PNB GIFT CARD
 
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Parish National Bank Visa Gift Card Terms & Conditions

These are your Parish National Bank Visa Gift Card Terms & Conditions.  In these Terms & Condition “you” or “your” means the person who received the Parish National Bank Visa Gift Card; “we”, “us”, or “our” means Parish National Bank located in Covington,  La.; “Card” means the Parish National Bank Visa Gift Card.  Please read the following carefully and keep them for your records.  Please sign your Card immediately.  By accepting and using your Card, you agree to these Terms & Conditions.

 

Lost/Stolen Card or Unauthorized Use

Though you may not be liable for the unauthorized use of your Card, you must notify us of the loss, theft or possible unauthorized use as soon as it is known to you in order to limit any potential loss.  If you believe your Card has been lost or stolen, call or write to us at the telephone number and address listed as follows: 1-800-201-3534, 24 hours a day, 7 days a week, or write to: Parish National Bank, Card Services Department, P. O. Box 1470, Covington,  La  70433.   A replacement card or check will be issued for the value remaining on the Card at the time it is reported lost or stolen and the original card will be canceled.  There is a $10.00 service charge for the replacement card.  If the remaining balance on the card is less than $35.00,  a check will be issued instead of  a new card and you will be charged a $15.00 check issuance fee.

 

Card Activation

Before using your Parish National Bank Visa Gift Card, you must activate it with your personal identification number (PIN) by visiting www.parishnational.com or by calling 1-800-675-1001.   You must sign the back of the card before you can use the Card.

 

Card Usage

Your Parish National Bank Visa Gift Card may be used for purchases at merchants where Visa debit cards are accepted.  Your daily point-of-sale limit will not exceed $1,000.00.

 

The use of your Card to purchase goods and services from merchants and at ATM locations constitutes a simultaneous demand against and withdrawal from the value stored on your card.

 

This Gift Card is not a credit card.  You may only use it up to the remaining balance on the card.  Purchases will be deducted from your Card until the value reaches zero.   If the purchase exceeds the balance on the card you must pay the difference.   If you are given a value through the use of the Card greater than the balance remaining, you will pay us on demand the amount by which your transactions exceeded the balance remaining on the Card.  There is a fee of $29.00 per excess use if the Card is used in excess of amount stored on the Card.

 

The Card and Pin are provided for your use and protection, and you will:

 

·          Not disclose the Pin nor record it on the Card or otherwise make it available to anyone else;

·          Use the Card, the Pin and ATM as instructed;

·          Promptly notify us of any loss or theft of your Card or Pin;

·          Be liable for any transaction made by a person you authorize or permit to use your Card or Pin or both.  If you authorize someone else to use your Card or Pin, you will be responsible for any transactions initiated by such person with your Card or Pin; and

·          Be responsible for all authorized transactions initiated by use of your Card.

If you have a problem with any goods or services you purchase using the Card, you agree to settle any disputes arising from the problem directly with the merchant who provided the goods or services. 

Cash Transactions

You are permitted to use the Card to access cash at an ATM with your Personal Identification Number (PIN).  There is an ATM/Cash Access fee of $2.50 per ATM transactions regardless of which institution owns the ATM.  (When you use an ATM not owned by us, you may be charged an additional fee by the ATM operator or any network used to complete the transfer.)  You may obtain up to $500.00 per day in cash from ATM that displays any of the logos appearing on your Card.

 

Reloadable or Non-reloadable

If your Parish National Bank Visa Gift Card is personalized with your name on it, it may be reloaded by visiting www.parishnational.com or by calling 1-800-201-3534.

If your Card is an Instant Issue (not personalized with your name) it is non-reloadable and cannot be reused.

 

Monthly Maintenance Fee

There will be a $2.00 monthly maintenance fee deducted from the balance remaining after 6 months from issue.  After 12 months from issue the monthly maintenance fee will increase to $5.00 per month.  For balance inquiries call 1-800-201-3534.

 

Transaction Restrictions

Your Card may not be used for International transactions. 

 

You may not make pre-authorized regular payments through the use of your Card.

 

The Card can be used at gas stations; however, at gas stations with a “pay at the pump” capability, the card cannot be authorized directly at the pump.  Simply present the Card to the attendant for payment. 

