Coopera Prepaid Reloadable Visa® Card
Terms and Conditions

These are the terms and conditions that govern the use of your Coopera Card. By accepting, using or allowing anyone else to use your Coopera Card, you are agreeing that you have asked, orally or in writing, that (a) a Coopera Card be issued to you; or (b) a renewal or substitute Coopera Card be issued to you. By taking any of the actions listed in the preceding sentence, you agree to these terms and conditions and agree to be bound by them. You may only use your Coopera Card in the manner and for the purposes described in these terms and conditions. You should retain a copy of these terms and conditions. Your card may not be used for illegal purposes or transactions.

Please sign and activate your card immediately upon receipt. See section 2 (Activating Your Card below) for activation details.

1. Definitions:

 “Coopera Card Account” or “Account”– means an account directly or indirectly established by a consumer to which monies may be deposited and then accessed using the Coopera Card at an ATM or Point-of-Sale terminal.

“ATM” – means an Automated Teller Machine. “Card” or “Coopera Card” – the Card issued to you to access funds via an ATM or Point-of-Sale terminal.

“PIN” – means a Personal Identification Number, which is originally assigned by Coopera and then changed by you to a number of your choosing. Your PIN is used to access ATMs for cash and balance inquiries.

“Point-of-Sale (POS)” – means an electronic transaction at a terminal that displays the Visa® debit brand mark at a merchant location at which you may use your Card to pay for purchases in an amount that does not exceed the funds in your Account.

“You,” “your,” and “yours” – means the person who has been issued the Coopera Card.

“We,” “us,” “our,” and “ours” – means Coopera Card sponsoring financial institution, its successors, affiliates or assigns.

2. Activating Your Card

You cannot use the Card until you have activated it by calling the customer service number 866.466.0058 (954.377.4496 outside the U.S.) or by going to  After you have registered your Card, you may obtain your Card’s available balance and obtain a transaction history 24 hours a day, seven days a week at or by calling the customer service number 866.466.0058 (954.377.4496 outside the U.S.) If you do not want to use the Card, please destroy the Card by cutting it in half and then notifying us. We will provide you your remaining balance on your account, less outstanding transactions and fees.

3. Deposits and Loads to Your Account

Deposits to your Account may only be made and/ or authorized by you or us. You may make deposits to your Coopera Card Account by going to www., through direct deposit by your employer, or by going to your financial institution where the Card was purchased. We may deposit funds to your Account in the event we need to reverse an error we have made. Once funds are deposited to your Account, they are available for use. Deposits are limited to a maximum of 15 transaction and $10,000 in a 30 day period. The maximum amount for each deposit is $5000. The maximum amount on your Coopera Card Account amount is limited to $10,000.

4. Using Your Card

a) Sufficient Funds. You must have sufficient, available funds in your Account to pay for all Card transactions. If the purchase amount is greater than the available funds in your Account, you may, at the discretion of the merchant, pay the difference between what is available in your Account and the amount due to the merchant using other means. If a merchant attempts to process your Coopera Card for more than the available funds, the transaction will be declined.

(b) Allowing Someone Else to Use Your Card. If you permit someone else to use your Card, we will treat their use as if you have used the Card and you will be responsible for any transactions on your Card.

(c) Secondary Cards. Up to six secondary cards can be added by the primary cardholder to the Account. We will treat their use as if you have used the Card and you will be responsible for any transactions on the secondary Card. When you use a secondary Card to make a transaction at a Point-of-Sale terminal, an ATM, or to make any purchase, the amount available in your Account will be reduced by the amount of the transaction. Secondary cardholders are not allowed to order additional cards for the Account or load funds to the Account.

(d) Transactions in Currencies other than the U.S. dollar. When you use your Card for a transaction denominated in a currency other than U.S. dollars, the transaction amount will be converted into U.S. dollars by applying an exchange rate selected by Visa®. The rate chosen may vary from the rate Visa® itself receives. When you use your Card in a transaction outside of the United States to make a purchase, obtain a cash advance, obtain a credit voucher, or reverse any of these transactions, the amount available in your account will be reduced by a fee equal to a percentage of the amount of the transaction (expressed as a positive number).
See the Coopera Card Fee Schedule for the foreign exchange processing fee.

(e) Merchant Restrictions. Certain types of merchants, such as gas stations (including pay at-
the-pump card readers), restaurants, car rental agencies, and hotels may obtain an authorization that exceeds the actual amount of your purchase. If the amount of an authorization exceeds the amount of funds in your account, the transactions may not be honored, even though the amount of funds in your account is sufficient to pay for the actual amount of your purchase. These same types of merchants may also hold funds for a period of time until the transaction clears. See www. for more information.

(f ) Disputes with Merchants. You agree to make a good faith effort to settle all disputes about
purchases you make using your Card with the merchant that accepted the Card for a transaction.

