Gift Cards Now Available! Visit any Merck EFCU branch today!
The Merck Employees FCU Visa gift card is an excellent gift that can be used anywhere that Visa is accepted.
Visit any credit union branch location to purchase one as a gift for your family, friends, or co-workers.
To manage your gift card account or activate your card, use the Manage My Card link on the left side of the page.
How to use your CUMONEY® Visa® Gift Card from Merck Employees FCU
Once you’ve purchased your card from your credit union:
- Sign the back of the Card and you may begin using the Card as soon as you receive it. Your Card is already activated.
- You can select a Personal Identification Number (PIN) by logging into the website or calling us at our toll-free number, 1-833-729-2843.
- Follow the prompts to create a PIN.
- You’re now ready to use the card!
Make purchases everywhere Visa debit cards are accepted in the United States.
You can also use your card and PIN to make purchases everywhere STAR is accepted in the United States. Just present your card at the time of purchase and the amount will be deducted from your card balance.
If you fully register your card on this website by visiting My Profile Page and now you’re ready to:
- Make purchases online and by phone
- Use your card for managing your money with these convenient services:
- Check your transaction history and balance on this secure internet site by logging in. It is FREE to use and available in English and Spanish.
- Update your profile.
- Change your PIN.
Frequently Asked Questions about the Visa® Gift Card
Q. Is my Visa gift card the same as a credit card?
A. No, your card is not a credit card. You can only spend the amount of funds that were originally loaded to the card.
Q. Is my Visa gift card like a debit card?
A. 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.
Q. How do I activate my Visa gift card?
A. Your card will be activated upon purchase. You do not need to activate the card.
Q. Where can I use my Visa gift card?
A. Your card can be used for purchases where Visa cards are accepted in the fifty United States and the District of Columbia.
Q. How do I select my PIN?
A. 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.
Q. What type of purchases can I make with the Visa gift card?
A. Your card can be used to make purchases at merchants who accept Visa cards, as PIN-based and/or signature merchant transactions.
Q. Can I make purchases on the Internet with my Visa gift card?
A. Yes, you can make purchases on the Internet with your card up to the value of the card.
Q. How do I know what I have spent or have available?
A. 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).
Q. Can I use my Visa gift card to buy a money order?
A. Yes, if the business providing this type of service accepts Visa.
Q. What if I have a question or problem such as the card not working or being lost or stolen?
A. 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.
Q. Will I be assessed a fee for using my Visa gift card at participating merchants?
A. No, you will not be charged a fee for making a purchase.
Q. Can I use my Visa gift card to make a purchase that is larger than the balance on my card?
A. 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.
Q. How can I check the available balance on my Visa gift card?
A. 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.
Q. How can I track my spending?
A. You can track your spending in two ways:
- Log in to the website www.cumoney.com/gift.
- Call the toll-free number on the back of your card.
Q. May I, as the Visa gift card recipient, let someone use my card?
A. If you let someone use your card, whatever they do with the card will be considered authorized by you.
Q. Can my Visa gift card be replaced if it is lost or stolen?
A. 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.
