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Terms & Conditions



Terms and Conditions for the prepaid card

This document constitutes the agreement ("Agreement") outlining the terms and conditions under which a Prepaid Visa® Card ("Card") has been issued to you. By accepting and using this Card, you agree to be bound by the terms and conditions contained in this Agreement. In this Agreement "You" and "your" mean the person or persons who have received the Card and are authorized to use the Card as provided for in this Agreement. "We," "us," and "our" mean STATE FARM BANK, F.S.B. ("State Farm Bank") our successors, affiliates or assignees. You agree to sign the back of the Card immediately upon receipt. The Card will remain the property of STATE FARM BANK and must be surrendered upon demand. The Card is nontransferable, and it may be canceled, repossessed, or revoked at any time without prior notice subject to applicable law. Please read this Agreement carefully and keep it for future reference.


The Card is a Prepaid Card loaded with a specific claim on goods and services, redeemable anywhere Visa debit cards are accepted. The Card is not connected in any way to any other account and the value associated with your Card is not FDIC insured. The unused balance on your Card does not earn interest. Our business days are Monday through Friday excluding holidays. Saturday, Sunday, and federal holidays are not considered business days, even if We are open.

Authorized Users

You may permit another person to have access to the Card or Card number. However, if You do, You are liable for all charges and fees incurred by any other person You have authorized. You are wholly responsible for the use of the Card according to the terms of this Agreement.

Activating Card

Before using your Card, You must activate it by calling toll-free 1-866-215-4237. You may be required, for validation purposes, to provide personal information. After the card is activated, You may establish a Personal Identification Number (PIN) for use in performing balance inquiries on your card. We urge You to register the Card in your name at promptly, upon receipt. By registering the Card, We can establish your relationship to the Card in the event it is lost, stolen, or destroyed. In addition, Internet, mail and phone order purchases may require that the Card first be registered in order to use it for such a transaction.

You may set up your PIN after activating your Card at the toll-free number 1-866-215-4237.

Using Your Card

You may use the Card to obtain goods or services wherever the Card is honored. Although this Card does have a personal identification number ("PIN"), it cannot be used to obtain cash at an ATM, branch location, cash back at a merchant terminal or to make preauthorized regular payments. This Card is not reloadable and cannot be reused. Except for Internet, mail or phone order purchases, You must sign for purchases made with your Card or use your four digit PIN.
If You use the Card number without presenting the Card (such as for an Internet, mail or phone order purchases), the legal effect will be the same as if You used the Card itself. For security reasons, We may limit the amount or number of transactions You can make on the Card. You may not use the Card for any illegal transaction. You do not have the right to stop payment on any transaction made with the Card. Each time You use the Card, You authorize us to simultaneously deduct the amount of the transaction from the balance of the funds associated with the Card, even though transactions may not actually be posted until a later date. You are not allowed to exceed the balance of the funds available on the Card, through an individual transaction, or a series of transactions. Merchants generally will not be able to determine the available balance on your Card, so You need to know the exact balance.

Point-of-Sale Transactions

If You wish to use your Card for purchases at merchants that accept Visa debit cards, You may use it as You would a credit card, by selecting the “credit” payment option and signing the sale receipt or You may select the “debit” payment option and enter your four digit PIN.


At an ATM displaying the NYCE® logo, You may obtain balance information for the Card. You may not obtain cash from the ATM, even though You may have a remaining balance on the Card. When You use an ATM not owned by State Farm Bank, You may be charged a fee by the ATM operator for the balance inquiry.

Split Transactions

If You wish to use the Card for a purchase which is greater than the balance of the funds available on the Card, You must first inform the merchant before completing the transaction. If You fail to inform the merchant prior to completing the transaction, the Card may be declined. The merchant will require payment for the difference in cash or some other means of payment. This is called a “split tender” transaction because You would be “splitting” the purchase between your Card and another form of payment. Some merchants may not accept split transactions.

