The Living Well Rewards Visa Virtual Account (Virtual Account) is a Virtual Account that will have funds loaded according to the loyalty, award, or promotional program sponsor’s rules. Account usage restrictions apply. You may use it to make electronic commerce, mail order and/or telephone order purchases to pay for qualifying health related items (goods or services), everywhere Visa debit cards are accepted online, by phone, or by mail as long as you do not exceed the available value of the Account. A Virtual Account may not be used to obtain cash from an Automated Teller Machine (ATM), Point-of-Sale (POS) device or by any other means. You are only able to spend the amount of money you have available on the Virtual Account.

When you use your Virtual Account, you accept and agree to follow all the rules, and terms and conditions outlined in the Accountholder Agreement available to you online at virtualaccount.livingwellrewards.com.

No, your Virtual Account is not a checking or savings account.

Yes, you must be at least 18 years of age (or older if you reside in a state where the majority age is older).

No, your Virtual Account is active when you receive it.

Call Customer Service at 866-639-7204 IMMEDIATELY if you think your password, or your Virtual Account has been lost, stolen, or otherwise compromised. There is a fee for replacing a Virtual Account, view the Accountholder Agreement in the “Fee Schedule” section for details.

There are three ways to keep track of your Virtual Account balance at no charge:

• Log in to virtualaccount.livingwellrewards.com to view your transaction history and Virtual Account balance.
• Call Customer Service at 866-639-7204, and then listen to the prompts.
• You can also request a written history of your account transactions by writing to us at our mailing address. Our mailing address is:  
  
  Living Well Rewards
  PO Box 3480
  Lake Havasu City, AZ 86405

You may not add funds to the Virtual Account. The Virtual Account is not reloadable after the initial loading. See the Accountholder Agreement in the “Loading and Using the Virtual Account” section for more details.

No. ATM access is not available.

No. Cash back is not an option with the Virtual Account.

Please see the Accountholder Agreement at virtualaccount.livingwellrewards.com in the “Loading and Using the Virtual Account” section for details.

No. Recurring payments are not authorized.

Yes, please see the Accountholder Agreement in the “Loading and Using the Virtual Account” section for details.

Yes, you may use your Virtual Account to purchase qualifying health related items (goods or services) over the internet or by telephone. To do so, please make sure to use the valid address information we have on file for your Virtual Account, when making these types of purchases to avoid unnecessarily declined transactions.

The purchase you made online may have been declined for multiple reasons. The address you provided to the merchant is different than the address we have on file for your Virtual Account, the Virtual Account number was entered wrong, or funds were not available. Call Customer Service at 866-639-7204 if further assistance is needed.

Some merchants do not allow Virtual Account holders to conduct split transactions where you would use the Virtual Account as partial payment for goods and services and then pay the remainder of the balance with another form of legal tender. If you wish to conduct a split transaction and it is permitted by the merchant, you must charge only the exact amount of funds available on the Virtual Account to the Account. You must then arrange to pay the difference using another payment method. If you fail to inform the merchant that you would like to complete a split transaction prior to using the Virtual Account, the Virtual Account may likely be declined.

When you use your Virtual Account to pay for goods or services, some merchants may authorize the transaction in advance; this places a temporary “hold” on your Virtual Account for the amount of the sale or for an additional amount or percentage greater than the sale amount depending on the individual merchant.

Once the final payment amount is received, the preauthorized amount on hold will be removed. It may take up to seven (7) days for the hold to be removed. During the hold period, you will not have access to the preauthorized amount. If you authorize a transaction and then fail to make the purchase, the approval may result in a hold for that amount of funds for up to thirty (30) days. Please note we cannot manually release authorizations or holds without a certified letter or fax from the merchant.

All purchases you make with your Virtual Account are subject to the merchant’s return policies. If you are entitled to a refund for any reason, it may be made as a “credit” to your Virtual Account. The amount of the refund credit may not be available to you right away – you may have to wait up to five business days from the date of the refund to make sure the amount of the credit has cleared and is available to you to spend.

Yes, please see the Accountholder Agreement in the “Virtual Account Expiration and Replacement” section for details.

Yes. You may cancel your Virtual Account by calling Customer Service at 866-639-7204. You will forfeit any remaining balance on your Virtual Account.

Yes, we reserve the right to cancel your Virtual Account if you have not used your Virtual Account before the expiration date.

We may also cancel your Virtual Account under the following conditions:

• If you violate any of the Virtual Account rules, terms and conditions set forth in the Accountholder Agreement, as may be amended from time-to-time.
• If we believe there is fraud or security risks connected to your Virtual Account.
• If you decide you do not want to have all Virtual Account information and notices sent electronically.
• For any other reason allowed by law.

Please see the Accountholder Agreement in the “Fee Schedule” section for details at virtualaccount.livingwellrewards.com.

Telephone us at the Customer Service Number as soon as you can if you think a discrepancy has occurred on your Virtual Account. You must contact us no later than sixty (60) calendar days after the transaction(s) is posted to the Virtual Account. You may request a written history of your transactions at any time by calling us at 866-639-7204 or writing us at:

Living Well Rewards
P.O. Box 3480
Lake Havasu City, AZ 86405

You will need to include in the written letter:
Your name and Virtual Account number. Describe the discrepancy or transaction that you are unsure about and explain as clearly as possible why you believe that it is a discrepancy or why you need more information. The dollar amount involved and approximately when the discrepancy took place. Investigating discrepancy’s takes time, and if it is determined that there was a discrepancy on your account, we will correct the discrepancy promptly and credit the Virtual Account.

We know from time to time you may have additional questions. You may email a question to us from the “Contact Us” page at virtualaccount.livingwellrewards.com or call Customer Service at 866-639-7204.