Person holding a credit card.

Visa Prepaid & Gift Cards

Visa® Prepaid Reloadable Cards

(program discontinued)

The Visa Prepaid Reloadable card program was discontinued in September 2024. Letters were sent to all cardholders that The Southern had a record of informing them of this change. Anyone with a prepaid reloadable Visa card from The Southern was advised to use any remaining balances by May 1, 2025.

If you are still in possession of a Prepaid Reloadable Visa Card, check the expiration date. If it is expired, then all funds are depleted and the card has been closed. If it has not expired, you have until June 30, 2025 and may check card status and balance here.

 

Visa® Gift Cards

Are you looking for the perfect gift but don't want to send cash in the mail? A Visa gift card is a perfect gift!
 
It  can be used anywhere Visa is accepted. Visa gift cards can be purchased in our branches. The purchase fee is $3.00 per card. Follow the link below or call 833.729.2843 to register your Visa Gift Card and select a PIN.
 
 

Visa Gift Card FAQs

 
No, your card is not a credit card. You can only spend the amount of funds
that were originally loaded to the card.
Yes and no. Like a debit card, you can spend only the funds available. However, unlike a debit card, a bank account is not associated with the card.
Your card will be activated upon purchase. You do not need to activate the
card.
Your card can be used for purchases where Visa cards are accepted in the
fifty United States and the District of Columbia.
Via the Internet, access www.cumoney.com/gift and login with your card
number and the 3 digit security code on the back of your card. You can also
select your PIN by calling the toll free number on the back of your card.
Your card can be used to make purchases at merchants who accept Visa
cards, as PIN-based and/or signature merchant transactions.
Yes, you can make purchases on the Internet with your card up to the value
of the card.
When you receive your card make sure that you record the amount of funds
originally loaded to your card and deduct the amount of each purchase. You
can also get your balance anytime by accessing www.cumoney.com/gift or by
calling the number on the back of your card (833-729-2843).
Yes, if the business providing this type of service accepts Visa.
Be aware that your CU cannot control the preauthorization that other retailers try to place on Visa cards. Below are some examples of preauthorization holds: 
  • Automated Fuel Dispenser  $75 Fixed, 5 days
  • Restaurants/Bars  20%
  • Car Rental  $1,000 Fixed, up to 60 days
  • Lodging  $1,000 Fixed, up to 60 days
  • Cruise Lines  15% Hold
  • Internet Gambling  Blocked
  • Taxicabs & Limos  20% Hold
  • Beauty & Barber Shops  20% Hold
  • Health & Beauty Spas  20% Hold
If you use your Card at an automated fuel dispenser (“pay at the pump”), the merchant may
preauthorize the transaction amount up to $75.00 or more. If your Card is declined, even though you have sufficient funds available, pay for your purchase inside with the cashier.
 
If you use your Card at a restaurant, a hotel, for a car rental purchase, or for similar purchases, there may be a preauthorization of the transaction amount for the purchase amount plus up to 20% or more to ensure there are sufficient funds available to cover tips or incidental expenses incurred.

Any preauthorization amount will place a “hold” on your available funds until the merchant sends us the final payment amount of your purchase. Once the final payment amount is received, the preauthorization amount on hold will be removed. It may take up to seven (7) days for the hold to be removed. During the hold period, you will not have access to the preauthorized amount.
 
You do not have the right to stop payment on any purchase or payment transaction originated by use of your Card.

If you authorize a transaction and then fail to make a purchase of that item as planned, the approval may result in a hold for that amount of funds for up to thirty (30) days. All transactions relating to car rentals may result in a hold for that amount of funds for up to sixty (60) days.
No, you will not be charged a fee for making a purchase.
Call the number on the back of your card 833.729.2843 at any time and
follow the recorded instructions. You may also speak with a customer service
representative.
Yes, you can utilize the remaining balance on your card towards a purchase
and pay the difference with another form of payment. Be sure to advise the
clerk of your intent to make this type of "split tender" transaction.
Your available balance can be obtained by accessing the website www.cumoney.com/gift and going to the Account Balance page. You may also call the number on the back of your card.
You can track your spending in two ways:
If you let someone use your card, whatever they do with the card will be considered authorized by you.
If you have the original account number or if you personalized your account online at www.cumoney.com/gift, your card can be replaced and the outstanding balance replaced by visiting any branch. However, if we have no way to verify that the card was yours, the card may not be replaced.