gift cards

Giving has never been easier with our Visa® Gift Card, available to both Members and non-members.


this time, just give them a gift card

At a loss to find the perfect gift? United now offers the Visa® Gift Card*, a prepaid card that can be used everywhere Visa debit and credit cards are accepted in the United States and U.S. territories.

Use the Visa® Gift Card for any occasion: birthdays, holidays, graduations or weddings. Recipients can use the card to buy what they want, when they want. Because it’s a prepaid card, spending is limited to the initial amount of money you place on the card at the time of purchase. Cards may be loaded with $10 (minimum) - $500 (maximum). Card does not have cash access, but may be used at any merchants that accept Visa debit and credit cards.

  • No purchase fee.
  • Monthly inactivity fee of $4.95 after 12 consecutive months of inactivity.
  • Lost/stolen replacement card fee of $8.


A: At a merchant or store, you can use your card by selecting “credit” at the merchant’s card terminal. Also, you may obtain a PIN (personal identification number) by calling the customer service number on the back of your card and following the automated instructions. Once you have a PIN you can select “debit” at the point of sale. If you are making a purchase online or over the phone, just make sure the billing address you provide matches the one registered to your card. Cards cannot be used to obtain cash.

A: You may register your gift card online at Registering your card will provide the additional security required to allow you to check your balance, view your transaction history, use your card for phone and online purchases, and request a replacement card should your card become lost, stolen or have fraudulent transactions. Keep in mind, there will be an $8.00 fee assessed to your card balance to replace a lost or stolen card. If the card balance is below $8.00, the card will not be replaced.

A: You can use your card in-person, by phone, or online with any merchant everywhere Visa® debit cards are accepted within the United States and U.S. territories, including Puerto Rico, Northern Mariana Islands, U.S. Virgin Islands, American Samoa, and Guam.

A: If your card has been lost or stolen, call 866-261-7741. A live agent will walk you through obtaining a replacement card. A lost or stolen gift card cannot be replaced if the card was not registered via Keep in mind, there will be an $8.00 fee assessed to your card balance to replace your card. It may take up to 10 business days to receive your replacement card. Cards with balances below $8.00 will not be replaced.

A: If you received a replacement card via mail, you may activate it by calling the number on the back of the card. You will need to provide the card number and 3-digit security code from the back of the card.

A: You can get your card balance and a list of your transactions by logging into, through the MetaWallet mobile app, or by calling customer service at the number on the back of the card.

A: You cannot reload your gift card.

A: No. It is for point-of-sale, online, and phone purchases only.

A: No. Gift cards are for domestic purchases with merchants within the United States and areas considered to be U.S. territories, including Puerto Rico, Northern Mariana Islands, U.S. Virgin Islands, American Samoa, and Guam.

A: There are a few fees to keep in mind. Take a look at the Cardholder Agreement located on for applicable fees.

A: Yes, but keep in mind many service-oriented merchants automatically factor in an additional percentage to cover any gratuity you may leave or incidental charge you may incur. When using your card at restaurants, it’s best to have an available balance that is 20 percent greater than your bill, and when using your card at hotels and car rental agencies, check with the merchant to find out how much, if any, they over-authorize their transactions.

A: Yes, however, an authorization of at least $75-$150 may be held on your account. This authorization may not be removed from your account for several days. To avoid this over-authorization, simply pay for your gas inside the service station.

A: If the purchase amount is greater than the amount of the balance on your card, ask the merchant if they allow split tender transactions. A split-tender transaction is when the payment is split across multiple methods. Depending on the merchant’s policy, you can request a split-tender transaction – just use an additional card or alternative payment method to cover the remaining cost of the purchase beyond your card’s balance. Keep in mind, some merchants may only allow you to do this if the second method of payment is cash or check. Also, online and most mail-order merchants do not permit split-tender transaction. There is no guarantee that every merchant will accept two forms of payment.

A: When making a purchase in-person, the merchant may have attempted to process the purchase for a greater amount than what is available on the card. If this happens, ask the merchant to split the payment across multiple methods. You can only spend what is loaded on your card – any amounts beyond that will cause a decline.  For additional help, you can contact customer service at the number on the back of your card.

A: You must be 13 years or older to purchase a gift card.

Have questions or want to get started? Give us a call at (888) 982-1400, stop in a branch or start a chat with one of our team members now!