Gas Stations

If You pay at the pump for gas, the card terminal in the "pay at the pump" stations automatically checks to see if your Gift Card has enough money left to pay for an average purchase of gas, which varies among merchants and is at least $75. If your Gift Card does not have enough money to pay for this amount, your transaction will be declined. The average gas purchase amount changes just as retail gas prices change. If You plan to buy less than $75 worth of gas, it is recommended that You give your card to the station attendant and state exactly how much gas You want to purchase, instead of swiping your card at the pump.


Restaurants, spas, hair salons, and other merchants with employees receiving tips, may add a percentage to the amount to be authorized to cover tips, and other possible additional charges that they anticipate You will add to the bill. As a result of this increased authorization request, if You have insufficient available balance on your Card to cover the amount that the merchant requested us to approve, your Card may be declined. If You have more than sufficient available balance on your Card to cover the amount that the merchant requested us to approve, it may result in a “hold” on your available balance for the additional amount if You do not add the amount they anticipate. Once the merchant sends us the final transaction amount You designate, We will remove the “hold” on your available balance for any additional amount exceeding the final transaction amount. This may take 3 to 7 days and during this period You will not be able to use any Available Funds in a “hold” position. To avoid a decline of, or a hold on, the available balance on your Card, You can ask the merchant to authorize a specific dollar amount. We do not guarantee that the merchant will fulfill this request.

Internet, mail, phone orders

Internet, mail, and phone order purchases may require that We have the correct name and home address of the Card owner on file. If You wish to make Internet or mail order purchases, You will need to go to and register your Card by entering your name and home address prior to performing an Internet, mail or phone order transaction.

Gaming and Wagering Transactions

The Card is not to be used for any gaming or wagering transactions, including transactions for casino chips, bets, wagers, Internet gambling or any other gaming or wagering transaction. We will decline transactions for casino chips, bets, wagers, Internet gambling or any other gaming or wagering transaction.

Card Activity Information

You can review the Card balance and the last five (5) transactions activity record by calling toll-free 1-866-215-4237 or by visiting where full details are available free of charge. This information is available to You 24 hours a day, 7 days a week. You are responsible for keeping track of the available balance on your Card. We strongly urge You to review regularly your Card's online transaction history. Your failure to review could affect your rights with regard to unauthorized transactions or transaction errors. The Card account number and some of the information requested when You activated the Card are required for authentication.

Card Expiration

Your Card can be used to make purchases until the entire value has been used or the expiration that appears on the front of the Card, whichever occurs first. The Card will expire 60 months after issuance, and the expiration date is printed on the front of the Card. After the expiration date, the Card may no longer be used; however, if there is a remaining balance on the Card at that time, You may request a replacement card at no charge by contacting us at 1-866-215-4237. Hearing and speech impaired individuals, please dial 711.

Card Liquidation

You may elect to have the remaining balance on your Card sent to your personal checking account before the Card expiration date by selecting the "Unload Funds" option at You will be required to provide your bank routing number and your bank account number.

Replacement of Lost, Stolen or Damaged Cards

If the Card is lost, stolen or damaged, please call or write to us at the address or telephone number listed below. If our records show that there is still an available balance remaining on the Card, We will cancel the Card and, at our discretion, either: (i) cut a check/ACH; or, (ii) send You a replacement Card by regular mail. The replacement Card will be in the amount of the available balance on your lost or stolen Card at the time You notified us. We will deduct a $10 replacement fee from your available balance. We cannot provide a replacement Card if You do not have your Card number available.

Inactivity Fee

The Inactivity Fee will begin after 12 months of inactivity. We will begin assessing an Inactivity Fee of $2.50 each month until there is activity on the card or the balance on the Card reaches $0.00.

Returns and Refunds

If You are entitled to a refund for any reason for goods or services obtained with the Card, You agree to accept credits to the Card for such refunds.

