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Terms & Conditions

Below are the general Terms & Conditions for a physical Visa or MasterCard Reward Card as well as our Virtual Reward Visa Account.

PLEASE NOTE, some corporate programs which have their brand on the card may have different Terms & Conditions associated with your Prepaid Visa Card. Please consult the terms listed on the back of your Visa Card carrier for accuracy. If you no longer have a copy of your carrier, please contact Customer Support at 877.357.4WRL with your Visa Reward Card number to request an electronic copy of the terms.

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Visa Reward Card | MasterCard Reward Card | Visa Virtual Reward

WRL Visa Reward Card Terms and Conditions

These are your Visa Reward Card ("Card") Program terms and conditions. Please read them carefully and retain them for your records. Please sign your Card immediately. By accepting and retaining the Card, signing the Card, and using the Card, you accept and agree to be bound by these terms and conditions. This Card is a "stored value" card and is not a credit card or an FDIC insured deposit account. This Card is issued by CenterState Bank of Florida, NA pursuant to a License from Visa U.S.A., Inc. In these terms and conditions, "you" and "your" refers to the person who has received the Card; "we", "us" or "our" refers to CenterState Bank of Florida, NA, our successors, affiliates, assigns and processors. These terms and conditions are subject to change without notice and supersede any and all previous terms and conditions.

Reward Program: Cards are sold to businesses ("Purchaser") directly. Purchaser can distribute the Cards to employees or clients in furtherance of specific business goals and objectives. The Card has a preloaded stored value balance. You acknowledge that you have not paid value for the Card you have received.

Card Usage: Your Card must be activated prior to use. Please see activation instructions on the card carrier included with your card. Your Card may be used for purchases at all merchants equipped with a point-of-sale terminal that can process Visa transactions. Purchases and service charges will be deducted from your Card balance until the stored value reaches zero. Non-reloadable Cards cannot be re-used after the Card value has been exhausted.

Card Access: The Reward Card is a prepaid card that can be used anywhere Visa debit cards are accepted worldwide and as a Visa point-of-sale transaction. If applicable with your purchase, the Reward Card may also be used with a personal identification number, issued to you when your card is activated, at Interlink® and Cirrus ATM locations. If the Reward Card does not bear the Interlink logo, your Card cannot be used for cash access or at any ATM. Cash access is not permitted on non-reloadable Visa cards unless cardholder information is on file.

Conversion to U.S. Dollars: Card transactions made in currencies other than U.S. Dollars will be converted to U.S. Dollars. The exchange rate for transactions in a foreign currency will be a rate selected by Visa U.S.A., Inc. from the range of rates available in wholesale currency markets for the applicable central processing date and may vary from the rate Visa U.S.A., Inc. itself receives or the government-mandated rate in effect for the applicable central processing date. All transactions in foreign countries will be subject to a fee of $2.00 plus 3% of the purchase value.

Card Value: You may only use a Card when there is a balance remaining on the Card and only up to the value left on the Card. If your purchase amount is greater than the value on your Card, inform the merchant before presenting the Card. Depending on the policy of the merchant, the difference may be paid with another form of payment. Any transactions that are attempted after the Card value has been exhausted will be declined. If you improperly receive value greater than the remaining balance on your Card for any reason, you will be liable for the amount by which your transaction(s) exceeds the remaining balance. After the Card value has been exhausted, please destroy your Card by cutting the Card across the magnetic strip on the back as well as the raised numbers on the front. Expired cards have no value.

Service Charges: This Reward Card is part of a reward, incentive or loyalty program. We do not charge monthly maintenance fees. To receive a replacement card, contact the purchaser of the Card. Your Card expires on the Good Thru date printed on the front of the Card, at which time funds will no longer be available. If applicable, maximum ATM withdrawal is $150.00 per day. All transactions in foreign countries will be subject to a fee of $2.00 plus 3% of the purchase value.

