MasterCard® Gift Cards

Having trouble finding that perfect gift? Denmark State Bank offers a variety of gift card styles.


  • Gift cards are available in any amount from $10 to $1,000.
  • Denmark State Bank offers a variety of designs.
  • The card can be used for signature transactions anywhere debit MasterCard is accepted within the United States.
  • Gift cards are available to purchase at any of our six convenient locations for only $3.00 each.

Cardholder Agreement

View the Gift Cardholder Agreement here Opens a New Window.

Cards issued by MetaBank®, Member FDIC, pursuant to license by MasterCard International Incorporated. MasterCard is a registered trademark of MasterCard International Incorporated.

Gift Card Fees

  • Purchase Fee: A purchase fee of up to $3.00 per card may be assessed at the time of purchase.
  • Inactivity Fee: Subject to applicable law, beginning the 13th month after there has been no activity on your card, a monthly inactivity fee of $2.95 will be assessed to your Card. This fee will be assessed to your Card as long as there are funds remaining on your Card.
  • Lost/stolen Card Replacement Fee: If your Card is lost or stolen, there will be a fee of $5.00 to replace it.

Frequently Asked Questions

Where can I use my card?
How do I use my card?

At point-of-sale, use your gift card as a signature based transaction. If you select debit, the terminal will prompt you for a PIN which is not available with the gift card.

What happens if my card is declined at the point-of-sale?

A couple different scenarios may have caused your transaction to be declined.

  • The merchant selected ‘debit’ instead of ‘credit’ to run the transaction
  • The merchant selected ‘gift’ instead of ‘credit’ to run the transaction
  • The merchant attempted to run the purchase through for more than available on the card. If this happens, you should ask the merchant to run a ‘split-tender’ transaction which will allow you to pay a portion of your purchase with your card and the remaining balance with another form of payment.
How do I register my personal information to my gift card and what’s the benefit of doing so?

You would register online at Opens a New Window. by creating a profile, adding your gift card to your profile and then editing the registered name. Registering your card will provide the additional security required to allow you to use your card for phone and internet purchases as well as requesting a replacement should your card become lost/stolen.

What if my purchase is greater than the value available on my gift card?

You must advise the merchant how much is available on your card. The merchant would complete a split-tender transaction and charge the gift card for the available balance. The remaining amount of your purchase would require another form of payment.

Can I use my card at restaurants?

Yes, you may use your gift card at a restaurant the same as you do any other merchant. However, it is common for service-oriented merchants to automatically factor in an additional percentage (often times, up to 20% over the purchase price) to cover a tip you may leave on the card. You should ensure that your gift card has an available balance that is 20% greater than your total bill.

How do I use my card at hotels and rental agencies?

Like restaurants and other service-oriented merchants, companies associated with travel services may automatically factor in an additional percentage to cover incidental charges that you might incur. Each entity varies in the amount they could over authorize so to prevent a decline, we advise you to check with the company to determine their policy for over authorizing.

What if my card is lost or stolen?

If your card has been lost or stolen, contact customer service by calling the phone number provided on the back of your card (1-866-496-6183). You will be able to speak to a live agent and obtain a replacement card. There will be a $5.00 fee assessed to your card balance to replace your card.

What can I do if there is fraud on my card?

If you notice transactions on your account that you have not made, contact customer service immediately. They will follow normal dispute processes to investigate the fraudulent transactions.

How do I get a list of my balance or transactions?

You may obtain your current balance or a list of all your transactions through Opens a New Window. or by calling customer service at the phone number provided on the back your card. Please note that the website will not display authorizations but only completed transactions.

Can I use my gift card at an ATM?

No, your card cannot be used to make cash withdrawals at an ATM.

Can I use my card at online gambling sites?

No, your card cannot be used at online gambling sites.
Can I use my card at the ‘pay at the pump’ gas stations?
Your card can be used at automatic fuel dispensers; however, an authorization of $50 or $75 may be posted to your account. This authorization may not be deleted from your account for several days. To prevent a potential over-authorization, we suggest that you pay for your gas in the service station.

Can I add funds to my card?

No, gift cards are disposable one time load cards whereas value cannot be added to the card.

Are there any fees associated with my card?

There is a monthly inactivity fee of $2.95 after 12 consecutive months of inactivity. If your card is lost or stolen there will be a $5.00 fee to replace it. Please reference your terms and conditions for the associated fees.

How do I activate my gift card?

Gift cards are activated by Denmark State Bank upon purchase.

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