Wells Fargo touts its prepaid VISA gift cards as "the perfect gift" and has sold over a million, but perhaps they would sell a little less if people knew about these terms and conditions, flushed out by Mouse Print:

• Purchase fee: $2.50
• Online shipping/handling: $2.50
• Reissue fee (for balances remaining after three years): $7.50
• Manual check issuance fee (to get remaining balance on card): $15.00
• Monthly maintenance fee after one year: $2.50
• Lost card replacement: $7.50
• Foreign currency conversion fee: 3%

Last time we consulted the pages of MAKE, you can't construct a home-made pre-loaded gift card, at least not legally. — BEN POPKEN

Wells Fargo Gift Cards: The Perfect Gift*? [Mouse Print]