What if I want to purchase an item that costs more than the balance on my card?

To make a purchase of greater value than the balance on your card, you will need to use a second payment method — cash, check, or credit card — to cover the difference. When making your purchase, you must tell the cashier in advance how much to deduct from your card and how much you will pay with the second payment method. However, not all merchants can handle these split tender transactions; and, if you try to purchase an item of greater value than your card balance, your card will be declined.