A stored-value card includes a housing, an audio circuit storing an audio file, and a speaker coupled to the audio circuit. The housing includes a first panel, a second panel spaced from and positioned opposite the first panel, and a side wall extending between the first panel and the second panel. The side wall extends substantially perpendicular to each of the first panel and the second panel such that an open cavity is formed between the first panel and the second panel. The housing further includes an account identifier signifying a financial account or record linked to the stored-value card. The audio circuit and the speaker are substantially enclosed within the open cavity of the housing. Stored-value card assemblies and methods of using a stored-value card are also disclosed.