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FAQs
Q. What do I need in order to use my Ozaukee Bank Gift Card?
A. To complete any transaction, you will need your Gift Card. You may either sign a merchant's receipt-of-purchase, or use your Personal Identification Number (PIN) for a Point-of-Sale (Debit) purchase or for a cash withdrawal at an Automated Teller Machine (ATM). Please commit your PIN to memory. Do not write your PIN on your card or keep it in same place as your card.
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Q. Is the Ozaukee Bank Gift Card a credit card?
A. No, your Gift Card is not a credit card; it's a prepaid debit card. You can only spend the amount of money that has been used to fund the Gift Card.
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Q. Is the Ozaukee Bank Gift Card a debit card?
A. Yes and no. Like a debit card, you can spend only the funds that are available on your Gift Card. However, unlike a debit card, you do not have a bank account associated with the card.
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Q. Do I need to activate my Ozaukee Bank Gift Card?
A. Yes, you will need to call toll-free 1-866-261-2645 to activate your card before it can be used. Once your card has been activated you will not need to repeat this process.
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Q. May I change my Personal Identification Number (PIN)?
A. Yes, you may change your PIN through our automated telephone system at 1-866-261-2645 toll free. You can select any four-digit PIN. It is recommended that you not select the last four digits of your Social Security Number as someone unauthorized to use your card could readily identify this.
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Q. Where can I use my Ozaukee Bank Gift Card?
A. You may use your gift card at any merchant locations that accept MasterCard®, or at any ATM that displays a Pulse® or CIRRUS® logo. Please note that fees apply for ATM use at machines not owned by Ozaukee Bank.
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Q. How do I know what I have spent, or have available on my Ozaukee Bank Gift Card?
A. There are three possible ways to check your balance:
-You can perform a balance inquiry at any ATM anytime. If you use an Ozaukee Bank ATM there will be no charge for this. If you use another Institutions ATM there may be a fee for this function.
-Find your balance and transaction history via our automated telephone system at 1-866-261-2645 toll free. (Finding balance and transaction history in this manner is free.)
-Find balance and transaction history on the website. (Finding balance and transaction history in this manner is also free.)
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Q. How can I track my spending?
A. You can track your spending in the following ways:
-You may track your spending via our automated telephone system at 1-866-261-2645 toll free.
-You may also track your spending on the website.
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Q. What do I do if I have a question or problem, such as the card not working or being lost or stolen?
A. If your card is lost or stolen, please call 1-866-261-2645 immediately to report it any time, day or night. Please follow the recorded instructions to close the card out. If your Gift Card is not working properly please call Ozaukee Bank's Client Resource Center at (262) 377-9000 to report the malfunction.
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Q. How do I access funds or account information using an ATM?
A. Insert your card in the machine and follow the instructions for entering your Personal Identification Number (PIN). Once your PIN has been entered successfully, you can choose to withdraw funds or perform a balance inquiry. Always choose a withdrawal or balance inquiry from checking, even though there is technically no checking account associated with your Ozaukee Bank Gift Card.
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Q. Will I be charged a fee if I use my Ozaukee Bank Gift Card?
A. Ozaukee Bank will not charge you a fee to use your Gift Card as you would a credit card at any merchant that accepts MasterCard ®. This would be the payment option that would allow you to sign your name to a receipt. There will be a cost of $2.00 to use your Personal Identification Number (PIN) to access funds with your Gift Card.
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Q. Are my funds secure on my Ozaukee Bank Gift Card?
A. Yes, provided that you take a reasonable amount of care with your Gift Card. Your Gift Card is to be treated as if it is cash. For example a $50-gift card is the same as a $50-bill. It will be important to make sure no one other than you can take possession of your Gift Card. It is also important to memorize your Personal Identification Number (PIN). Never write your PIN on your Gift Card. Never have your PIN in the same place as your Gift Card.
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Q. How do I use the Ozaukee Bank Gift Card to make a purchase?
A. Look for the MasterCard®, Pulse® or CIRRUS® logo on the door or near the cash register to determine if the merchant is a participating merchant. If you don't see the logo, ask an employee if they accept MasterCard®, Pulse® or CIRRUS®. You or the cashier will swipe your card and you will be asked if you would like to process the transaction as either "Debit" or "Credit". To avoid the Point-of-Sale cost of $2.00, simply say "Credit" and sign your name to the receipt of purchase. If you do decide to process the transaction as a "Debit" you would just have to punch your PIN into the merchant's credit card machine keypad.
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Q. Can I use my Ozaukee Bank Gift Card to make a purchase that is in an amount greater than the balance on my Card?
A. Yes and no. You may not make a purchase that exceeds the funds that are available on your Gift Card. You may pay for a portion of the purchase with the funds available on your Gift Card and complete the purchase by an alternate means of payment. This is known as a Split Tender method of payment and not all merchants allow this form of payment. In the event a purchase is processed that exceeds the funds available on your Gift Card, a cost of $24.00 plus the amount of the overdraft will be assessed to the individual who purchased the Gift Card.
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Q. Can I use my Ozaukee Bank Gift Card to make a purchase that is in an amount greater than the balance on my Card?
A. Yes, you may present the gift card for payment inside the gas station. You may not use the "pay-at-the-pump" method of payment.
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Q. Am I able to use my Ozaukee Bank Gift Card for mail-order purchases placed over the telephone?
A. Yes, you may make purchases over the telephone using your Ozaukee Bank Gift Card for the amount specified on your card. In order to successfully place your order, the billing and shipping information of your Ozaukee Bank Gift Card must correspond with the billing and shipping information of the registered user recorded at the time of purchasing your Ozaukee Bank Gift Card. We do advise that you proceed with caution and deal with a reputable firm that you know and trust when placing any orders over the telephone.
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Q. How much money can I apply to my Ozaukee Bank Gift Card?
A. The minimum amount of money that can be applied to your Ozaukee Bank Gift Card is ten dollars ($10.00) with a maximum amount of two-hundred and fifty dollars ($250.00).
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Q. Could I let someone else use my Ozaukee Bank Gift Card?
A. Absolutely not. Keep your card and the card number under your control at all times. Do not tell anyone your PIN or write your PIN on the back of your card.
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