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Family Card Terms & Conditions.

Community Trust Bank Visa® Family Prepaid Debit Card

Important Information for Family Card Recipient

By purchasing, receiving and/or using this Community Trust Bank VISA® Family Card, You agree to be bound by the Terms and Conditions of this Agreement.  As used in these Terms and Conditions "You" or "Your" means the person who has purchased, received and/or signed the back of the Community Trust Bank Visa® Family Card; "We", "Us" or "Our" means Community Trust Bank.  Please read the following carefully and keep for Your records.  Please sign your card immediately.

The Card is a prepaid card product that can be used at retail establishments, and financial institutions that have agreed to accept Visa®, Plus, Pulse, and NYCE debit cards. We hold the value of all Cards in an aggregate account and there is no FDIC insurance to your benefit. The Card is not a credit card.

When you use the Card, the amount of any purchase or withdrawal will be deducted from the Card and its value will be reduced until it reaches zero.  In any case where you are given value through the use of the Card greater than the remaining balance, you will pay us on demand the amount by which your transactions exceeded the balance. The Card is re-loadable.

Activation: To activate your card, call the toll free Community Trust Customer Care Center number at 1-800-963-8695.  Your initial Personal Identification Number (PIN) will be the last 4 digits of your Social Security Number.  During the activation process you will be prompted to change your Personal Identification Number (PIN) to a new 4-digit number of your selection.

Card Funding

Card Funding.  One of two methods of funding may have been selected by the Sponsor of your Visa Prepaid Debit Card that may affect the availability of funds.

a) A Card-to-Card* funding provides immediate availability on the receiving card.

* The Card that the sponsor is using to fund the Visa Prepaid Debit Card must be Community Trust Bank Prepaid Gift Card.

b) Account (checking or savings) to Card funding provides availability to the receiving card on the first business day.

Card Balance/Transaction History

For card balances and transaction history you may access our toll free Community Trust Customer Care Center at 1-800-963-8695, or by accessing;

Card Usage and Limitations

Point-of-Sale Transactions.  The card can be used anywhere Visa®, Plus, Pulse, and NYCE debit cards are accepted to pay for goods and services.  When you use the Card to obtain goods or services the merchant may attempt to obtain preauthorization from the Card for the transaction.  A three (3) day hold will be placed on the Card for the preauthorized amount, which means those funds may not be used for any other purpose during the hold period.  If the preauthorization request varies from the amount of the actual transaction, payment of the transaction may not remove the hold, which may remain on the funds in the payment facility associated with the Card until three (3) days have expired.

Card Use at a Gas Station.  You may use your card at a Gas Station, however, you must pay with the Card at the cashier.  The Card cannot be used for “Pay at the Pump” transactions.

Purchases that exceed the Value on the Card.  If the amount of your purchase is greater than the amount available on your Card, the difference may be paid with another form of payment, depending on the merchant’s policy.  Any transaction attempted for more than the amount available on the Card will be declined.  You must know the available balance on your Card and inform the merchant to process the transaction in that amount.

Card Use at a Restaurant. When using the Card at a restaurant, a gratuity of up to 25% may automatically be added to the total amount of the bill at the time of authorization through the credit card terminal.  This is to ensure that you have funds available to cover the total bill plus a tip.  Your Card will not be charged the calculated tip should you choose to pay a different tip amount or pay the tip in cash.  To avoid any problems at the time of authorization, make sure the total amount of the bill, excluding any tips, does not exceed the balance remaining on your Card.

Card Use for Cash Withdrawals.  You are permitted to use the Card to receive cash from an ATM.  Cash withdrawals are subject to fees as provided in our Schedule of Fees chart.

Card Use for Cash Advance.  You may use your Card to obtain a cash advance from a financial institution that accepts Visa® branded cards.  You will be charged a fee of $3.00 for domestic cash advances (within the United States) and a $5.97 fee for International cash advances.

Conversion to U.S. Dollars. Transactions made in currencies other than U.S. Dollars will be converted to U.S. Dollars under regulations established by Visa and may include a margin and/or fees charged directly by Visa. Conversion to U.S. Dollars may occur on a date other than the date of the transaction; therefore, the conversion rate may be different from the rate in effect at the time of the transaction. You agree to pay the converted amount. For these transactions, the rate of exchange between the transaction currency and the billable currency is either a wholesale market rate or the government-mandated rate in effect one day prior to Visa International processing date, increased by 1%.

Report Your Card Lost or Stolen

If your card is lost or stolen, you must notify us AT Once.  You may call our Community Trust Customer Care Center toll free at 1-800-963-8695, or you can access of website @ to block your card.

You may request a replacement card that will carry over all settings and the balance from the lost or stolen card.  The old card number will be inactive and the new card number will be established.  A $5.00 replacement fee will be deducted from the new card.

