Prepaid Visa® Cards

Prepaid Visa® cards from Royal Credit Union are preloaded gift cards that work anywhere in the US that Visa is accepted. They make a great gift idea for birthdays, holidays, graduations, or any occasion. Any Royal office can issue prepaid gift cards in amounts from $10 to $1,000.

Prepaid Visa® cards are available to purchase at any Royal office location. If you plan to purchase more than a few gift cards, we recommend that you schedule an appointment.

Yes, there are two fees to be aware of. First, there is a processing and loading fee of $2.50 per card charged at the time of purchase. Royal occasionally offers a $0 processing fee promotion, so keep an eye on our promotions page for current offers. Second, if a card is inactive for 12 consecutive months, beginning the 13th month there will be an inactivity charge of $4.95 or $7.95 assessed to the card each month until the card either becomes active or reaches a zero balance. Refer to the information printed on the card for the applicable charge. To avoid the inactivity fee, simply use the card at least once every 12 months. There are no other ongoing or hidden fees associated with the card.

Yes! The card includes a PIN for use at debit terminals. This means you can use it at point-of-sale terminals that require a PIN entry, giving you added flexibility for how the card is used.

No. Royal's Prepaid Visa® gift cards are not reloadable. The amount you choose at the time of purchase, from $10 to $1,000, is the total value loaded onto the card. Once the balance is spent, the card cannot be topped up with additional funds. If you need more, you can purchase a new Prepaid Visa® gift card at any Royal office location. If you're looking for a reloadable payment option, consider opening a Royal checking account with a Visa debit card.