Visa Prepaid Access Cards


A Prepaid Access Card is the most convenient way to carry money.They are more convenient than Travelers Checks and more secure than cash. You can use your Visa*** Prepaid Access card almost anywhere in the world that Visa*** is accepted. It is an excellent choice to give as a gift for Graduation, Weddings, Birthdays, Christmas or any other special occasion. They are also especially helpful to students that attend schools away from home or don't have bank accounts. A Visa*** Prepaid Access card can hold $25.00 to $1,000.00 and have a 7 year expiration date. Please visit our Frequently Asked Questions section for more information.


Our Corporate Incentive  Card is a Visa*** Prepaid Access Card designed for the commercial company that gives bonuses, rewards,incentives or assistance to their employees or members,or customers. It is also a very convenient card for companies that have staff members that travel frequently but don't want to carry large sums of cash. These cards can be structured to meet the needs of your company.

To contact a Bank employee for more information on the Corporate Incentive Card Program, please

click here*

Frequently Asked Questions

What is a Visa*** Prepaid Access Card?

A Visa*** Prepaid Access Card is a pre paid card that allows you to make purchases anywhere Visa*** is accepted. The cards are loaded with a prepaid amount ranging from $25.00 to $1,000.00 and as purchases are made the amounts are deducted from the card.

Who is eligible to purchase a Visa*** Prepaid Access Card?

Anybody over the age of 18 with a valid ID card.

How do I purchase a Citizens Bank of Ada Prepaid Access Card?

Cards may be purchased at any of Citizens Bank of Ada locations for a fee of $4.95 for cards loaded up to $500.00 per card and $9.95 for cards loaded over $500.00 per card.

How do I use my Visa*** Prepaid Access?

For purchases made in stores you can use either your PIN or Signature. To use your PIN, you must swipe the card as a debit transaction and then enter the PIN number. To sign for your purchases, you must swipe the card as a credit transaction and then sign for your purchase. Transactions are limited to $500.00 per day. For ATM transactions, you will select "checking" for withdrawals (fees may apply).

Card Fees:

Use your card soon.Although you may leave unused funds on the Card as long as you wish, a $2.50 Monthly fee will be assessed after 12 months of continuos inactivity. This fee may change upon appropriate notice to you. When you use an ATM other than a Citizens Bank of Ada ATM, you may also be charged fees by third parties for the use of the Card, such as stores and merchants for POS transactions.

Can I use my Visa*** Prepaid Access Card online?

Yes, you can, however some merchants use the address as a means of verification so we recommend that you register your card by logging onto** and entering your name, address and phone number.

What if my purchases are more than the balance on my Prepaid Access Card?

You may inform the cashier that you want to pay with two different methods (Split Transaction), however you must know the balance on your card to do this. Then the cashier will swipe your card for the balance amount and you can pay the difference with cash, credit card, etc.

What do I do if my Prepaid Access Card is lost or stolen?

You must cancel your card immediately by calling: (580) 332-6100 Mon.- Sat. from 8:00am to 8:00pm (CST) (800) 418-3971 Sundays and after hours.Then call us at (580) 332-6100 so we can replace your card and transfer any remaining funds.

Is there anywhere my Prepaid Access Card cannot be used?

Cards cannot be used at Airlines, Car Rental Establishments, Cruise Lines, Casinos, for recurring-billing or to transact a Cash Advance at a financial institution.

Can cards be used at a gas station?

Yes they can, however the card must be swiped inside by the cashier. The card cannot be used at the pump.

What happens when the card is used at a "Tip-Oriented" Merchant?

When a restaurant or other merchant (spas, hair salons, etc.) that is accustomed to adding a "tip" to the amount of the purchase, they may authorize up to 20% over the actual transaction amount. the amount of the bill.

What happens when the card is used at a Hotel/Motel?

When checking into a hotel, the merchant will pre-authorize an amount greater than the actual room rate. They do this to cover incidental charges. These include room service charges, movie rental, etc. If the customer is staying more than one day, the merchant will pre-authorize an even greater amount.

How do I check my balance?

Balances can be checked by calling  (800) 418-3971 or online at**. You can also retrieve 11 months of statements from this website.

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