Frequently Asked Questions
- What do I need to do each qualification cycle to receive the easyGROW Checking rewards?
- Make ten (10) purchases with our Visa Debit card. (Purchases must be posted, not pending. ATM transactions excluded.)
- Ensure one (1) posted Direct Deposit or Automatic Payment occurs from your account.
- Enroll in Online Statements to receive your statements electronically. You can save them to your computer and view them whenever you like.
- What happens if I do not meet these qualifications for rewards?
Your checking account is still free, and you can start over next cycle to earn the rewards. Interest will be paid at the base rate of 0.05% APY on your entire balance, and you will not receive ATM fee refunds in months when you do not meet the qualifications.
- If I meet the qualifications, when will I receive my rewards?
Interest is paid monthly and posted on the last day of the statement cycle. Unlimited ATM fees worldwide will be refunded to you at the end of your statement cycle.
- How will I know that I have qualified for my rewards at the end of the cycle?
You can log in to Online Banking to review your account activity and confirm that you have met the account qualifications at any time.
On the last day of the statement cycle, you will receive an email stating whether or not you met the qualifications for that cycle.
- If I miss my qualifications by only one debit transaction, can I call in and get my high interest rate and ATM refunds anyway?
No. Unfortunately, we cannot make exceptions to this. However, you will still earn 0.05% APY.
- Are there any monthly service fees?
No. There are no monthly service fees on our easyGROW Checking accounts. Other fees may apply based on your account activity and other services you request. These fees may include paper statement fees, account research assistance, replacement card fees, NSF returned item fees, overdraft item fees and stop payment fees. We will provide you with a detailed fee schedule when we open your account. Please review it carefully before using your account.
- What is the qualification cycle?
The qualification cycle normally starts on the fourth Tuesday of every month and ends on the business day prior to the fourth Tuesday of the following month. View the qualification calendar.
Exception: If a federal holiday falls on the business day prior to the fourth Tuesday of the month, the qualification cycle will end on the business day prior to that federal holiday.
- Do automatic transfers between accounts held at First Bank & Trust qualify as a Direct Deposit or Automatic Payment?
No, transfers between accounts held at First Bank & Trust do not qualify as a Direct Deposit or Automatic Payment.
- If I use my Visa® Debit card at an ATM, will that transaction count towards my qualifications?
No. Only POS (point-of-sale) transactions count, and they must be posted to, not just pending on, your easyGROW Checking account.
- What is a “settled transaction”?
A settled transaction is one that has posted to your account. When you use your Visa Debit card, the merchant places a memo hold on your account in the amount of your purchase. It may take several days before the transaction posts or clears.
- Is there a minimum balance requirement in order to receive my rewards?
- What is the minimum opening deposit for an easyGROW Checking account?
- Are there residency requirements for the account?
Yes. At this time, we are able to accept applications only from residents of Iowa, Minnesota, Nebraska, North Dakota and South Dakota.
- May I open more than one easyGROW Checking account?
No. Each primary account holder may open only one easyGROW Checking account.
- Who's eligible for a Custom Image Debit Card?
Anyone who has a debit card associated with a First Bank & Trust consumer checking account, including primary and secondary account holders and/or authorized signers.
- How much does it cost?
Each Custom Image Debit Card costs $9.95. The fee will be deducted from your primary checking account linked to your debit card.
- How often can I change the image on my Custom Image Debit Card?
You can change your existing card as often as you like (cost is $9.95 each occurrence).
- What happens when my card expires?
First Bank & Trust debit cards are re-issued every three years. All Custom Image Debit Cards re-issued upon the expiration date will be re-issued as a First Bank & Trust branded debit card. You may order a new Custom Image Debit Card at any time at a cost of $9.95.
- How long will it take to receive my card?
Once your image has been reviewed and approved, you can expect to receive your card within 7-10 business days.
- Will my existing card work until my new Custom Image Debit Card arrives?
Yes, your existing card will continue to work until you activate your new Custom Image Debit Card. Please destroy your old card once the new card is activated.