Transactions Made in Foreign Currencies

If a transaction is made in a foreign currency, We and Visa International will convert the transaction into a U.S. dollar amount. Visa will act in accordance with their operating regulations or conversion procedures in effect at the time the transaction is processed. A rate selected by Visa from the range of rates available in wholesale currency markets for the applicable central processing date, which rate may vary from the rate Visa itself receives, or the government mandated rate in effect for the applicable central processing date, in each instance, plus or minus any adjustment determined by the Issuer. The currency conversion rate calculated in this matter that is in effect on the processing date may differ from the rate in effect on the transaction date or the posting date. When any transaction must be converted back into a foreign currency because of a refund or other reversed transaction, the same currency conversion formula will apply.


You should get a receipt at the time You make a transaction using the Card. You agree to retain your receipt to verify your transactions.


Please refer to the State Farm® Notice of Privacy Policy concerning information collection and sharing, a copy of which can be obtained from a State Farm agent, on our Web site at® or by calling us at 1-877-SF4-BANK (1-877-734-2265).

Our Liability for Failure to Complete Transactions

If We do not properly complete a transaction from the 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 funds available on the Card to complete the transaction;
  • If a merchant refuses to accept the Card;
  • If an electronic terminal where You are making a transaction does not operate properly, and You knew about the problem when You initiated the transaction;
  • If access to the Card has been blocked after You reported the Card lost or stolen;
  • If circumstances beyond our control (such as fire, flood or computer or communication failure) prevent the completion of the transaction, despite reasonable precautions that We have taken;
  • Any other exception stated in our Agreement with You.

Your Liability for Unauthorized Transactions

Contact us AT ONCE if you believe the Card has been lost or stolen or the secrecy of your PIN is compromised. The security of your Card depends upon You maintaining possession of it and the secrecy of your PIN. Call or write to us at the address or telephone number listed below. Telephoning is the best way to minimize your possible losses. If You tell us within two (2) business days after You discover the loss or theft of the Card You may not be responsible for any losses. If You fail to notify us within two (2) business days You will be responsible for up to $50 of any losses resulting from the loss or theft.

Other Terms

The Card and your obligations under this Agreement may not be assigned. We may transfer our rights under this Agreement. Use of the Card is subject to all applicable rules and customs of any clearinghouse or other association involved in transactions. We do not waive our rights by delaying or failing to exercise them at any time. If any provision of this Agreement shall be determined to be invalid or unenforceable under any rule, law, or regulation of any governmental agency, local, state, or federal, the validity or enforceability of any other provision of this Agreement shall not be affected. This card is issued by STATE FARM BANK F.S.B. pursuant to a license from Visa U.S.A. Inc. This Agreement is governed by Federal law and the laws of the State of Illinois to the extent that Federal law is not controlling.

Amendment and Cancellation

We may amend or change the terms of this Agreement at any time. You will be notified of any change in the manner provided by applicable law prior to the effective date of the change by sending a notice to You to your last address as shown on our records. However, if the change is made for security purposes, We can implement such change without prior notice. We may cancel or suspend the Card or this Agreement at any time. You may cancel this Agreement by returning the Card to us. Your termination of this Agreement will not affect any of our rights or your obligations arising under this Agreement prior to termination.

Information About Your Right to Dispute Errors

Telephone or write us at the telephone number or address listed below, as soon as You can, if You think your receipt is wrong or if you need more information about a transaction. 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:

  • Provide your name and Card number.
  • Describe the error or the transaction you are unsure about, and explain as clearly as You can, why You believe it is an error or why You need more information.
  • Provide the dollar amount of the suspected error.

If You provide this information orally, We may require that You send your complaint or question in writing within 10 business days. We will determine whether an error occurred within 10 business days after We hear from You and will correct any error within one business day. If We need more time, however, We may take up to 45 days to investigate your complaint or question. For errors involving a recently issued Card, point-of-sale, or foreign-initiated transactions, We may take up to 90 days to investigate your complaint or question. We will tell You the results within three business days after completing the investigation. If We decide that there was no error, We will send You a written explanation. You may ask for copies of the documents that were used in the investigation.

Cardholder Services
P.O. Box 7235
Sioux Falls, SD 57117-7235





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and State Farm Bank, F.S.B., Bloomington, Illinois.
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