This agreement contains information about your Johnson Financial Group Visa Gift Card ("Card"). In this Agreement, the terms "you" and "your" mean the person that has received the Card. "We", "us" and "our" mean Johnson Financial Group, our successors, affiliates or assigns. Business days are defined as Monday through Friday, excluding federal holidays.

Read and review this Agreement carefully and retain it for your records. When you purchase, sign, or use your Card, or allow another person to use your Card, you agree to be bound by this Agreement. Go to to view the most recent Gift Card Customer Agreement.

Activating Your Card

To use your Card you must activate the Card and setup a four (4) digit Personal Identification Number ("PIN") for your Card by calling us at 800-538-7670 and following the telephone prompts. You will be asked to enter your Card number and (the three (3) digit CVV code on the back of the Card). You will be allowed to select your own 4-digit PIN at this time. Once you have completed the activation process your card will be ready for use. If you do not complete all steps your card will be rejected when presented at the time of a purchase.

Registering Your Card

Once your card has been activated, it is important that you register your Card at This will allow you to track activity and check balances on your Card. Registration also allows us to access information on your Card in the event your Card is lost or stolen, if you contact us to resolve a potential error on your Card, or if you contact us for assistance with your Card. Card registration is also required to have the Card covered by FDIC Insurance. If your Card is not registered, these services may not be available to you.

How to Use Your Johnson Financial Group Gift Card

Your Gift Card is ready to use anywhere Visa is accepted with certain exceptions:

If your purchase exceeds the amount of funds available on the Gift Card, you may ask the merchant to split the transaction. You may pay the remaining amount of the purchase with another form of payment.

Available Transactions

This Card is a card access device that can be used at retail establishments that have agreed to accept Visa-branded credit or debit cards, with certain exceptions as stated herein. Additional value cannot be loaded to the Card. The Card remains the property of Johnson Financial Group and we may suspend, revoke, or terminate the ability to process Card transactions at any time at our sole discretion without cause or notice. Such a suspension or revocation will not result in a forfeiture of any balances on the Card, which will continue to belong to the Cardholder. The value of all Cards is held in an aggregate account.

Card Access

You may use your Card to pay for purchases at retail establishments that have agreed to accept Visa-branded credit or debit cards and are equipped with a point-of-sale terminal that can process such transactions. You may be asked to provide an acceptable form of identification in order to make a purchase or perform a transaction using the Card. If you allow someone else to use your Card, we will consider you as having authorized this person to use your Card and you will be responsible for any transactions initiated by such person with your Card. Certain retail establishments such as restaurants may authorize amounts in excess of the actual purchase amount to cover tips, gratuities and other charges. The addition of this percentage may result in a decline of your Card even though sufficient funds are available. The time frame for releasing amounts authorized in excess of the final purchase amount is dependent on the speed at which the merchant processes the final transaction. If a purchase exceeds the available balance on your Card, ask the merchant if you may use the funds on your Card toward a portion of the purchase price and use another form of payment for the remaining amount of the purchase price. Use of your Card for any activities that appear to be a violation of the law may result in the transaction not being authorized.


Using your Card to purchase goods and services from merchants constitutes a demand against and withdrawal from the remaining value on your Card. You are not allowed to exceed the balance of the funds available on your Card. Not all transactions are processed in real time which may result in a delay of these transactions being reflected in the balance of the funds available on your Card. You may use your Card only in the manner and for the purposes authorized by this Agreement. You should receive a receipt for each transaction completed with your Card. You should retain your receipt(s) for your records. You do not have the right to stop payment on any point-of-sale transaction originated by the use of your Card. You are responsible for all transactions initiated by the use of your Card.

Foreign Transactions

If you make an international transaction using your Card, Visa will convert any foreign currency into U.S. dollars using an exchange rate for the applicable central processing date that is either: the date that is selected by Visa from the range of rates available in wholesale currency markets (which rate may vary from the rate Visa receives) or the government-mandated rate. An International Service Assessment Fee of 1% on all international transactions (excluding those from Puerto Rico and the U.S. Virgin Islands) will be assessed if the transaction involves a currency conversion. This fee will be passed on to you.

Information About Your Card and Related Fees

It is important for you to track the available balance on your Card. You can do this by calling 1.800.538.7670 or going to Except as otherwise required by applicable law, your Card will expire after the last day of the month shown on the front of the Card, or when your Card balance reaches zero due to purchases or fees that have depleted your Card balance. You agree that any balance remaining on your Card may become subject to applicable state law.

Lost or Stolen Card

Tell us AT ONCE if you believe your Card has been lost or stolen. Calling us at 1.800.538.7670 is the best way to do this. Your Card must be registered in order for us to cancel your Card and issue a replacement Card. Any unused funds available on the Card at the time you contact us will be reissued on a new Card.

The Bank is not responsible for any funds used prior to your reporting the Card lost or stolen. The following fee will apply:

Disclosure of Information to Third Parties

We will disclose information to third parties about your Card or transactions that you make using your Card only under one or more of the following circumstances:

FDIC Insurance

If you register your Card at, the balance on the Card will be covered by FDIC Insurance.

Error Resolution Procedures (Card must be registered)

You may contact us regarding errors or questions about transactions arising from the use of your Card. Call us at 1.800.538.7670 or write us at Johnson Financial Group, Gift Card Department, P.O. Box 547, Racine, WI, 53401-0547, as soon as possible if you think your receipt is wrong, or if you need more information about a transaction listed on the receipt. Our Customer Service Representatives are available 24 hours a day, 7 days a week. We must hear from you no later than 60 days after the date of the transaction in question.

Please provide the following information:

If you contact us by telephone we may require that you send your complaint or question in writing within 10 business days. Generally, 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 90 calendar days to investigate your complaint or question. We will advise you of the results within 3 business days after the completion of our investigation.

Card Fees

Inactivity Fee: $3.00 per month following any 12 month period of no activity and fee will continue until there is activity on the Card or the balance on the Card reaches zero. Activity is defined as the use of the Card to purchase a good or service.

Amendment of Agreement

We reserve the right to change this Agreement, or add new Terms and Conditions at any time, with or without cause, and without giving you notice, in accordance with applicable laws.