(g) Pre-Authorized Transactions. You have the right to cancel a preauthorized payment from your Account. In order to cancel the payment, we must receive your verbal or written instructions at least three (3) business days before the payment is scheduled to be made. You can contact us by calling customer service at 866.466.0058 (954.377.4496 outside the U.S.) or writing to us at P.O. Box 7235 Sioux Falls, SD 57117-7235. If we receive a verbal request for cancellation, we may ask you to provide us with a copy of your written notice to the payee or originator revoking your payment. Documentation must be received within 14 business days from the receipt of notice. If we do not receive the copy within that time period, we may continue to honor any subsequent debits to your Account submitted by the payee/originator. In the event that pre-authorized payments put your Account into a negative balance, we reserve the right to close your Account immediately and pursue actions required to collect on these balances. If these regular payments may vary in amount, the person you are going to pay will tell you, 10 days before each payment, when it will be made and how much it will be. (You may choose instead to get this notice only when the payment would differ by more than a certain amount from the previous payment, or when the amount would fall outside certain limits that you set.) If you order us to stop one of these payments 3 business days or more before the transfer is scheduled, and we do not do so, we will be liable for losses or damages.

5. Statements and Balance Inquiries

Only posted transaction information will be available to you. Such information is available in the following ways:

(a) Periodic Statements. You can access periodic statements by visiting This statement will detail all of your Coopera Card transactions.

(b) Internet Inquiries. You may access your Coopera Card Account via the Internet at On this website you may obtain Account balance information, transaction history, make address changes and review up to the last 60 days of transactions at no cost. Online services may be subject to change.

(c) Your Written Request. You may also obtain at least sixty 60 days of transaction history (from the date we receive your written request) if you write us at P.O. Box 7235 Sioux Falls, SD 57117-7235.

(d) By Phone Request. You may access your Coopera Card Account via phone by calling customer service at 866.466.0058 (954.377.4496 outside the U.S.). You may obtain Account balance information and recent transaction history. See the Coopera Card Fee Schedule for fees associated with phone inquiries.

6. Lost or Stolen Cards, Unauthorized Transactions and Your Risk of Loss

(a) Lost or Stolen Cards. Notify us immediately if you believe your Coopera Card has been lost or stolen, or if you believe a transaction has been made without your permission. Contacting us immediately is the best way of reducing your possible losses. Without immediate notification you could risk losing all of the money in your Account.

If you notify us within 2 business days after you learn of the loss or theft of your Coopera Card, and we can prove use of your Coopera Card could have been prevented your maximum loss is $50. If we do not receive notification within 2 business days after you learn of the loss or theft of your Coopera Card, and we can prove use of your Coopera Card could have been prevented, your maximum loss is $500.

If your statement shows unauthorized transactions, including those made by Card or other means, notify us immediately. If you do not notify us within 60 days after receipt of your statement, you risk total loss of funds if we can prove notification could
have prevented unauthorized transactions on your Coopera Card. If extenuating circumstances prevented you from timely notification, we will extend the time periods.

Our liability under this policy, subject to the further limitations set forth above, is limited to reimbursing you for the amount of your loss up to the face amount of any unauthorized transaction. We are not liable for any special, indirect or consequential damages.

(b) Contact in Event of Unauthorized Use. If you believe your Card has been lost, stolen or used without your permission, call 866.466.0058 (954.377.4496 outside the U.S.) or write to Cardholder Services, P.O. Box 7235, Sioux Falls, SD 57117-7235 You should also call the number or write to the address listed above if you believe a transaction has been made using the information from your Card without your permission.

(c) Business Days. For purposes of these disclosures, our business days are Monday through Friday, with the exception of U.S. holidays.

7. Card Usage and Limitations

(a) Card Usage. Your Coopera Card is not a credit card. It is a prepaid card that can be used at retail establishments that have agreed to accept Visa debit cards. Transactions will be deducted from the Card until the value reaches zero.

You may use your Card at participating ATMs worldwide that display the Visa® brand mark to access your funds and request information on your Account balance (at select ATMs). To access the funds in your account, you will need to enter your four-digit PIN with your Card and follow all ATM instructions. You may also use your Card to purchase goods and services at a Point-of- Sale terminal, at a participating merchant location that displays the Visa debit® brand mark. You may need to enter your PIN with your Card and follow all procedures established by the merchant. Some merchants may not permit you to make partial payments for your purchase using your Card with other forms of payment. The amount of each accepted transaction will be deducted immediately from your account. The ATM and Point-of-Sale purchase receipts will indicate the amount of the transaction, but will not include amounts previously withdrawn by you and any fees, surcharges or other expenses incurred in connection with transactions. If you do not have sufficient funds available, your requested transaction will not be accepted.

(b) Card Usage Limitations. The ATM or POS network, ATM owner, merchant or us may limit the dollar amount of cash withdrawals or purchases from your account through the use of your Card. We may charge a fee for withdrawals or cash advances. The ATM network or owner may also charge a surcharge fee for the ATM transaction, which is in addition to any fees charged by us. See the Coopera Card Fee Schedule for transaction fees and transaction limitations. By using your Card, you agree not to initiate a withdrawal or purchase transaction which will exceed the available funds in your Account. You authorize us to verify the balance of your Account prior to completing any transaction. Should you happen to withdraw or use
more funds than are available in your Account, we will deduct sufficient funds when you make your next deposit/load.

