. Your Liberty FCU Mastercard® Gift Card and its value are accepted at most places Mastercard® Debit is accepted.
• How do I activate my gift card and obtain my PIN?
  • Gift cards can be activated and the PIN can be obtained by calling (866) 902-6082.
• Can I use my Liberty FCU Mastercard® Gift Card to get cash at an ATM?
  • No, the card cannot be used at an ATM.
• How can I check the balance on my Liberty FCU Mastercard® Gift Card?
  • Call the number on the back of your card for balances and transaction history or click here to register and manage your card online.
• Where can I use my Liberty FCU Mastercard® Gift Card?
  • You can use your Liberty FCU Mastercard® Gift Card at most places Mastercard® Debit is accepted. See Terms and Conditions for further information.
• What should I do when the merchant’s sales terminal asks me to press “Debit” or “Credit”?
  • You have the option to press the ‘credit’ or ‘debit’ button. The credit transaction will require you to sign a sales receipt to authorize the purchase and the debit transaction will require you to enter your PIN to authorize the purchase.
• What if the item I want to purchase exceeds the value of my Liberty FCU Mastercard® Gift Card?
  • If the purchase amount exceeds the available card balance, then you must inform the merchant of the amount you want to pay with the Liberty FCU Mastercard® Gift Card and that you will pay the difference in cash, check, credit or debit card. If the amount attempted on the Liberty FCU Mastercard® Gift Card exceeds the available balance of the card, the transaction will not be approved.
• What do I do if I need to return an item?
  • In the event you need to return an item you purchased with your Liberty FCU Mastercard® Gift Card, the merchant will handle the item in accordance with Mastercard® guidelines. The merchant may credit your card (put the funds back on the card) thereby increasing your available funds.
• What happens when the funds are spent?
  • When you have depleted all the funds on the card and no returns are necessary, simply destroy and discard the card.
• What should I do if my Liberty FCU Mastercard® Gift Card is lost or stolen?
  • Contact Customer Service immediately at 1-866-902-6082. Additionally, read the Liberty FCU Mastercard® Gift Card Terms and Conditions for important card information.
• What happens if I am locked out of the Gift Card My Account site?
  • Your login will reset automatically after 24 hours from the last try.

The following are your Liberty Federal Credit Union Mastercard® Gift Card Terms and Conditions. In these Terms and Conditions, “you” or “your” means the person who has received the Liberty FCU Mastercard® Gift Card; “we”, “us”, or “our” means Liberty FCU; “Card” means the Liberty FCU Mastercard® Gift Card. Please read the following carefully and keep them for your records. By accepting and using your Card, you are agreeing to these Terms and Conditions.

Using Your Card

The Liberty FCU Mastercard® Gift Card requires activation. Please call 1.866.902.6082 or click here to activate and register your card. Upon receipt, the Card should be signed immediately. Write down your Card number and keep it in a safe place in case your Card is ever lost or stolen. You will be able to select a PIN during Card activation on the website; a PIN will automatically be assigned if activated via the provided phone number but can be changed later via the website.

Your Card is issued by Liberty Federal Credit Union and may be used for purchases at most merchants where Mastercard® Debit is accepted. Cash advances, ATM withdrawals, recurring transactions and installment billings are not allowed with the Card.

This Card is not a credit card and may not be reloaded. You may only use it when there is a balance remaining on the Card and only up to the amount left on the Card. Purchases will be deducted from your Card until the value reaches zero. If a transaction initiated by you exceeds the remaining balance on the Card, you must tell the merchant before completing the transaction. Any transaction attempted for more than the amount available on the Card will be declined. Therefore, you must know the amount available on your Card and inform the merchant to process the transaction in that amount. You must pay the difference with another form of payment. If you are given value through the use of the Card greater than the balance remaining, you will pay us on demand the amount by which your transactions exceeded the balance remaining on the Card.

Authorization Tolerances
If you use your Card at an automated fuel dispenser (“pay at the pump”), the purchase amount will be increased by $99 while being authorized by Mastercard®. If your Card is declined, even though you have sufficient funds available, pay for your purchase inside with the cashier. If you use your Card at a hotel, restaurant, mail order catalog, car rental agency, cruise lines, special telecom, taxis or limousines, beauty or barber shops, and health or beauty spas, the authorization will include the transaction amount for the purchase amount plus up to 20% to ensure there are sufficient funds available to cover tips or incidental expenses incurred. Any preauthorization amount will place a “hold” on your available funds until the merchant sends us the final payment amount of your purchase. Once the final payment amount is received, the preauthorization amount on hold will be removed. It may take up to seven (7) days for the hold to be removed. During the hold period, you will not have access to the preauthorized amount. The Card may not be used at gambling establishments.

