Visa® Prepaid Debit & Gift Cards

Convenient everyday spending and gift giving

These Visa® Prepaid and Gift Cards offer convenient and secure spending power.

Convenience at your fingertips

Prepaid debit cards don't require credit or account history

Gift cards are always in style

Ideal for students and travelers

Available to those without a checking account 

Discover unlimited convenience while staying within your spending limits

Since a Visa Prepaid Debit Card is not linked to your credit union account, you can only spend the amount on the card and will avoid embarrassing overdraft fees. It's a helpful tool to stay within your spending limits.

Visa® Prepaid Debit Cards are available in our branches or by ordering online.

Prepaid Debit Account Fees and Charges

Type of Fee Amount
Enrollment Fee $4.95
Secondary Card Fee $4.95
Card Replacement/Reissue Fee $10.00
Emergency Card Fee $35.00
ATM Transaction Fee $1.00 (first 3 per month are free)
Monthly Maintenance Fee $2.00
Express Delivery Fee $20.00
Reload Fee $2.00 (first 3 per month are free)
Live Agent Call Fee $3.00 (first call per month is free)


The perfect gift for any occasion

Whether you’re looking for the perfect birthday gift or a last minute holiday gift idea, the Visa® Gift Card is the perfect choice. 

  • Available from $25 to $1,000
  • Buy one at any of our branches
  • Recipients can make purchases online or in stores

Here's how to activate and manage your Visa® Gift Card

Call (866) 902-6082 to activate your gift card. At that time, a PIN will be assigned and the card can be used up to its available balance. To manage your card online, register here.

To report your card lost or stolen, review your account activity or all other gift card service inquiries, please call (866) 902-6082. There is a Card Replacement Fee of $5.00 assessed on the account to replace a card that is marked as lost/stolen. You may be asked to provide your name, account number, and the last four digits of the phone number used to register the card. 

Terms and Conditions

These Terms and Conditions may change as required by law. You will be deemed to have accepted the Full Card terms of this Agreement if you do any of the following: (a) use the Card or (b) activate the Card. Please sign the back of your Prepaid Gift Card immediately upon receipt.

“Agreement” means these Visa Prepaid Gift Card Terms and Conditions. “We” “us” and “our” refer to Monterra Credit Union. “You” and “your” refer to the person who has obtained a Card from us. “Card” means the primary Visa Non-Reloadable Prepaid Gift Card and any secondary Non-Reloadable Cards obtained from us. Our “Business Days” are Monday through Friday; bank holidays are not included.

We agree to maintain the Card for you and to perform according to this Agreement. By obtaining a Card from us, activating the Card, and by using the Card or by permitting anyone else to use the Card, you agree to the provisions of this Agreement, which is subject to amendment, and further agree that this Agreement is binding on your successors, representatives and assigns. We may from time to time adopt new or amended provisions which will be effective after notice has been mailed to you at the last address or email address shown for the Card on our records or has been posted on our Web site or as otherwise permitted by law. Provisions changed pursuant to regulatory authorities shall be effective per such regulation without further notice. You must be a resident of the U.S. to purchase this Card.

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