- What can I do to make sure my image looks great printed on my card?
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, if you so choose.
- Are there any rules about what photos I can use?
Yes. In general, you must own the rights to the photo, and the photo cannot be considered offensive. Please review our Image Guidelines for the complete set of criteria for acceptable photos. Every image submitted is reviewed for compliance with the Image Guidelines, and must also follow the Visa® Issuing Guidelines as set by Visa® International. If your image is rejected, you will be notified by email within two business days.
- What size and format does the photo need to be?
The photo needs to be a digital photo in JPEG, GIF, PNG, TIFF or BMP format. The image needs to be at least 840 x 840 pixels and at least 50KB (kilobytes) in size, not to exceed 10MB (megabytes). Our design service provides a tool to resize your picture to look the way you want. Please review the Upload Guidelines for further detail.
- What happens if I lose my Custom Image Debit Card?
Notify the bank immediately if you have lost your debit card. If you would like your Custom Image Debit Card re-issued due to any reason, such as lost, stolen, name change, or damage to the card, there will be a $5 ATM/POS Replacement Card fee. The replacement fee will be debited from the primary checking account associated with the debit card.
- Can a joint account holder design their own card as well?
Yes, every debit card associated with a First Bank & Trust consumer checking account can be customized by the individual cardholder, whether they are a primary or secondary account holder or authorized signer.
- If I am a new First Bank & Trust customer, how do I order a Custom Image Debit Card?
If you are a new customer, please enter six zero’s (000000) in the “Last 6 digits of card number” field.
- Does customizing my debit card change anything about my account, like my Personal Identification Number (PIN)?
No, everything about your account, including your PIN, will remain the same. However, your debit card expiration date may be extended depending on the re-order date.
- Does a Custom Image Debit Card work just like a regular debit card?
Yes. The only difference is the image on the debit card.
- Can all deposit holders get a temporary Visa Instant Debit card?
Yes, a consumer cardholder or authorized signer can get a temporary card at any participating First Bank & Trust location.
- Do I need to activate this card and select a Personal Identification Number (PIN) before I use it?
Your card is ready to use one hour after leaving the bank. Either use the PIN provided or change it if you prefer. Just be sure to sign the back of the card right away, as merchants will need your signature to verify card ownership. You can use the same PIN for your personalized debit card once you receive it in the mail and activate it.
- Can I start using my card right away?
First, sign the back of your card. Then yes, you can use your temporary card to make purchases or get cash one hour after leaving the bank. Your temporary card comes with all the same features and benefits as your personalized debit card. However, we recommend you activate your personalized debit card as soon as you receive it.
- Do I have a daily limit on my card?
Your temporary card comes with a daily limit on the dollar amount of purchases you can make with your card. You also have a daily cash withdrawal limit at the ATM. For more information about your daily limits, talk to your local First Bank & Trust banker or call 800.843.1552.
- Does the temporary Visa Instant Debit card work the same as the personalized debit card?
Yes, your temporary card comes with all the same features and benefits as your personalized debit card. You can use your temporary Visa Instant Debit card anywhere Visa Debit and credit cards are accepted, including grocery stores, restaurants, gas stations, and even for online, mail and phone purchases.
Plus, the card enables you to get cash, transfer funds between accounts, and make deposits at First Bank & Trust ATMs. The amount of your purchases and transactions will always come out of the primary checking account linked to your card.
- It's easy to use your card:
- At a merchant with a keypad: Press “Credit” and sign for purchases. Or press “Debit” and enter your PIN.
- At a merchant without a keypad: Present your card to the cashier and sign the receipt when necessary.
- Online or by phone: Provide your card number and expiration date if you have initiated the contact. Never give these details out to someone who contacts you!
- At an ATM: Insert your card and enter your PIN to withdraw cash.
- Can I use my temporary card to pay bills?
Yes, you can use your temporary card to make monthly recurring bill payments. Simply contact your service providers and ask to pay with your First Bank & Trust Visa Instant Debit card. NOTE: When you receive your personalized debit card in the mail, be sure to contact your service providers with your new information, as your card expiration date will change
- Why is the Visa Instant Debit card not personalized with my name?
