Personal Card Services
Visa® Credit Card
Coming soon.
Visa® Check Card
Our Free Visa® Check Card gives you a faster, more convenient way to make purchases anywhere Visa® is accepted. The funds come directly out of your checking account without the hassle of writing a check. Your Visa® Check Card also provides you with access to all of our ATM’s at no charge as well as to thousands of other ATM’s across the country (fees may be applied at ATM’s not owned by Farmers Bank & Trust). Apply for your card today.
Visa® Gift Card
A new Visa® branded, instant-issued prepaid card that can be given to others as the perfect gift for special occasions. Better than your store specific gift card or gift certificate, the Visa® Gift Card can be used to make purchases anywhere Visa® is accepted. Apply for your card today.
Features and Benefits
- Maximum prepaid value of $500.
- Minimum prepaid value of $25.
- Signature protected.
- Activated at time of purchase, no requirement by recipient to call for activation.
- Instant issue at all of our full service locations.
- Accepted at millions of merchants worldwide- - -anywhere Visa® is accepted.
- Can be used for online internet purchases and mail order purchases.
- Funds will be replaced if the card is stolen or lost (subject to terms and conditions).
- Free 24-hour card information access via the internet.
- Free 24-hour customer support and card information access by telephone and email.
- Available at any of our full service locations.
Fees
| Fee | Details |
|---|---|
| Card Purchase Fee | $4.99 |
| Online Inquiry | Free |
| Telephone or ATM Balance Inquiry | $0.90 |
| Paper Statements (Optional) | $2.00 per month |
| Monthly Card Maintenance Fee (after 6 months of inactivity) | $1.25 |
| Replacement Card Fee | $5.95 |
| Foreign Exchange Charge | 5.00% |
| Cash-Out Fee (Optional) | $15.00 |
Limits
| Limit | Details |
|---|---|
| Maximum Load Value | $500.00 |
| Minimum Load Value | $25.00 |
| Maximum Load Value – Card Life | $500.00 |
Tolerance Limits
Cardholders must be aware of what is meant by the terms tolerance limits when using their Visa® Gift Card. The tolerance limit is a percentage or amount added to the authorization request to ensure sufficient funds are available for final settlement. This is a standard practice on all brands of debit and credit card purchases. The tolerance limit is only required for authorization purposes. At settlement, only the amount of the purchase will be deducted from the card. Below are the details of the locations where this might occur, and the percentages that are likely to be added:
| Merchant Description | Tolerance Limits |
|---|---|
| Restaurants, Internet, Mail Order | 10% |
| Pay-At-The-Pump Fuel Dispenser | $20.00 |
| Purchases Over the Telephone | $15.00 |
| Car Rentals, Cruise Lines, Hotels | 15% |
| Drinking places, bars etc | 20% |
For Example: A Gift Cardholder receives a $30 restaurant bill. When the card is swiped, the authorization service will expect the card to carry a balance of at least $33 ($30 bill + 10% tolerance). If the card has a $30 balance, it will reject. If the card has $40 balance, the transaction will be authorized and the card will be debited for $30, per the actual restaurant charge. This is common practice for all credit and debit cards.
Visa® Travel Cards
Better than Travelers Cheques!
The Visa® Travel Money Card is a US Dollar prepaid card that is accepted anywhere Visa® is accepted, including millions of businesses and ATM’s around the world.
Features and Benefits
- Fully re-loadable from $250 up to $9,999.99
- Identity theft protection because it’s not tied to any of your bank accounts.
- Card can be re-loaded up to 3 times.
- Secure Personal Identification Number (PIN) based card.
- Can be used at ATM’s.
- Customer activated online or via telephone.
- Free 24-hour card information access via the internet.
- Free 24-hour customer support and card information access by telephone and email.
- Available from all full service locations
Fees
| Fee | Details |
|---|---|
| Card Purchase Fee | $7.95 |
| Reloads – Maximum of 3 reloads | $3.95 |
| Additional Card | $2.00 |
| ATM Withdrawal – U.S. | $2.50 |
| ATM Withdrawal – All Others | $2.00 |
| Online Inquiry | Free |
| Telephone or ATM Balance Inquiry | $0.50 |
| Paper Statements (Optional) | $2.00 per month |
| Monthly account maintenance fee after 12 months of inactivity | $1.25 |
Limits
| Limit | Details |
|---|---|
| Maximum Load | $9,999.99 |
| Minimum Load | $250.00 |
| Over the Counter Withdrawal | $250.00 |
Tolerance Limits
Cardholders must be aware of what is meant by the terms tolerance limits when using their Visa® Travel Money Card. The tolerance limit is a percentage or amount added to the authorization request to ensure sufficient funds are available for final settlement. This is a standard practice on all brands of debit and credit card purchases. The tolerance limit is only required for authorization purposes. At settlement, only the amount of the purchase will be deducted from the card. Below are the details of the locations where this might occur, and the percentages that are likely to be added:
| Merchant Description | Tolerance Limit |
|---|---|
| Restaurants, Internet, Mail Order | 10% |
| Pay-At-The-Pump Fuel Dispenser | $20.00 |
| Purchases Over the Telephone | $15.00 |
| Hotels, Car Rentals, Cruise Lines | 15% |
| Drinking places, bars etc | 20% |