Limitations on Transactions: Your Card is nontransferable. Do not give your Card to anyone else to use. You agree not to use your Card for transactions that exceed the amount of funds stored on your Card. You are responsible for all authorized transactions initiated by use of your Card. You may not make pre-authorized regular payments through the use of your Card.

Card Balance: To check your Card balance you can call us toll free at 1-877-357-4975 or visit www.wrl.com/cards/activate.

Lost/Stolen Cards: We are not responsible for lost or stolen Cards, and we have no ability to identify the person using a Card at the point of purchase. If your Card is lost or stolen, please contact the purchaser to inquire about obtaining a replacement Card prior to the Card's expiration date. Keep a record of your Card number in a safe place, separate from the Card. If requested by purchaser only, any remaining balance after the Card will be re-issued to you on a replacement Card.

Error Resolution Procedures: In case of errors or questions about transactions arising from the use of your Card, call us at 1-877-357-4975 or write to: WRL, LLC, 495 Mansfield Ave., Pittsburgh, PA 15205. We must hear from you within 60 days of the date of the transaction in question. You will need to provide the following information: a) your name and Card number; b) the dollar amount of the suspected error and approximately when the error took place c) description of the error and explain why you believe there is an error.

Amendment: We can change these terms and conditions, including all fees, at any time, and such changes will be binding on you. If required by law, we will give you written notice of the change prior to the effective date of the change. However, if the change is made for security purposes or as a result of changes in fees, changes of costs imposed by any party other than us, we can implement it without prior notice. Your use of the Card constitutes acceptance of any amendment implemented by us.

Disclosure of Information to Third Parties: Information about the Card or transactions may be disclosed to and by third parties on our behalf in the following situations: where necessary to complete the transaction (e.g. to verify the existence and condition of your Card to a merchant); or to comply with government agency or court orders or as otherwise required by law or in connection with examinations by banking authorities; or for analytical purposes; or with your permission.

Governing Law: These terms and conditions will be governed by Federal Law and where not in conflict with Federal Law, the laws of the State of Florida, without regard to conflict of law principles. Whenever possible, each provision herein shall be interpreted in such a manner to be effective under applicable law, but if any provision is held to be invalid, illegal or unenforceable under any applicable law or rule, the validity, legality and enforceability of the other provisions herein will not be affected or impaired thereby. These terms and conditions, or any portion thereof, shall be VOID WHERE PROHIBITED BY LAW

Arbitration: Any controversy or claim arising out of or relating to these Terms and Conditions or the provision of services shall be settled by binding arbitration in accordance with the commercial arbitration rules of the American Arbitration Association. Any such controversy or claim shall be arbitrated on an individual basis and shall not be consolidated in any arbitration with any claim or controversy of any other party. The arbitration shall be conducted in the State of Florida, and judgment on the arbitration award may be entered in any court having jurisdictions thereof. Either you or we may seek any interim or preliminary relief from the court of competent jurisdiction in the State of Florida necessary to protect the rights of property of you or us (or our agents, suppliers, and subcontractors) pending the completion of the arbitration.

Important Usage Tips for your Card:

When shopping, simply tell the cashier to process your card as a "credit" transaction, not a "debit" transaction.
To purchase gas, have the station attendant process the transaction inside.
With transactions canceled at the register, a temporary hold may be placed on the funds for seven days.
Some merchants, including most restaurants and service establishments, have a policy of authorizing an amount up to 25% more than your total purchase in order to cover any outstanding tip or gratuity.

For additional help please visit our FAQ section at www.wrl.com.

WRL MasterCard Reward Card Terms and Conditions

These are your WRL.com Prepaid MasterCard Reward Card ("Card") Program terms and conditions. Please read them carefully and retain them for your records. Please sign your Card immediately. By accepting and retaining the Card, signing the Card, and using the Card, you accept and agree to be bound by these terms and conditions. This Card is a "stored value" card and is not a credit card or an FDIC insured deposit account. This Card is issued by CenterState Bank of Florida, NA pursuant to a license from MasterCard International. MasterCard is a registered trademark of MasterCard International Incorporated. In these terms and conditions, "you" and "your" refers to the person who has received the Card; "we", "us" or "our" refers to CenterState Bank of Florida, NA, our successors, affiliates, assigns and processors. These terms and conditions are subject to change without notice and supersede any and all previous terms and conditions.

