Gift Card FAQs

How can I check the balance on my Gift Card?

Log on to My Gift Card to check balances and transaction history or contact the 24 hour Customer Service line on the back of your Visa Gift Card 1-866-902-6082.

What should I do when the merchant’s sales terminal asks me to press “Debit” or “Credit”?

You should always press the “Credit” button. Although the Visa Gift Card is not a credit card, the transaction is processed like one. You should always sign a sales receipt.

When I swipe my card, the terminal asks me input my PIN.  What is my PIN?

A Personal Identification Number (PIN) is not issued with the Ideal Credit Union Visa Gift Card.  If a PIN is requested, simply press “Cancel” on the terminal, then select “Credit” to complete your transaction.

What if the item I want to purchase exceeds the value of my Gift Card?

If the purchase amount exceeds the available card balance, then you must inform the merchant of the amount you want to pay with the Visa Gift Card and that you will pay the difference.  If the purchase amount exceeds the available balance of the Visa Gift Card, the transaction will not be approved.

What do I do if I need to return an item?

In the event you need to return an item you purchased with your Visa Gift Card, the merchant will handle the item in accordance with Visa guidelines and merchant return policies.  The merchant may credit your card (put the funds back on the card) thereby increasing your available funds.

What do I do if the Gift Card Funds are spent?

When you have depleted all the funds on the card and no returns are necessary, simply destroy and discard the card.

What should I do if my Visa Gift Card is lost or stolen?

Contact Idedal Credit Union’s Visa Gift Card Center immediately at 1-866-902-6082.  Additionally, read the Ideal Credit Union Visa Gift Card Terms and Conditions contained in this cardholder for important Visa Gift Card information.

What is the Visa Gift Card and how is it used?

Your Ideal Credit Union Visa Gift Card is a prepaid Visa Debit Card with a specific dollar value.  Your Visa Gift Card and its value are accepted at most places Visa Debit is accepted. See Terms and Conditions for further information.

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2018 Holiday Hours


New Year's Day
Monday, January 1st
All locations closed.


Martin Luther King Jr Day
Monday, January 15th
All locations closed.


Presidents' Day
Monday, February 19th
All locations closed.


Good Friday
Friday, March 30th
All locations open regular business hours
Lobby - 9:00 a.m. to 5:00 p.m.
Drive-thru - 9:00 a.m. to 5:30 p.m.


Memorial Day
Monday, May 28th
All locations closed.


Independence Day
Wednesday, July 4th
All locations closed.


Labor Day
Monday, September 3rd
All locations closed.


Columbus Day
Monday, October 8th
All locations closed.


Veterans Day
Monday, November 12th
All locations closed


Thanksgiving Day
Thursday, November 22nd
All locations closed.


Day after Thanksgiving
All locations are open regular business hours
Lobby - 9:00 a.m. to 5:00 p.m.
Drive-thru - 9:00 a.m. to 5:30 p.m.


Christmas Eve
Monday, December 24th
All locations open regular business hours
Lobby - 9:00 a.m. to 5:00 p.m.
Drive-thru - 9:00 a.m. to 5:30 p.m.


Christmas Day
Tuesday, December 25th
All locations closed.


New Year's Eve
Monday, December 31
All locations open regular business hours
Lobby - 9:00 a.m. to 5:00 p.m.
Drive-thru - 9:00 a.m. to 5:30 p.m.


New Years Day
Tuesday, January 1st
All locations closed