ANB Gift Card FAQ
I have questions about:
General Gift Card Questions
Is this a credit card or a debit card?
Neither! It is a Gift Card. However, it works like a debit or credit card in that it can be used anywhere Visa® is accepted. The key difference is that Gift Cards have a set dollar value, and the user simply spends up to the balance on the card. The total dollar amount of purchases is automatically deducted from the value of the card.
Can my Gift Card be used immediately?
If you have purchased or received an Instant Issue Gift Card, it can be used the same day.
Personalized Gift Cards are special-ordered and delivered by mail, and therefore need to be activated before they can be used. To activate your card:
• Stop by any full-service ANB location
• Call us at (806) 378-8100
• Activate onlineDoes my Gift Card expire?
Yes, the expiration date is printed on the front of the card, and you can use your Gift Card through the last day of the month shown. Also, if your Gift Card is inactive for six months, a $2/month service charge applies. The bank will begin service-charging the account until the balance remaining on the card is zero. So, it is important that you use the full value of the card.
What should I do if my Amarillo National Bank Gift Card is lost or stolen?
Contact ANB immediately at (806) 378-8100 during business hours (1-800-264-5578 after hours). After you cancel the card, we can send you a replacement Gift Card (upon request) with the remaining balance minus a $7.50 reissue fee.
Remember, if you lose this card, it's a lot like leaving cash on the ground. To minimize your risk of loss, it is important that you safeguard your PIN number and sign the back of the card upon receipt. Use extreme caution when using the card around others to make sure your PIN number is not compromised.Do I need to activate my Gift Card?
Instant-issue cards are automatically activated when you buy them — but because Personalized Gift Cards are special-ordered just for you, activation is required after you receive them by mail.
• Stop by any full-service ANB location
• Call us at (806) 378-8100 or 1-800-253-1031
• Activate onlineHow can I find out the balance on my Gift Card?
• Call us at (806) 378-8100 or 1-800-253-1031
• Stop by any ANB ATM location
• Or check balances online
A quick, one-time registration is required for online account access. If you want to register a new Gift Card, click here.Can I reload my Gift Card when the balance reaches zero?
Because Instant Issue Gift Cards are activated at the time of purchase, they can only be reloaded by the original purchaser. Personalized Gift Cards can be reloaded by the recipient.
To reload a Gift Card with funds from your ANB account:
• Call us at (806) 378-8100
• Or stop by any full-service ANB location
There is a $1.50 fee for each reload requested. The minimum load is $15 and the maximum is $1,500.Why do I need to have a PIN for this card?
The recipient of a Gift Card needs to have a PIN in order to protect the card from unauthorized use and find out the remaining balance — which can help avoid embarrassment when making purchases.
How do I obtain a PIN for this card?
If you are the purchaser:
• You will be asked to select a PIN when you purchase the Gift Card.
• Be sure to tell the recipient what the PIN is.
If you are the recipient:
• First, ask the person who gave you the card if they know the PIN. If they've forgotten, or you'd like to change the PIN at a later time, stop by any full-service ANB location.
Questions about making purchases and obtaining cash with your Gift Card
Can I use my Gift Card anywhere — including grocery stores, restaurants and gas stations?
Yes, you can use your Gift Card anywhere that accepts Visa. However, certain merchants may process the card differently, for example:
• At grocery stores and convenience stores, you can use your Gift Card just like a debit card (using your PIN to
authorize the purchase) — or you can run the purchase through as a credit card transaction and sign for it.
• At restaurants, drinking establishments and hair salons, the proprietor might secure an authorization or approval
on your card for up to 40 percent more than the total bill. This is done to take into account a tip/gratuity. Ultimately,
only the amount that you authorize will be deducted from the value of the card.
• At “pay at the pump” gas stations, you can use your Gift Card as long as your remaining balance is more than $50.
If the balance on your card is $50 or less, you will need to go inside and use your Gift Card to pre-pay at the register.Can I make online purchases with my Gift Card?
Yes.
Can I use a Gift Card to withdraw cash from an ATM? How does it work?
Yes. Just insert your card, enter your PIN and push the buttons to withdraw from a “Checking Account.” (Because you've inserted a Gift Card, funds will come out of that account, NOT your personal checking account.)
If you use an Amarillo National Bank machine, no fee will be charged. If you use any other ATM, a $1.25 fee will apply for each withdrawal — in addition to any fees charged by the bank that owns the ATM.May I use my Gift Card to pay for part of a larger transaction?
Yes, please pay the difference first and then submit your Gift Card for the remaining balance. If you present the card first, you will get declined because the merchant's system will try to pull the entire balance from the card.
What if I try to use my Gift Card at a store and the clerk says I'm over my limit, or the card's not working?
This usually happens because your purchase is higher than the remaining balance on the Gift Card. If you know your balance, simply pay the difference first and then submit your Gift Card for the remaining balance.
If you don't know your remaining balance, it's easy to find out:
• Call us at (806) 378-8100 or 1-800-253-1031
• Stop by any ANB ATM location
• Or check balances onlineCan I make a purchase for more than the amount remaining on the Gift Card?
Yes, however you must tell the cashier or merchant the amount you want to pay on your ANB Gift Card and then pay the remainder through other means. If you don't tell the cashier or merchant and try to make a purchase for more than the amount on your Gift Card, the transaction will be declined because you don't have enough money on your Gift Card.
Can I use my Gift Card at more than one merchant?
Yes, as long as you have sufficient funds remaining on the card.