Liability For A Lost/Stolen Card Or Unauthorized Use

An unauthorized transfer means a transfer from your Card that is initiated by another person without your authority to initiate the transfer and from which you receive no benefit. The term does not include any transfer that is initiated by a person who was furnished with the Card or your PIN by you, unless you have notified us that transfers by that person are no longer authorized and we have had reasonable opportunity to act on that notification. You are responsible for all authorized uses of your Card. Applicable law and Visa’s zero liability policy may protect you from liability for unauthorized purchases. You understand that your Card is not a credit card and is not protected by laws covering credit cards such as the federal Truth in Lending Act.
Tell us AT ONCE if you believe your Card or PIN has been lost or stolen, or if you believe that an electronic fund transfer has been made without your permission using information from your Card. Telephoning is the best way to keep your possible losses down. Call us at 1-888-292-4037 Monday thru Friday between the hours of 8am and 5pm, for after hours you may call 1-866-297-3613. If you fail to notify us promptly and you are negligent or fraudulent in the handling of the card, you could lose all the money on the card. If you notify us within two (2) business days after you learn of the loss or theft your liability is limited to no more than $50 if someone used your Card or PIN without your permission.
If you do NOT tell us within two (2) business days after you learn of the loss or theft of your Card or PIN, and we can prove we could have stopped someone from using your Card or PIN without your permission,, if you had told us, your liability could be as much as $500.00.If your statement shows transactions that you did not make, notify us immediately. If you do not notify us within 60 days after you receive your statement or the transaction is available to you online, you may not be able to have the money refunded to you. If we determine that extenuating circumstances kept you from telling us, we may extend the time periods. If your card is reported lost or stolen, we will block the Card to minimize the losses.
The limitations described above do not apply to, and you will not be liable for any unauthorized, Signature-Based POS transaction for the purchase of goods or services (not including cash-back transactions) if you notify us within forty-eight (48) hours after you learn of the loss or theft of your Card. If you notify us later than forty-eight (48) hours after you learn of the loss or theft of your Card, then your liability is limited to no more than $50 in connection with the unauthorized signature-based POS transactions for the purchase of goods or services. However, if your own negligence contributes to the unauthorized use of your Card, your liability may be more than $50.


There is no monthly maintenance charge for your Card as long as your card is active. However, there may be other fees relating to the use of your Card. The monthly maintenance charge is waived until the card is unused for a period of 6 months. These charges are set forth in the Schedule of Fees and Charges. Any fees or charges will be charged to your Card.  


The expiration date of your card is embossed on the bottom. When your card has expired, it will no longer be accepted as a form of payment. Cards being actively used at the time of expiration will automatically renew.  After you have used any outstanding balance, you should destroy the card. Do not destroy the card if you intend to return merchandise. If the card expires before the balance is used or, if at any other time you want to cancel the card, stop by the issuing bank and a check will be issued for the remaining balance.  


We will disclose information to third parties about your Card or the transaction that you make: Where it is necessary for completing the transaction; or In order to verify the existence and condition of your Card; or In order to comply with government agency or court orders or as otherwise required by law or in connection with examinations by banking authorities; or For analytical purposes; or If we conclude that disclosure is necessary to protect you or the interests of the Bank; or If you give us your permission.


You may not make pre-authorized regular payments through the use of your Card.


If we do not complete a transaction arising from the use of your Card on time or in the correct amount according to our agreement with you, we will be liable for your losses or damages. However, there are some exceptions. We will not be liable, for instance: If through no fault of ours, you do not have enough money on your Card to cover a transaction; or If the terminal or system was not working properly; or If circumstances beyond our control (such as flood or fire) prevent the transaction, despite reasonable precautions that we have taken.


In case of errors or questions about transactions arising from the use of your Card: Call our Card Services Department at 1-888-292-4037 as soon as you can, if you think your receipt is wrong or if you need more information about a transfer listed on the receipt. We must hear from you no later than 60 days after the date of the transaction in question and you must provide the following information: Your name and Card number; A description of the error or the transfer you are unsure about, and an explanation as to why you believe it is an error or why you need more information; and The dollar amount of the suspected error.

If you tell us orally, we may require that you send your complaint or question in writing within 10 business days. Generally, we will tell you the results of our investigation within 10 business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45 calendar days to investigate your complaint or question. If we decide to do this, we will re-credit your Card within 10 business days for the amount you think is in error so that you will have the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within 10 business days, we may not re-credit your Card. A written explanation will be sent to you within 3 business days after the investigation of the alleged error has been completed. You may ask for copies of documents that we used in our investigation.


We retain the right to change the terms of this agreement with notice, unless required by law.  Changed terms will be posted on our website and will apply to the outstanding balance on your card as well as to any transaction after the date of the change.  In any event, the use if the Card after the date if the change will confirm your agreement to the change.


This Agreement will be governed by the laws and regulations of the United States and, to the extent not so covered, by the laws and regulations of the State of Louisiana. A determination that any part of these Terms and Conditions is invalid or unenforceable will not affect the remainder. 


 Card Issuance Fee  $12.00
 Monthly Service Charge         $2.50
 (beginning after 6 months of inactivity)    
 Card Replace/Re-issue Fee $5.00
 Withdrawal on us  free
 Withdrawal Foreign     $1.00
 Withdrawal International          $2.00
 Cash Advance $3.00
 Overdraft Fee no charge
 Add Funds free
 Balance Inquiry free
 # of Transactions unlimited
 Max. Amount per card   $3,500
 # of ATM Withdrawals  5 per day
 Amount of withdrawal  $354 per day
 # of Pinned POS Purchases 10 per day
 Amount of Pinned POS Purchases $500 per day
 # of Cash Advances 3 per day
 Amount of Cash Advances $500 per day
 # of Signature Purchases unlimited
 Amount of Signature Purchases $2000 per day

Other fees may apply and will be disclosed when service is provided.