Are extra funds held when I use my Focus Card at a restaurant?

When using your card at businesses where tipping is customary, such as restaurants and salons, an additional 20% may temporarily be added to your bill to cover the tip. If your balance can’t accommodate the additional 20%, your transaction will be declined. The additional amount will not be available for other purchases for up to 10 days or until the transaction settles for the actual amount.

Visit our FAQ page for more information on your Focus Card®.