Visa Gift Cards have a non-refundable processing fee of $3.95 each. The SDCCU Visa Gift Card cannot be reloaded with additional funds, nor can it be used at an ATM (Automated Teller Machine), gas (pay at the pump), cash advances, hotels, auto rentals or to pay for a tip at the end of a service. There is a $2.50 monthly maintenance fee after 12 months of non-use. Up to 48-hours notice may be required for purchases of 10 cards or more. Some restrictions apply. For complete Terms & Conditions, see the Gift Card Terms & Conditions available at any SDCCU branch.