Card Usage: Your Card must be activated prior to use. Please see activation instructions on the card carrier included with your card. You Card is a prepaid stored value Card that can be used anywhere that MasterCard is accepted. Purchases and service charges will be deducted from your Card balance until the stored value reaches zero. Non-reloadable Cards cannot be re-used after the Card value has been exhausted. Cards that have cash access, are reloadable, or have a value greater than $750.00 are required to be registered by the cardholder at www.wrl.com/cards/register before they can be used. We will ask for your name, address, date of birth, and other information that will allow us to identity you. We may also ask for your driver's license or other identifying information.

Conversion to U.S. Dollars: Card transactions made in currencies other than U.S. Dollars will be converted to U.S. Dollars. The transaction will be converted by MasterCard International into a foreign dollar amount in accordance with the operating regulations or conversion procedures in effect at the time that the transaction is processed. The currency conversion rate in effect on the processing date may differ from the rate in effect on the transaction date or the posting date. All transactions in foreign countries will be subject to a fee of $2.00 plus 3% of the purchase value.

Service Charges: This Reward Card is part of a reward, incentive or loyalty program. We do not charge monthly maintenance fees. To receive a replacement card, contact the purchaser of the Card. Your Card expires on the Good Thru date printed on the front of the Card, at which time funds will no longer be available. All transactions in foreign countries will be subject to a fee of $2.00 plus 3% of the purchase value.

Limitations on Transactions: Your Card is nontransferable. Do not give your Card to anyone else to use. You agree not to use your Card for transactions that exceed the amount of funds stored on your Card. You are responsible for all authorized transactions initiated by use of your Card. The Card cannot be used to obtain cash from automated teller machines (ATMs) and cannot be redeemed for cash or cash equivalents. You may not make pre-authorized regular payments through the use of your Card.

Card Balance: To check your Card balance you can call us toll free at 1-877-357-4975 or visit www.wrl.com/cards/balance.

Lost/Stolen Cards: We are not responsible for lost or stolen Cards, and we have no ability to identify the person using a Card at the point of purchase. If your Card is lost or stolen, please call 1-877-357-4975 immediately. Keep a record of your Card number in a safe place, separate from the Card. If requested by purchaser only, any remaining balance after the Card has been canceled will be re-issued to you on a replacement Card.

Error Resolution Procedures: In case of errors or questions about transactions arising from the use of your Card, call us at 1-877-357-4975 or write to: WRL.com, 495 Mansfield Ave., Pittsburgh, PA 15205. We must hear from you within 60 days of the date of the transaction in question. You will need to provide the following information: a) your name and Card number; b) the dollar amount of the suspected error and approximately when the error took place c) description of the error and explain why you believe there is an error.

Important Usage Tips for your Card:

When shopping, simply tell the cashier to process your card as a "credit" transaction, not a "debit" transaction.
To purchase gas, have the station attendant process the transaction inside.
With transactions canceled at the register, a temporary hold may be placed on the funds for seven days.
Some merchants, including most restaurants and service establishments, have a policy of authorizing an amount up to 25% more than your total purchase in order to cover any outstanding tip or gratuity.

For additional help please visit our FAQ section at www.wrl.com.

WRL Virtual Reward Account Terms and Conditions

These are your Visa Virtual Reward Account ("Account") Program terms and conditions. Please read them carefully and retain them for your records. By accepting and using the Account, you accept and agree to be bound by these terms and conditions. This Account is a "stored value" account and is not a credit card or an FDIC insured deposit account. This Account is issued by CenterState Bank of Florida, NA pursuant to a License from Visa U.S.A., Inc. In these terms and conditions, "you" and "your" refers to the person who has received the Account; "we", "us" or "our" refers to CenterState Bank of Florida, NA, our successors, affiliates, assigns and processors. These terms and conditions are subject to change without notice and supersede any and all previous terms and conditions.

