CUMONEY® Visa® Virtual Gift Cards
No matter where they are, you can celebrate life's moments together.

It's 2022!  Digital is the way of the future and our current times!

With many people still unable to visit in person, Visa® Virtual Gift Cards offer an easy, fast way for members to connect with their loved ones and share in the celebration of important events!

Characteristics of Virtual Prepaid Cards

Virtual prepaid cards work much the same way as physical cards. Virtual cards include card numbers and must be activated and registered before use. They also can provide the same protections as physical cards but with greater convenience.  The buyer provides the recipient’s email address and phone number, and the loaded cards are delivered by email immediately.  Contact a TopMark Representative for more details! 

How are They Used?

Virtual prepaid cards lend themselves well to online use and can be used to make purchases over the phone. They are generally not usable for in-store purchases or at ATMs. 


Everyday Spend Card  

Visa® Everyday Spend Card (Reloadable)   

This prepaid debit card gives you convenience, access, and security in the palm of your hand. Visa® Reloadable Cards* are perfect for travel, college students, and teens in addition to being a great budgeting tool. They're the new and innovative way to manage your money.

  • Convenient. Make purchases everywhere Visa® cards are accepted - in store, online, or by phone.
  • Reloading funds anytime, anywhere by phone or a digital device
  • Member email and text alert messaging
  • Co-Op ATM Surcharge Free Network
  • Free Internet account balance and transaction history website
  • Free Bill Pay functionality is also provided.
  • Get cash when you need it at more than a million ATMs worldwide.
  • Minimum load is $10, maximum value on the card is $5,000
  • Security. Smart and cost-effective alternative to carrying cash.
  • Control. Spend only what funds you load on the card and track your spending online for improved budgeting and financial management.
  • Fees. Each personalized VISA Reloadable Card has a purchase fee of $5.00;

Everyday Spend Card Disclosure 


How can the cardholder add funds to their card?

There are many ways to add funds to a card:

1) Through the Credit Union using the Prepaid Access website.

2) Online, the cardholder would go to and create an account. Once that is completed, they can log in and add funds with a debit or credit card. Funds will be made available right away.

3) Through VISA ReadyLink, the cardholder can go to and select the option for VISA ReadyLink to find all ReadyLink locations.

4) Through the CUMONEY mobile app:

    a. Using Remote Deposit Capture the cardholder can take a picture of a check to add funds.

    b. Using a credit or debit card.

5) Direct Deposit a. The member can set up Direct Deposit by going on to the site and printing off the direct deposit form under add funds to My Card.


Gift Card

Visa® Gift Cards

Make gift giving easy. Visa® Gift Cards* fit every occasion - holidays, birthdays, weddings, graduations, and they're always well received. Available for a $ 3.95 fee.

  • Accepted most anywhere. Use the Visa® Gift Card wherever Visa® cards are accepted.
  • Convenient. Once you activate the gift card, it can be used immediately. Your recipient can track the transaction history and card balance online.
  • Safer than cash. If a Visa® Gift Card is lost or stolen, the unspent amount can be replaced.
  • Carry a 7-year expiration date

Gift Card Disclosure 


Cardholder Customer Service is available 24/7.  

Gift Cards:
To report a card lost or stolen or to check available balance: 833.729.2843   

Everyday Spend Card 
Check recent activity:    833.729.2853
Ask general questions:  877.850.9650