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SCAM ALERT: Scams involving spoofed numbers and the impersonation of local bank employees to obtain customer information are on the rise. PLEASE DO NOT PROVIDE PASSWORDS OR DEBIT CARD PIN NUMBERS. WE WILL NEVER ASK FOR THIS INFORMATION. If you receive a suspicious phone call or text message, please use caution and contact us at the number on the back of your credit or debit card or dial (859) 253-6359.

These are your Central Bank Visa Gift Card Terms and Conditions. In these Terms and Conditions “you” or “your” means the person who has received the Central Visa Gift Card; “we,” “us,” or “our” means Central Bank & Trust Co. located in Lexington, Kentucky; “Card” means the Central Bank Visa Gift Card. Please read the following carefully and keep them for your records. Please sign your Card immediately. By accepting and using your Card, you are agreeing to these Terms and Conditions.

Ownership and use of the card

The Card is activated and ready for use. The default PIN is the last four (4) digits of the card number. If the cardholder wishes to change the PIN, they can call 1-866-510-2974 or go to

The Card is and will remain the property of Central Bank & Trust Co. However, you will be solely and completely responsible for the possession, use and control of the Card. You must surrender the Card to Central Bank & Trust Co. immediately upon request. The Card may not be used for Internet lottery, betting, or gambling transactions or for any illegal transactions. The Card may not be used for recurring or installment payments, cash disbursements (cash advances and ATM withdrawals), or the purchase of money orders.

Your Central Bank Visa Gift Card is issued by Central Bank & Trust Co. and may be used for purchases at all Visa debit merchants.

This Central Bank Visa Gift Card is not a credit card. You may only use it when there is a balance remaining on the Card and only up to the amount left on the Card. Purchases will be deducted from your Central Bank Visa Gift Card until the value reaches zero. If you are given value through the use of the Card greater than the balance remaining, you will pay us on demand the amount by which your transactions exceeded the balance remaining on the Card.

The Central Bank Visa Gift Card is non-reloadable and cannot be reused.

A replacement Card can be issued for the value remaining on any lost or stolen or damaged Card and the original Card will be canceled. There is a $5.00 fee for the replacement Card. This fee will be deducted from your remaining balance at the time a replacement Card is issued.

Foreign Transactions

Special Rules for Foreign Transactions Through VISA Authorization: Any international purchase or cash advance (foreign transaction) will be assessed a transaction fee. The exchange rate between the transaction currency and the billing currency used for processing international transactions is either: a rate selected by Visa from the range of rates available in wholesale currency markets for the applicable central processing date, which rate may vary from the rate Visa itself receives; or the government-mandated rate in effect for the applicable central processing date. The foreign transaction fee equals 1.0% of the transaction amount for all international cross currency transactions and .80% for all international transactions conducted in US currency. Card holder agrees to pay charges and accept credits for the converted transaction amounts in accordance with the terms of this paragraph.

Card Access

You may use your Card to pay for purchases at retail establishments which have agreed to accept the Card and are equipped with a point-of-sale terminal that can process Visa transactions. If you permit someone else to use your Card, we will treat this as if you have authorized this person to use your Card and you will be responsible for any transactions initiated by such person with your Card. Upon any purchase via a point-of-sale device, mail order, telephone order or other purchase transaction, the amount available on the Card will be reduced by the amount of such purchase.

Using the card

1. Any purchase that exceeds the balance on the Card may be declined. If you do not have sufficient funds on the Card, you can request that the merchant charge part of the purchase on the Card and pay the remaining amount with cash or another card. This is referred to as a “split transaction.” Some merchants will only permit split transactions if you pay the remainder in cash, while some may not accept split transactions at all.

2. If you use your Central Bank Visa Gift Card for gasoline purchases, you must pay with the Card at the cashier station. The Card cannot be used for “Pay at the Pump” transactions.

Refusal to honor card

We are not liable for any refusal to honor your Card or any Cash Advance or for any retention of your Card by us, any other bank, or any seller or lessor of goods and services. Issuer has no responsibility for merchandise or services obtained with a Card and any dispute concerning merchandise or services will be independently settled by Holder with the merchant concerned.

