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Gift FAQ

Frequently Asked Questions :

What is the BB&T Visa® Gift Card?
How does my BB&T Visa Gift Card work?

Buying a BB&T Visa Gift Card

How do I purchase a BB&T Visa Gift Card?
Do I have to be a BB&T client to purchase a BB&T Visa Gift Card?
Is there a limit to the dollar value that can be loaded on the BB&T Visa Gift Card?
Will I be charged a fee for purchasing a BB&T Visa Gift Card?
What should I do if the recipient never receives the BB&T Visa Gift Card I sent?
How do I order BB&T Visa Gift Cards for my business?

Using your BB&T Visa Gift Card

My BB&T Visa Gift Card does not have my name on it. Can I still use it?
How do I know the value of my BB&T Visa Gift Card?
Can I use my BB&T Visa Gift Card at more than one place?
Can I use my BB&T Visa Gift Card at an ATM?
Can I use my BB&T Visa Gift Card to get cash at the checkout?
Are there fees associated with the BB&T Visa Gift Card?
How do I check the balance on my BB&T Visa Gift Card?
How can I purchase an item that costs more than the balance on my BB&T Gift Card?
Do I have to accept the Terms and Conditions described in the Cardholder Agreement?
Can I use my BB&T Visa Gift Card for online or phone purchases?
Can I use my BB&T Visa Gift Card at gas stations?
Can I use my BB&T Visa Gift Card at restaurants?
Can I use my BB&T Visa Gift Card for car rentals, airline tickets or hotels?
What should I do if my BB&T Visa Gift Card is declined?
What if I need to return an item I purchased with my BB&T Visa Gift Card?
What if I change my mind and want to cancel a purchase?
What should I do if my BB&T Visa Gift Card is lost or stolen?
How long can I use my BB&T Visa Gift Card?
What should I do with my BB&T Visa Gift Card once the balance is depleted?
What do I do if I have a remaining balance on my BB&T Visa Gift Card after the good thru date?

Q: What is the BB&T Visa® Gift Card? [back to top]

A: The BB&T Visa Gift Card is a prepaid card, not a credit card. The value of the card is limited to the amount of money loaded on the card by the purchaser. It carries the Visa logo, like any Visa credit or check card, but because it is a prepaid card, your spending is limited to the amount of money placed on the card by the purchaser. The BB&T Visa Gift Card allows you to buy what you want, when you want, at millions of merchants where Visa debit cards are accepted.

Q: How does my BB&T Visa Gift Card work? [back to top]

A: Using your BB&T Visa Gift card for a purchase is similar to using any Visa card. Each time you use your card, the purchase amount is automatically deducted from your available balance. Knowing your balance before you shop will ensure your card is accepted. You can check your balance anytime by visiting BBT.com/giftcard or by calling 1-866-594-2076.



Buying a BB&T Visa Gift Card

Q: How do I purchase a BB&T Visa Gift Card? [back to top]

A: Visit your local BB&T financial center to purchase the Gift Card.

Q: Do I have to be a BB&T client to purchase a BB&T Visa Gift Card? [back to top]

A: Yes, BB&T Visa Gift Cards are sold only to BB&T clients.

Q: Is there a limit to the dollar value that can be loaded on the BB&T Visa Gift Card? [back to top]

A: BB&T Visa Gift Cards can be purchased in any dollar amount you choose from $25 to $500.

Q: Will I be charged a fee for purchasing a BB&T Visa Gift Card? [back to top]

A: Yes, there is a sales fee of $3.95 for each BB&T Visa Gift Card purchased.

Q: What should I do if the recipient never receives the BB&T Visa Gift Card I sent? [back to top]

A: If the BB&T Visa Gift card you sent is not received within a reasonable time, please call 1-866-594-2076 for assistance.

Q: How do I order BB&T Visa Gift Cards for my business? [back to top]

A: To place a large order, please call or visit your local financial center. For large orders, your BB&T Visa Gift Cards may be shipped directly to your office. If you would like more information about purchasing BB&T Visa Gift Cards for your business, click here.



Using your BB&T Visa Gift Card

Q: My BB&T Visa Gift Card does not have my name on it. Can I still use it? [back to top]

A: Yes, you can still use your BB&T Visa Gift Card even though your name does not appear on the card.

Q: How do I know the value of my BB&T Visa Gift Card? [back to top]

A: The original value of your BB&T Visa Gift Card should be noted on the card carrier. You can also check the available balance on your card by visiting BBT.com/giftcard or calling 1-866-594-2076.