(c) Charges and Fees. You agree to pay all fees associated with your Account, as set out in the
Coopera Card Fee Schedule. Fees will be deducted from your Account as they arise. You may incur additional fees such as those imposed by non network ATMs. Fees are subject to change.

(d) Confidentiality. We will disclose information to third parties about your Account or the transfers you make; as permitted by law:

(i) Where it is necessary for completing transfers, or

(ii) In order to verify the existence and condition of your Account for a third party, such as a credit bureau or merchant, or

(iii) In order to comply with government agency or court orders, or

(iv) If you give us your written permission.

(e) Our Liability. If a transaction to or from your account is not completed in a timely manner or in the correct amount, and such error did directly and solely arise from our acts or omissions, we will be liable for your direct damages. In no event shall we be liable for any special, indirect or incidental damages. The following are examples, but in no way an exhaustive list, of instances where we will not be liable because the error was not directly and solely caused by us:

(i) If, through no fault of ours, you do not have enough money in your account to make the transfer.

(ii) If the transfer would take the Card balance into a negative amount.

(iii) If the automated teller machine (ATM) where you are making the transfer does not have enough cash.

(iv) If the terminal system was not working properly and you knew about the breakdown when you started the transfer.

(v) If circumstances beyond our control (such as fire or flood) prevent the transfer, despite reasonable precautions that we have taken.

8. Claims by Third Parties

If any third parties make claims against the funds in your Account we may, without notice to you:

(a) Obey any order from a court concerning your Account;

(b) Freeze the Account pending resolution of the claim;

(c) Pay the funds in your Account into a court of competent jurisdiction for determination
regarding the claim;

(d) Follow any applicable law regarding liens, garnishments or other proceedings. If we take any of these actions, we are not responsible to you for any such actions or for refusing to honor transactions by you that may be affected by these actions.

9. Unusual Activity

If we detect activity on your Account that is inconsistent with a regular pattern of use on your account, for your protection, we may freeze the funds in your Account until we have verified with you that the activity was authorized by you.

10. Transfer and Assignment

Your Account and Card are not transferable or assignable for any reason without written authorization from us. We may assign ownership of the Card and/or our obligations under these Terms and Conditions at any time without consent or notice to you.

11. Errors

In case of errors or questions about your Coopera Card or Account, please call us at 866.466.0058 (954.377.4496 outside the U.S.) or write us at P.O. Box 7235 Sioux Falls, SD 57117-7235. If you believe an error has occurred in your Coopera Card or Account, please contact us immediately. You must report an error within 60 business days after the earlier of the date you electronically accessed your Account, if the error could be viewed in your electronic history, or the date we sent the first written history on which the error appeared. You may request a written history of your transactions at any time by calling us at 866.466.0058 (954.377.4496 outside the U.S.) or writing us at P.O. Box 7235 Sioux Falls, SD 57117-7235. You will need to provide us the following information:

(a) Your name and Coopera Card Account number;

(b) Why you believe there is an error;

(c) The dollar amount involved;

(d) Approximately when the error took place.

If you tell us orally, we may require that you send us your complaint or question in writing within10 business days. We will determine whether an error occurred within 10 business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45 days to investigate your complaint or question. If we decide to do this, we will credit your Account within 10 business days for the amount you think is in error, so that you will have the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within 10 business days, we may not credit your Accounts.

For errors involving new accounts, Point-of- Sale, or foreign initiated transactions, we may take up to 90 days to investigate your complaint or question. For new accounts, we may take up to 20 business days to credit your Account for the amount you think is in error.

We will tell you the results within 3 business days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of the documents that we used in our investigation.

 If you need more information about our error resolution procedures, call us at 866.466.0058
(954.377.4496 outside the U.S.) or visit www.

12. Termination

The Card is our property at all times. We may, at any time and without prior notice to you, cancel your Card and require you to return it to us. Termination of the Card will not affect prior transactions or obligations existing at the time of termination. Upon termination, we will provide you your remaining balance on your account, less outstanding transactions and fees. We may close your Account without your consent if your Card has a zero balance and has had no activity (usage or value loads) for a period of 90 days.

13. Modification of these Terms and Conditions

We may modify, change or amend the Terms and Conditions applicable to your Card at any time. We will provide you with notification or a written copy of any modifications, changes or amendments, as required by law.

14. Governing Law and Severability

These Terms and Conditions, the Coopera Card and all transaction and issues related to the Coopera Card are subject to the laws of the state in which our main office is located, the laws of the United States and Visa® rules and regulations. If any part of these Terms and Conditions is determined to be invalid or unenforceable, such a determination will not affect the validity and enforceability of the remaining Terms and Conditions.

15. Limitation of Liability

Our liability is limited to that which is expressly set forth in these Terms and Conditions.

Spanish translations of disclosures and materials, if provided, are provided as a courtesy. In the event of any discrepancy between the English version and the Spanish version of any disclosure or material that has been provided, the English version will control and supersede any Spanish version for all purposes including legal purposes. Subsequent disclosures and materials may be provided to you in English only. If any disclosures or materials are provided in English only, and if you do not understand the English version that has been provided, it is your sole responsibility to obtain a translation.