Customer Service/Balance Inquires
To check your balance, view recent transactions, or register your card, you may visit https://thegiftcardmanager.com/?subprogram=LibertyFCU or call 1.866.902.6082, 24 hours a day, 7 days a week.

Fees and Charges

• There are no fees associated with the use of the Card when purchasing goods and services.
• Card Load Fee: An initial fee of $2.00 will be charged to load the Card. The Card is non-reloadable.
• Inactivity Fee: A Monthly Inactivity Fee of $5.00 will be charged after twelve (12) consecutive months of inactivity. The fee will not be charged once the balance of the Card reaches $0.
• Card Replacement Fee: A lost, stolen, or damaged Card replacement fee of $10.00 will be imposed for the replacement of the Card and will be deducted from the remaining balance.
• Expired Card Fee: A $10.00 replacement fee will be imposed for the reissue of an expired Card and will be deducted from the remaining balance.

Non U.S. 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 to determine the transaction amount in US dollars is either a rate selected from Mastercard® from the range of rates available in wholesale currency markets for the applicable central processing date, which rate may vary from the rate Mastercard® itself receives, or the government mandated rate in effect for the applicable central processing date.

Your Liability For A Lost or Stolen Card or Unauthorized Transactions
Contact Customer Service immediately at (866) 902-6082 if you believe the Card has been lost or stolen, or that someone has accessed or may access money from the Card without your permission. You will not be liable for lost value on the Card if you satisfy the following conditions:

• You have immediately called us and reported the Card lost or stolen, which allows us to block the Card.
• You have signed the Card on its reverse side in permanent ink.
• You inform us of the Card number and the approximate date of your last authorized use.
• You have not reported two or more incidents of unauthorized use to us in the preceding 12-month period.
• You report all facts of the loss or theft to us and you cooperate in our investigation.

Our Liability for Failure to Make Transactions
We may restrict access to the Card, temporarily or permanently, if we notice suspicious activity in connection with the Card, and we will notify you if we do so. We have no liability for restricting access to the Card because of suspected suspicious activity. Access will be reinstated if we determine that there has been no unauthorized use of the Card.

If we do not complete a transaction on the Card on time or in the correct amount according to our Agreement with you (other than for restrictions because of suspicious activity), we will be liable for the correct amount of the transaction. However, there are some exceptions. We will not be liable, for instance:

• If through no fault of ours, a merchant refuses to honor the Card;
• If through no fault of ours, you do not have enough money available on the Card to make a purchase;
• If the terminal or system was not working properly;
• If the Card is expired, damaged, or revoked;
• If the Card has been reported lost or stolen;
• If the Credit Union has reason to believe there is something wrong, for example, that the Card has been stolen;
• If the transaction information supplied to the Credit Union by you or a third party is incorrect or untimely;
• If circumstances beyond our control (such as flood or fire) prevent a transaction, despite reasonable precautions that we have taken;
• The merchant authorizes an amount greater than the purchase amount.

There may be other applicable exceptions as otherwise provided by state or federal laws

Error Resolution Procedures
Records detailing the use of your Card are available by calling (866) 902-6082. In case of errors or questions about transactions arising from the use of your Card, or if any records you see show transactions that you did not make, call (866) 902-6082 immediately. We must hear from you no later than 60 days after the transaction appeared on the transaction activity report. If a good reason such as a hospital stay or long trip prevented you from telling us, we may, at our discretion, extend the period for a reasonable time. In order to help you with your questions, we will need the following information:

• Your name, address, phone number, and Card number.
• A description of the error or transaction you are unsure about and why you believe there is an error or why you need more information.
• The dollar amount of the suspected error.

Once the type of dispute is identified, we will mail you the appropriate paperwork to complete. No other action will be taken until the completed paperwork is received at the address specified in the documentation. Upon receipt of the completed paperwork, we will send you a confirmation letter and begin the investigation. We will determine whether an error occurred within 60 days. If we need more time, however, we may take up to 30 additional days to investigate your complaint or question. If we decide to do this, we will send you a letter. Credit will be given only after it has been determined that it is warranted.

We will tell you the results after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of the documents we used in our investigation.

Expiration or Revocation of Card
Your Card expires on the last day of the month displayed on the Card. At expiration, the Card will be closed and any unused balance will be returned to the appropriate governing body under applicable escheatment laws.

The Card is the property of Liberty FCU and we may revoke the Card at any time without cause or notice. You agree to surrender a revoked Card promptly upon demand. Upon revocation, any stored value remaining on the Card will be refunded to you less any applicable fees.