Q: Can I use my BB&T Visa Gift Card at more than one place? [back to top]

A: Yes, that's the best feature of the BB&T Visa Gift Card! You can use your BB&T Visa Gift Card at millions of locations where Visa debit cards are accepted in the United States.

Q: Can I use my BB&T Visa Gift Card at an ATM? [back to top]

A: No, you cannot use your BB&T Visa Gift Card to access cash at an ATM or through a cash advance.

Q: Can I use my BB&T Visa Gift Card to get cash at the checkout? [back to top]

A: No, you cannot use your BB&T Visa Gift Card to access cash. The BB&T Visa Gift Card does not have a "cash back" feature.

Q: Are there fees associated with the BB&T Visa Gift Card? [back to top]

A: Yes, there is a $3.00 monthly inactivity fee (effective after 12 months of dormancy). Please see the BB&T Visa Gift Card Cardholder Agreement for complete details.

Q: How do I check the balance on my BB&T Visa Gift Card? [back to top]

A: To check the available balance on your BB&T Visa Gift Card, visit BBT.com/giftcard or call 1-866-594-2076.

Q: How can I purchase an item that costs more than the balance on my BB&T Gift Card? [back to top]

A: When paying for a purchase with your BB&T Visa Gift Card and a second method of payment:
1) let the merchant know in advance you will be using two methods of payment 2) present the card in advance and state the amount to be deducted 3) pay the merchant the difference with a second form of payment - cash, check or credit/debit card.

Q: Do I have to accept the Terms and Conditions described in the Cardholder Agreement? [back to top]

A: Using your BB&T Visa Gift Card signifies that you accept the Terms & Conditions.

Q: Can I use my BB&T Visa Gift Card for online or phone purchases? [back to top]

A: Yes, however you must first register your card, by visiting BBT.com/giftcard. When you make your online purchase or phone purchase, be sure to use the same name, address and phone number you used when you registered your card.

Q: Can I use my BB&T Visa Gift Card at gas stations? [back to top]

A: Yes. However you must give your card to the station attendant and state exactly how much you want to purchase. The BB&T Visa Gift Card cannot be used to pay at the pump.

Q: Can I use my BB&T Visa Gift Card at restaurants? [back to top]

A: Yes. However, you should be aware that many restaurants factor in an automatic tip or other expenses above the purchase amount when authorizing card purchases. If your bill, plus the estimated tip or other expenses, exceeds the balance on the BB&T Visa Gift Card, it may be declined. If this situation occurs, ask the merchant to deduct a specific amount from the card and use another method of payment for the balance.

Q: Can I use my BB&T Visa Gift Card for car rentals, airline tickets or hotels? [back to top]

A: No, the BB&T Visa Gift Card cannot be used for car rentals, airline tickets or hotels.

Q: What should I do if my BB&T Visa Gift Card is declined? [back to top]

A: If a transaction is declined you should first check your balance on the card by visiting BBT.com/giftcard or by calling 1-866-594-2076. If your transaction was declined even though there were sufficient funds on your card, call 1-866-594-2076 for assistance.

Q: What if I need to return an item I purchased with my BB&T Visa Gift Card? [back to top]

A: You may need to present your BB&T Visa Gift Card at the time of merchandise return. If the merchant's return policy allows it, the merchant will credit the amount of the purchase back on your card. Remember to save your receipt and the card even after you have spent all the funds in case there are any merchandise returns.

Q: What if I change my mind and want to cancel a purchase? [back to top]

A: A merchant may cancel the transaction at your request. However, if the merchant has already obtained an authorization for your transaction, funds equal to the authorization amount will not be available for purchases for three to seven business days.

Q: What should I do if my BB&T Visa Gift Card is lost or stolen? [back to top]

A: Report lost or stolen cards immediately by calling 1-866-594-2076. You will need to have the card number to cancel the card and issue a replacement. Keep a record of the BB&T Visa Gift Card number in a safe place, separate from the card, so that you will have the appropriate information to report a lost or stolen card.

Q: How long can I use my BB&T Visa Gift Card? [back to top]

A: You can make purchases using your BB&T Visa Gift Card until the value of the card has been depleted or until the "good thru" date shown on the card.

Q: What should I do with my BB&T Visa Gift Card once the balance is depleted? [back to top]

A: Keep your card, even after the balance is depleted, in case you need to return any purchased items. You may be asked to present the card when returning items purchased with the card.

Q: What do I do if I have a remaining balance on my BB&T Visa Gift Card after the good thru date? [back to top]

A: The Card expires on the Good Thru date and you can no longer use it. Any remaining funds will be forfeited and not accessible to cardholder.




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