For Connect-24 or Mobile Banking assistance during Credit Union business hours, please call (800) 468-5500 and select option 2, then option 3.
For after-hours assistance with Connect-24 or Mobile Banking, please call (800) 468-5500 and select option 5. We’ll be happy to assist you.
CAP COM congratulates all of the Capital Region seniors graduating this month!
Receive 5,000 bonus points when you spend $1,500 in the first 90 days!
Great for building your credit and controlling your spending with limits as low as $500!
Save money with special offers from VISA, no matter which credit card you have. Discover the discounts available to CAP COM members from national retailers, local restaurants and online shopping. Check back often as the offers change on a regular basis.
Looking for a perfect gift? VISA Gift Cards always work! People will love being able to use the card just like cash at their favorite stores and restaurants. Stop by any of our local branches and walk away with a CAP COM VISA Gift Card in a matter of minutes. There is a $3 purchasing fee and additional fees and restrictions may apply.
“Agreement” means these VISA Prepaid Gift Card Terms and Conditions. “We,” “us” and “our” refer to CAP COM FCU. “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 Saturday; Credit Union holidays not included.
We agree to maintain this 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 allowing anyone else to) 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 become effective after notice has been mailed to you at the last address or e-mail address shown on the Card on our records. 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.
Before Using the Card
Write down and retain your card number and the Customer Service number in case the card is ever lost or stolen. Please read the full Terms and Conditions of use as they set out the Agreement between you and us. 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 and activate it using the instructions provided.
Using Your Card
The VISA Prepaid Gift Card is a Non-Reloadable stored-value card. It is neither a credit card nor a NCUA insured deposit account. This card is issued by CAP COM FCU; pursuant to a license from VISA U.S.A. Inc. Your Card may be used at merchants who accept VISA debit cards. To activate your Card and obtain your PIN, visit https://mygiftcardaccount.pscufs.com/ or call (866) 902-6082. You may use this Card after activation. The Card is non-transferable. You are responsible for all authorized transactions made with this card and any additional Cards. You may also use the Card when there is a balance on the Card and only up to the amount left on the Card when there is a balance available on the Card and any transaction fee due. Any transactions made that exceed the available balance will be declined. 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. The Card may not be used for recurring payments, non-financial money exchange establishments and gambling establishments. Some merchants, like restaurants, may attempt to submit authorizations against the Card for an amount greater than the actual purchase amount causing that transaction to be declined.
Fees and Charges
After 24 months from the card issue date, there will be a $2.50 monthly maintenance fee for each month there is a balance remaining on the gift card.
There is a $5 replacement fee if the gift card is lost or stolen. The fee will be deducted from the replacement card 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 by VISA from the range of rates available in wholesale currency markets for the applicable central processing date, which may vary from the rate VISA 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 us 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:
Our Liability for Failure to Make Transactions
We may restrict access to the Card, temporarily or permanently, without liability, if we notice suspicious activity in connection with the Card, and we will notify you if we do. Access will be reinstated if we determine that there has been no unauthorized use of the Card.
If we do not complete a transfer from the Card on time or in the correct amount according to our Agreement (other than for restrictions because of suspicious activity), we will be liable for the correct amount of the transfer. However, there are some exceptions. We will not be liable, for instance:
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:
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.
Closure, 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 CAP COM 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.
Peace of mind: Unlike cash or checks, if your Gift Card is lost or stolen it can be replaced quickly for the unspent amount. (A replacement fee of $5 is deducted from the balance on the card.)
Ease: The card is easy to use and is active and ready to use upon purchasing. For replacement cards, you must call (866) 902-6082 to register before you use your card.
Flexibility: Gift cards issued by stores can be limiting. Our Gift Card expands the purchasing power of your gift to any retailers who accept VISA. Give one to a family member headed off to college or use it for birthdays or other special events.
A better way to manage your credit card debt is with a low-rate, fixed percentage CAP COM Credit Card. Consolidate all your credit card balances into a CAP COM loan or transfer it to your CAP COM VISA® Credit Card.
We've developed an easy-to-use Debt Consolidation calculator to help you take the first step toward financial freedom! The calculator will show you our Personal Loan options. We also offer a variety of other loans for debt consolidation.
CAP COM and VISA Checkout make shopping online more enjoyable by making it easier to complete your purchase. Just enter your username and password at checkout and you're finished. You can use it from any device, with either your CAP COM VISA credit or debit card, and, best of all, there is no need to re-enter your information every time you shop! Click here for additional information.
Help keep your account secure with VISA Purchase Alerts. You'll get real-time1 text or email alerts when you pay with your CAP COM VISA debit or credit card. It's easy to set up, and you can customize your alerts based on criteria you select, including a purchase amount threshold, purchases made online or by telephone, or international purchases.
If you have a high interest rate credit card, transferring your balance to a CAP COM Credit Card could lower your rate and save you money. Whether you apply for our 9.90% VISA Platinum Card or the 13.90% VISA Classic, you will save money on cards that may charge 19% or even 24% interest. We never charge a balance transfer fee, which most banks build automatically into your payments.
No matter what credit card you have, you need to be vigilant about protecting it.
Should you need to call or write in regards to your VISA account, here are the important contacts you’ll need. If you are looking to make a payment or concerned about a lost credit card, just give us a call.
Lost or Stolen Card?
Call: (800) 449-7728
TTY: (800) 221-7728
VISA® payment address:
CAP COM Federal Credit Union
P.O. Box 5713
Hicksville, NY 11802-5713
All other correspondence:
CAP COM Federal Credit Union
4 Winners Circle, Albany, NY 12205