Your First Debit Gold Discover Network card is supplied un-activated for your protection. You can activate your card by calling our toll free card activation number or go to our online activation screen located at: www.firstdebitgold.com. Look for the "Activate" button.
Upon activation you will be able to use your card with your PIN. You will need your PIN to access cash from ATMs and point of sale merchants. Your PIN will become active immediately.
How do I view my account activity?
You can view all account transactions by logging in to your First Debit account online and selecting "Access My Account". The “Access My Account” screen shows transaction history, spending summary and available balance
What if I need to return an item I purchased?
Always keep your card handy. This way you will have it in case you need to make a return. You’ll need to contact the merchant and follow the merchants return procedures. The value of the merchandise will be available on your card in three to seven days after the return.
Will I need another form of identification when I use the card?
Depending on the merchant, they may require you to present additional identification.
I had enough money in my account to cover the purchase I was attempting to make, but I was still denied. Why?
Unless you checked your balance prior to attempting to make your purchase, it is possible that a service charge or an automatic payment that you have authorized has been deducted from your account, decreasing the balance available to you. If you have access to the Internet, you can check all the transactions on your account to determine your balance whenever you want or call the toll free interactive telephone service.
Can I schedule recurring payments or transactions?
Yes you can! However it will be determined by the merchant that you are going to set this up with. You just have to make sure that there are enough funds on your card when that recurring transaction comes due. "Recurring Transactions" are transactions that are automatically charged to your Card each month with or without your knowledge. Examples of merchants that may use recurring transactions include Internet Service Providers, Health Clubs, Insurance companies that automatically charge monthly premiums to your Card, "Book of the Month Club" type merchants, Cable TV services and the like.
How can I find out how much money is left on the card?
You can check your balance for FREE by using our secure Internet site. For a small fee you can check your balance by using our toll free interactive telephone service; however there will be a small charge for doing this. See Terms and Conditions for more details on fees.
Is there a limit to how much I can spend from my card during one day?
$500 per day is the standard limit for POS merchant purchases.
Can I use more value than I have on the card?
No. But, sometimes a merchant will make a mistake and accept your card even though you didn’t have enough value on it. Should this happen, you are responsible for this payment and an overdraft penalty fee will may be assessed. Please refer to your Cardholder Agreement & Disclosure Statement for more information.
What are the ATM withdrawal and load limits on my card?
With First Debit Prepaid Discover, you can load a maximum of $1000 per day onto the card. Please review the online Cardholder Agreement for the most up-to-date information about your First Debit Gold Discover Network card account. (Login to your account to access the Cardholder Agreement.)
Are the funds on my card insured?
No, your First Debit Gold Discover Network card is not FDIC insured.
How do I buy something that costs more than what is on my card?
You can use a second payment method such as cash, check, or credit for the difference. Let the cashier know how much you will pay with each type of payment before you make your purchase.