 

If your purchase amount is greater than the amount available on your Card, the difference can be paid with another form or payment, depending on the policy of the merchant.  You must know the amount available on your Card and inform the merchant to process the transaction in that amount. If you are given a value through the use of the Card greater than the balance remaining, you will pay us on demand the amount by which your transactions exceeded the balance remaining on the Card.  There is a fee of $29.00 per excess use if the Card is used in excess of amount stored on the Card.

 

Personalized Cards are nontransferable.  The cardholder is the person whose name is embossed on the front of the card and is the only person authorized to use the card.

 

You may use your Card only in the manner and for the purposes authorized by these Terms & Conditions.  You do not have the right to stop payment on any point of any point-of-sale transaction originated by use of your Card.

 

Replacement Cards

A replacement card can be issued for the value remaining on any damaged, expired, lost, or stolen Card and the original card will be canceled by 1-800-201-3534.  There is a $10.00 Card Replacement fee for issuing a new card. 

 

Duration of Card

Your Card is valid until the “Good Thru” date shown on the front of your Card.  We encourage you to use the entire gift amount before this date.  Any transactions that are attempted after Good Thru date will be declined.  Upon your request we will issue a check for the balance remaining on your expired Card minus a $15.00 Check Issuance Fee.

 

Errors and Problems

If you think there is an error involving a transaction made with your Card such as a purchase you didn’t make or an incorrect amount charged to your Card, please call us at 1-800-240-3271 or write us at:

 Parish National Bank

 P. O. Box 1470

 Covington,  La  70434

We must hear from you within 60 days. You will need to provide:

 

·          Your name and PNB Visa Gift Card number

·          The dollar amount of the suspected error and approximately when the error took place

·          Describe the error and explain, if you can, why you believe there is an error.  If you need more information describe the item you are not sure about.

 

If you tell us orally, we will require that you send your complaint or question in writing within 10 business days.  Generally, we will tell you the results within 10 business days after we hear from you and will correct any error promptly.  If we need more time, however, we may take up to 45 calendar days to investigate your complaint or question.  If we decide to do this, we will re-credit your Card within 10 business days for the amount you think is in error so that you will have the use of the money during the time it takes us to complete our investigation.  If we do not receive your complaint or request in writing within 10 business days, we may not re-credit your Card.  If notice of an error involves a point–of-sale debit, or occurred within 30 days after the Card was issued, the applicable time period for completing an investigation will be 90 calendar days in place of the 45 calendar days.  A written explanation will be sent to you within 3 business days after the investigation of the alleged error has been completed.  You may ask for copies of documents that we used in our investigation. 

 

Your Liability For A Lost/Stolen Card or Unauthorized Transfers

Telephoning us at the phone number listed under “Lost/Stolen Card or Unauthorized Use” section above is the best way of keeping your possible losses down.  You may also write us at the address listed in  “Lost/Stolen Card or Unauthorized Use” above.  If you tell us within 2 business days after you discover the loss or theft of your Card, you can lose no more than $50.00 if someone used your Card without your permission.  If you do not tell us within 2 business days after learning of the loss or theft, you may be liable for up to $500.00 if someone used your Card without your permission.

 

Cancellation

Parish National Bank retains the right to amend or discontinue the Parish National Bank Visa Gift Card program and these Terms & Conditions at any time at our discretion.  The Parish National Bank Visa Gift Card will remain our property.  We may cancel your rights to use the Card at any time and have you return the Card to us.  There is a check issuance fee of $15.00 to close the Card and receive a check for the value remaining on the Card.

 

Other Terms & Conditions

Parish National Bank will not be liable to you for failure to honor the Card.

 

The Parish National Bank Visa Gift Card is not an FDIC insured deposit.

 

You must notify us immediately if your address has changed.  To update your information by using the Gift Card link on our website, www.parishnational.com or you may contact us in writing at the address listed below.  Your letter should include the new address, phone number, your name, and Card number:

  Parish National Bank

  Card Services Department

  P. O.  Box 1470

  Covington,  La  70434-1470

Questions or Concerns

If you have any questions concerning your Parish National Bank Visa Gift Card, please contact us at 1-800-240-3271.                                                                                         

 

 

 
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