Virtual Reward Program: Accounts are sold to businesses ("Purchaser") directly. Purchaser can distribute the Accounts to employees or clients in furtherance of specific business goals and objectives. The Account has a preloaded stored value balance. You acknowledge that you have not paid value for the Account you have received.

Account Usage: Your Account must be activated prior to use. Please see activation instructions on the Account web site included with your Account. Your Account is a prepaid account that may be used for purchases on the internet and by telephone at all merchants that can process Visa transactions. Purchases and service charges will be deducted from your Account balance until the stored value reaches zero. Non-reloadable Accounts cannot be re-used after the Account value has been exhausted. Cash access is not permitted on a Virtual Reward Account.

Conversion to U.S. Dollars: Account transactions made in currencies other than U.S. Dollars will be converted to U.S. Dollars. The exchange rate for transactions in a foreign currency will be a rate selected by Visa U.S.A., Inc. from the range of rates available in wholesale currency markets for the applicable central processing date and may vary from the rate Visa U.S.A., Inc. itself receives or the government-mandated rate in effect for the applicable central processing date. All transactions in foreign countries will be subject to a fee of $2.00 plus 3% of the purchase value.

Account Value: You may only use an Account when there is a balance remaining on the Account and only up to the value left on the Account. If your purchase amount is greater than the value on your Account, the transaction will be declined unless the merchant has the ability to accept another form of payment. All transactions that are attempted after the Account value has been exhausted will be declined. If you improperly receive value greater than the remaining balance on your Account for any reason, you will be liable for the amount by which your transaction(s) exceeds the remaining balance. Expired Accounts have no value.

Service Charges: This Account is part of a reward, incentive or loyalty Program. We do not charge monthly maintenance fees. To receive a replacement Account, contact the purchaser of the Account.

Limitations on Transactions: Your Account is nontransferable. Do not give your Account to anyone else to use. You agree not to use your Account for transactions that exceed the amount of funds stored on your Account. You are responsible for all authorized transactions initiated by use of your Account. You may not make pre-authorized regular payments through the use of your Account.

Account Balance: To check your Account balance you can call us toll free at 1-877-357-4975 or visit www.wrl.com/cards/balance.

Lost/Stolen Accounts: We are not responsible for lost or stolen Accounts, and we have no ability to identify the person using the Account at the point of purchase. If your Account is lost or stolen, please contact the purchaser to inquire about obtaining a replacement Account prior to the Account's expiration date. Keep a record of your Account number in a safe place.

Error Resolution Procedures: In case of errors or questions about transactions arising from the use of your Account, call us at 1-877-357-4975 or write to: WRL.com, LLC, 495 Mansfield Ave., Pittsburgh, PA 15205. We must hear from you within 60 days of the date of the transaction in question. You will need to provide the following information: a) your name and Account number; b) the dollar amount of the suspected error and approximately when the error took place c) description of the error and explain why you believe there is an error.

Amendment: We can change these terms and conditions, including all fees, at any time, and such changes will be binding on you. If required by law, we will give you written notice of the change prior to the effective date of the change. However, if the change is made for security purposes or as a result of changes in fees, changes of costs imposed by any party other than us, we can implement it without prior notice. Your use of the Account constitutes acceptance of any amendment implemented by us.

Disclosure of Information to Third Parties: Information about the Account or transactions may be disclosed to and by third parties on our behalf in the following situations: where necessary to complete the transaction (e.g. to verify the existence and condition of your Account to a merchant); or to comply with government agency or court orders or as otherwise required by law or in connection with examinations by banking authorities; or for analytical purposes; or with your permission.

For additional help please visit our FAQ section at www.wrl.com.