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Your purchases say a lot about your life. Shouldn't your Visa card?

With America First's Picture Perfect Visa, you can design your own creditcheck, or gift card, complete with a personal picture that tells your story.

And you can create your personalized picture perfect card for FREE!

The process is simple, the options are many, and the result is uniquely you.


  1. Sign on to Online Banking and click on the Other Services tab
  2. Under the Account Services section click on Personalize your Visa Debit/Credit Card
  3. In the America First Visa Card Designer window click on Design Your Card
  4. Select your custom card image from our gallery or upload one of your favorites
  5. Place and frame your image ... the way you like it ... on the face of the card
  6. Preview the design and submit


Plus you'll enjoy these benefits of the America First Visa:


  • The lowest possible rates
  • The most flexible options
  • And free anytime, anywhere online account access


It's the Picture Perfect Visa card by design ... your design!


  • Existing America First Visa Cardholders with a PIN or Password use Online Banking to design your Picture Perfect Visa
  • Members requiring a PIN or Visa card call 1-800-999-3961 to request your PIN or apply for your Visa credit card today.
  • Or, apply for membership and your America First Visa card today
Picture Perfect Visa


    Frequently Asked Questions

Eligibility: You need to be a member of America First Credit Union, with an active PIN number and your account must be in good standing.

Fees: There is a $2.50 per Gift Card charge that will be deducted from either your savings or checking account, per your designation.

How will I receive my personalized card?
Your Gift Card will be mailed to you via the US Postal service.

How long will it take to receive my card?
America First Credit Union processes and sends out cards daily. After your card has been submitted to America First, you can expect to receive your card in the mail within 5-7 business days.

How will I know if my image is accepted or rejected?
You will receive an e-mail within two business days, telling you if your image was rejected or approved.

How do I design my Gift Card?
Card customization is easy; there are three simple instructions to follow.

  • Upload the photo you would like on your card.
  • Customize the look of your card by enlarging, cropping, rotating or adding a message.
  • Once you are satisfied with the look of your card, hit the submit button.

How do I activate the card once I receive it?
When you receive your gift card in the mail, you will need to follow the activation instructions on it before using it. (The purchaser of the card must be the one to activate it)

Using your gift card at restaurants and other "tip" oriented merchants.
When a restaurant or other "tip" oriented Merchant (e.g., spas, hair salons, etc.) requests approval from us to complete your transaction, the Merchant will often add a fixed percentage (approximately 20%) to the amount reflected on the bill presented to you prior to payment. This additional amount is meant to cover the tip that they expect you will add to the bill. As a result of this increased authorization request, your Gift Card may be declined if you have insufficient Available Funds to cover the amount that the Merchant requested us to approve. TO AVOID A DECLINE OF YOUR GIFT CARD, YOU CAN ASK THE MERCHANT TO AUTHORIZE A SPECIFIC DOLLAR AMOUNT. WE DO NOT GUARANTEE THAT THE MERCHANT WILL FULFILL THIS REQUEST.

Using your gift card at gasoline merchants.
If you use your Gift Card to purchase gasoline, we recommend that you pay inside, not at the pump. If you pay at the pump, the terminal may be pre-programmed to seek a pre-authorization for $75 and this amount could increase from time to time ("Pre-Authorization Request"). The Pre-Authorization Request seeks to confirm that you have sufficient Available Funds on your Gift Card to pay for an average purchase of gas. If you have insufficient Available Funds on your Gift Card to cover the Pre-Authorization Request, your attempt to use your Gift Card at the pump will be declined. If you have sufficient Available Funds on your Gift Card to cover the Pre-Authorization Request, you will be permitted to continue your transaction at the pump. TO AVOID A DECLINE OF YOUR GIFT CARD, WE RECOMMEND THAT YOU PREPAY FOR YOUR GASOLINE INSIDE THE STATION.

What format does the digital photo need to be in?
The photo needs to be a digital photo in .jpeg, or .bmp format.

Where does the digital photo need to be stored?
Your photo needs to be stored somewhere on your hard drive where it can be uploaded to the card designer.

How do I convert my photo into a digital photo?
You will need to convert your physical photo into a digital photo. If you take a regular photo to a photo processing facility, they may be able to scan the photo for you and put it on a disk. Remember, the image needs to be saved in either .jpeg, or .bmp formats.

What size does my digital photo need to be?
Please use an image that is at least 640x480 pixels and at least 50KB in size, not to exceed 2 megabytes. Our design service provides a tool to re-size your picture to look how you want it to.

How do I ensure my card looks as good as possible?
Choose a clear, sharply focused image, preferably taken at a high resolution. You can also use photo editing software to enhance your photo prior to uploading it; however, it is not mandatory.

Image Approval
Every submitted image is reviewed for compliance with the Image Guidelines. Each image also must follow the Visa® Issuing Guidelines as set by Visa® International.

Image Denial
America First Credit Union reserves the right to reject any image we believe violates the Visa® Image Guidelines. If an image is rejected, you will be notified by email within two business days. You may submit a new image at any time following this notification.

We reserve the right to determine whether a submitted image will be used. The following are examples of prohibited items in the foreground or background of photos:

  • Images that could be perceived as violent, including hatred or cruelty to humans or animals, profanity, or obscenities.
  • People conducting or involving themselves in criminal or illegal activities, including gambling.
  • Images/content demonstrating the views of anti-social, political or religious groups.
  • Libelous, defamatory, sexually explicit, or other content we deem offensive, including discrimination, "hate speech," or socially unacceptable groups (gangs).
  • Material that could infringe on the copyright or trademark rights of another party, including branded products, including abbreviations, acronyms, logos or related symbols.
  • Any references to the Olympic Games or events.
  • Commercial solicitation or promotional material.
  • Celebrities such as actors, musicians, athletes, or cartoons. (Exceptions to this prohibition include permission-based photos of you, your family members or friends photographed with a famous person.)
  • Use of addresses, phone numbers, personalized identification numbers and URL addresses.
  • All images must have the consent of the owner including those downloaded from the internet.
  • Provocative, derogatory or of a sexual content.
  • No naked or semi-naked images of adults or children.
  • Racial/prejudicial or discriminatory subject matter.

Please note: If you submit, or repeatedly submit images that do not follow the set forth guidelines, America First Credit Union reserves the right to exclude you from future use of this service.

  • Picture files can be in either JPEG (*.jpg, .jpeg) or Bitmap (*.bmp) formats.
  • The file size should be at least 50KB in size, not to exceed three megabytes (Mb) and a least 640X480 pixels. For best results, use larger images with higher resolution for greater clarity on your personalized card.
  • The maximum file size is three megabytes (Mb)
  • Small pictures will reproduce poorly.
  • If you increase the scale of your picture excessively, it may also reproduce poorly.
  • The bigger the picture you choose, the longer it will take to upload.
  • The time your picture takes to upload depends on your internet connection speed.
  • If your image is slow to upload, please talk to your own internet service provider for help.
  • On a typical 56k modem, each megabyte will take about three minutes to upload. However, this speed depends on your connection speed.
  • Your image needs to be downloaded to your computer's hard drive, before it can be uploaded to the designer.

Free Custom Visa Designs

With free Picture Perfect, your America First Visa Cards can be uniquely you.