Bank's liability for failure to make transfers

If we do not complete a transaction arising from the use of your Card on time or in the correct amount according to our agreement with you, we will be liable for your losses or damages. However, there are some exceptions. We will not be liable, for instance:

  • If through no fault of ours, you do not have enough money on your Card to cover a transaction; or

  • If the terminal or system was not working properly; or

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

Card balance

To check your Central Bank Visa Gift Card balance or to get a summary of the transactions you have made, visit the Central Bank Website at or call toll free 1-866-510-2974.

Lost/stolen cards

If your Central Bank Visa Gift Card is lost or stolen, please call 1-866-510-2974 immediately. A replacement Card will be issued for the value remaining on the Card at the time it is reported lost or stolen and the original Card will be canceled. There is a $5.00 fee for the replacement Card. This fee will be deducted from your remaining balance at the time a replacement Card is issued.

Card Information

For information regarding your Card and in case of questions about your Card, call 1-866-510-2974, or write us at:

Card Services 
P.O. Box 1360
Lexington, KY 40590

If you have a problem with any goods or services you purchase using the Card, you agree to settle any disputes arising from the problem directly with the merchant who provided the goods or services.

Duration of card

Your Central Bank Visa Gift Card is valid for a minimum of five (5) years from the date of purchase, or until all funds have been used, whichever is first. The expiration date will be noted on the front of the Card, or you can check the expiration on our website at or call 1-866-510-2974. We encourage you to use the entire amount before this date. Any transactions that are attempted after the expiration date will be declined.

There will be a $5.00 monthly inactivity fee if the Card is not used for twelve (12) consecutive months (a one-year period).

For example: A Card is purchased on January 2 and was last used on January 17 of the same year. On January 17 of the following year, an inactivity fee of $5 will be assessed each month in which no activity occurs. However, if the Card is used again, an inactivity fee will not be charged again until the Card has not be used for a full year. In this case, if the Card were charged an inactivity fee on February 1 but was used again on February 14, a full year would pass before the inactivity fee would be charged again.

Card is not transferable

Any rights in the Card cannot be resold and are not transferable except in accordance with applicable federal regulations. No assignment, encumbrance or other transfer of the Card will be valid unless our written consent has first been obtained and a memorandum thereof is entered on our records.

Disclosure of card information to third parties

We will not disclose information to third parties about your Card or the transfer/transactions that you make except in the following circumstances:

  • Where it is necessary for completing the merchant transaction; or

  • In order to verify the existence and condition of your Card for a third party, such as a merchant; or

  • In order to comply with a government agency or court orders; or

  • If we, in good faith, believe you have given us your written permission; or

  • In the investigation of alleged fraudulent activity concerning your Card; or

  • In the prosecution of alleged fraudulent activity concerning your Card.


Failure by us to exercise any of our rights under this Agreement shall not be a waiver of any of our rights.


In the event that one or more provisions of this Agreement shall for any reason be held invalid or illegal, such holding will not affect the enforceability of any other provision.

Force Majeure

We will have no liability for any delays or failure of performance caused in whole or in part by fire, labor disputes, power failures, acts of omissions of civil authorities, civil disturbances, computer malfunction, or any causes beyond our control.

Limitation of Liability

You agree that in performing the duties imposed under this Agreement in no event will we be liable for any consequential, indirect or special damages.

Governing Law

This Agreement will be governed by federal law and where not in conflict with federal law, the laws of the Commonwealth of Kentucky, without regard to conflict of law principles.

Schedule of Fees



Purchase fee per Card


Monthly inactivity fee if Card is not used for twelve (12) consecutive months


Replacement Card fee


Other important information

Central Bank Visa Gift Cards are valid for a minimum of five (5) years from the date of purchase, or until all funds have been used, whichever is first. For transaction inquiries, balance inquiries, or to check the expiration date, you can visit our website at or call 1-866-510-2974. To report a Card lost or stolen, please call 1-866-510-2974.