Gift Cards FAQ

Thank you for your interest in a Liberty Bank Minnesota Visa® Gift Card.

Below you will find answers to frequently asked questions about our gift card program.

  1. Where can I buy a Liberty Bank Minnesota Visa® Gift Card?
  2. How do I pay for the purchase of my Liberty Bank Minnesota Visa® Gift Card?
  3. How much does it cost to purchase a Visa® Gift Card from Liberty Bank Minnesota?
  4. Do I need to be a customer of Liberty Bank Minnesota to purchase a Visa® Gift Card?
  5. Is there a limit to how much I can load on to the Liberty Bank Minnesota Visa® Gift Card?
  6. How do I know if the Visa® Gift Card I purchase needs to be activated?
  7. Where do I call to activate the Liberty Bank Minnesota Visa® Gift Card?
  8. How do I know what the original balance of my Liberty Bank Minnesota Visa®Gift Card was?
  9. How do I check the current balance and any activity of my Liberty Bank Minnesota Visa® Gift Card?
  10. Where can I use my Liberty Bank Minnesota Visa® Gift Card?
  11. How does my Liberty Bank Minnesota Visa® Gift Card Work?
  12. What happens when I have used all of the funds on my Liberty Bank Minnesota Visa® Gift Card?
  13. Can I withdraw cash using my Liberty Bank Minnesota Visa® Gift Card?
  14. Can money be added to my Liberty Bank Minnesota Visa® Gift Card?
  15. Does my Liberty Bank Minnesota Visa® Gift Card Expire?
  16. Is there a monthly maintenance fee on my Liberty Bank Minnesota Visa® Gift Card?
  17. Is there a fee to replace my Liberty Bank Minnesota Visa® Gift Card if it is lost or stolen?
  18. Does the Liberty Bank Minnesota Visa® Gift Card work at gas stations?
  19. Can certain merchants place a "hold" on the available funds on my Liberty Bank Minnesota Visa® Gift Card?
  20. What should I do if my Liberty Bank Minnesota Visa® Gift Card is lost or stolen?
  21. What do I do if I notice an error on my Liberty Bank Minnesota Visa® Gift Card?

Where can I buy a Liberty Bank Minnesota Visa® Gift Card?

You can purchase Visa® Gift Cards at any Liberty Bank Minnesota branch location. This will be a non-personalized card, so you will be able to take the card with you immediately.

Top

How do I pay for the purchase of my Liberty Bank Minnesota Visa® Gift Card?

You can pay for the gift card from any Liberty Bank Minnesota checking or savings account. You can also purchase the cards with cash.

Top

How much does it cost to purchase a Visa® Gift Card from Liberty Bank Minnesota?

If you have a Primetime Checking Account or a Homeowner Checking Account with Liberty, the Visa® Gift Card is free. Otherwise the fee is $3.00 per card.

Top

Do I need to be a customer of Liberty Bank Minnesota to purchase a Visa® Gift Card?

Yes you need to have a checking, savings, or loan with Liberty Bank Minnesota in order to purchase a gift card.

Top

Is there a limit to how much I can load on to the Liberty Bank Minnesota Visa® Gift Card?

The minimum amount you can load is $10.00 and the maximum amount is $750.00. You must also load even dollar amounts.

Top

How do I know if the Visa® Gift Card I purchase needs to be activated?

The card will have a sticker on the front of it alerting the recipient of the card that it needs to be activated. More than likely your card will not need to be activated.

Top

Where do I call to activate the Liberty Bank Minnesota Visa® Gift Card?

your card is active and ready to go. All you need to do is sign the back of the card and you can begin using it.

Top

How do I know what the original balance of my Liberty Bank Minnesota Visa®Gift Card was?

You can access this original balance by calling 1-866-208-3282, or by logging on to www.libertybankmn.com and clicking on "Check Balance" in the red Visa® Gift Card box.

Top

How do I check the current balance and any activity of my Liberty Bank Minnesota Visa® Gift Card?

You can access your current balance by calling 1-866-208-3282, or by logging on to www.libertybankmn.com and clicking on "Check Balance" in the red Visa@ Gift Card box.

Top

Where can I use my Liberty Bank Minnesota Visa® Gift Card?

You may use your Card to purchase or lease goods or services wherever Visa@ debit cards are accepted as long as you do not exceed the value available on your Card Account. Some merchants do not allow cardholders to conduct split transactions where you would use the Card as partial payment for goods and services and paying the remainder of the balance with another form of legal tender.

Top

How does my Liberty Bank Minnesota Visa® Gift Card Work?

Each time the Gift Card is used the amount that is spent will automatically be deducted from the balance remaining on the Gift Card.

Top

What happens when I have used all of the funds on my Liberty Bank Minnesota Visa® Gift Card?

Your gift card is no longer an accepted form of payment and it should be destroyed.

Top

Can I withdraw cash using my Liberty Bank Minnesota Visa® Gift Card?

No, your gift card can not be used at an ATM. You also are not able to use your card to make cash advances.

Top

Can money be added to my Liberty Bank Minnesota Visa® Gift Card?

No, but if you are a customer of Liberty Bank Minnesota, you can purchase additional cards.

Top

Does my Liberty Bank Minnesota Visa® Gift Card Expire?

Yes, the expiration date is listed on the front of the card.

Top

Is there a monthly maintenance fee on my Liberty Bank Minnesota Visa® Gift Card?

There is a $4.95 per month maintenance fee beginning on the 13th month from the date of the last debit or credit to affect your balance, excluding this fee. This fee will be applied to an remaining balance.

Top

Is there a fee to replace my Liberty Bank Minnesota Visa® Gift Card if it is lost or stolen?

Yes, there is a fee of $15.00 to replace your card.

Top

Does the Liberty Bank Minnesota Visa® Gift Card work at gas stations?

If you use your card at a gas station we recommend that you pay inside and not at the pump.

Top

Can certain merchants place a "hold" on the available funds on my Liberty Bank Minnesota Visa® Gift Card?

If you use your Card at a restaurant, a hotel, for a car rental purchase, or for similar purchases, the merchant may preauthorize 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. This may also be why other purchases are declined.

Top

What should I do if my Liberty Bank Minnesota Visa® Gift Card is lost or stolen?

Contact us at once if you believe your Card has been lost or stolen. Telephoning is the best way to minimize your possible losses. If you believe your Card has been lost or stolen, or that someone has transferred or may transfer money from your Card Account without your permission, call us at 1-866-208-3282. Under Visa® U.S.A. Operating Regulations, your liability for unauthorized Visa® transactions on your Card Account is $0 if you notify us promptly and you are not grossly negligent or fraudulent in the handling of your Card. If you notify us within two (2) business days, you can lose no more than $50 if someone used your Card without your permission. If you do not notify us within two (2) business days after you learn of the loss or theft of your Card and we can prove that we could have stopped someone from using your Card without your permission if you had promptly notified us, you could lose as much as $500.

Top

What do I do if I notice an error on my Liberty Bank Minnesota Visa® Gift Card?

If you become aware of and/or your statement shows transactions that you did not make, notify us at once. If you do not notify us within sixty (60) days after you become aware of the transaction and/or after the statement was made available to you, you may not get back any value you lost after the sixty (60) days if we can prove that we could have stopped someone from taking the value if you had notified us in time and you are grossly negligent or fraudulent in the handling of your Card. If your Card has been lost or stolen, we will close your Card Account to keep losses down.

Top