Terms and Conditions

MyBalanceNow, like any other platform, has specific terms and conditions that users must adhere to in order to access their accounts. The cardholder agreement is available on the official website at www.mybalancenow.com and includes all the required terms and conditions.


For access to the MyBalanceNow site and gift cards, there are the following rules and regulations:

Card Type: This is a prepaid card, which is preloaded with funds, and it can be used anywhere debit cards are accepted by Visa or MasterCard. 

Additional Funds: Cardholders are unable to add additional funds to their accounts. They cannot transfer funds from one card to another except in the event of the loss or theft of the card.

Limitations: You cannot use your card for recurring payments, such as subscriptions, memberships, and monthly bills.

Validity: The gift card is only valid within the USA and the District of Columbia. The card is valid until the funds run out or the card expires.


PIN: No PIN will be given to users when they receive the card. During their first transaction, however, they can use any four-digit PIN. If the user doesn’t change their PIN at the MyBalanceNow portal, subsequent transactions should be performed with the same PIN. 

Fees: Once a purchase is made, there are no additional fees involved. Initially, there will be a one-time card activation fee. 

Return/Refunds: If users are eligible for a refund, they will receive the money once the merchant processes the refund. The processing of refunds is not under Target’s control.

Users must agree to all terms and conditions before they can access the card and the MyBalanceNow portal. The rules, regulations, terms, conditions, and privacy policy are detailed in the cardholder agreement, which will be made available to you upon request.