The Visa Instant Debit card is temporary and specially prepared for First Bank & Trust customers to provide immediate access to the money in your account. Merchants can verify card ownership by checking your signature on the back of the card against your identification.
- Is my card safe to use without my name on the front?
Yes, merchants will accept your card as long as you sign the back of the card. Some merchants may ask to see a second form of identification to verify card ownership. As a First Bank & Trust cardholder, your card comes with the built-in security of Visa’s Zero Liability policy.
- What should I do if a merchant does not accept my card?
If you run into any issues, call the number on the back of your Visa Instant Debit card. For comments or assistance, stop by your local First Bank & Trust location or call 800.843.1552.
- When should I expect to receive my personalized debit card?
Your personalized debit card will arrive in the mail 7-10 business days after you open a new account or request a replacement card. Please activate your personalized debit card as soon as you receive it. You can use your same PIN for your personalized debit card once you receive it. Be sure to destroy your temporary card.
If you do not receive your personalized debit card within 10 business days, please call us at 800.843.1552.
- What should I do if my card is lost or stolen?
Report lost or stolen cards immediately to First Bank & Trust by calling 800.843.1552. Your card comes with the built-in security of Visa’s Zero Liability policy.
- What are the restrictions on the type of mobile devices that can be used to access accounts?
Web Mobile Banking requires a web-enabled mobile device whose network allows secure SSL traffic. Only iPhone®, iPad®, and Android™ users can access the Mobile Banking apps.
- What functions can I perform from my mobile device?
- View Transaction History
- View Account Balances
- Transfer Funds
- Deposit Checks
- Pay Bills to Businesses (Bill Pay) and Individuals (P2P)
- View Alerts
- Find Branch and ATM Locations
- How do I access Mobile Banking?
iPhone, iPad, and Android users can download an app. Launch the App StoreSM or Google PlayTM on your mobile device, then search for “BANKeasy” (no spaces).
- How do I know if my transfer or bill payment was entered successfully?
If you have opted to Receive Text Message Alerts in your Mobile Settings on Online Banking, each time you make a transfer or bill payment, a confirmation text message will be sent to your mobile phone. If you do not receive a confirmation text message, double-check to make sure the transaction went through.
- What if I no longer want to be a Mobile Banking user?
Log in to Online Banking, select "Options" > "Mobile Settings," deselect "Enable web access for your mobile device," then click "Submit."
- What happens if I lose my mobile device?
Since your account data is not stored on your mobile device, your information cannot be stolen. When you replace your mobile device, simply edit your Mobile Settings and make any changes to the Wireless Provider and/or Phone Number.
- What happens if I lose communication/signal during a transaction?
If you have opted to Receive Text Message Alerts in your Mobile Settings on Online Banking, when you complete a transaction from your mobile device (bill payment, funds transfer, etc.) you will receive a text message as confirmation that the transaction was successful. If you do not receive this message due to a dropped call or lost signal, check your accounts and re-submit any transactions that did not process.
- What do I need to do if I get a new phone?
If you get a new phone, but are using the same phone number and provider, no changes on your part are necessary. If you switch providers and/or phone numbers, log in to your Online Banking account from a computer and update your information on the Options > Mobile Settings page. You will not receive a text message regarding Mobile Banking transactions if your phone number is not correct.
- How do I search for a transaction?
You will be able to view 15 days' worth of transaction history on your mobile device. There is not a search function.
- How do I delete a bill payment that I set up through my mobile device?
You must log in to Online Banking from a computer and delete the payment from the main menu of the bill payment section.
- Who do I contact if I am experiencing issues with Mobile Banking?
Please call us at 800.843.1552 to report the issue you are experiencing.
- Who is eligible to use Mobile Deposit?
Any First Bank & Trust Online Banking customer is eligible to use Mobile Deposit.
- Is there a fee to use Mobile Deposit?
No! Mobile Deposit is free to use.
- What kind of device can I use?
Any Android™ smartphone, iPhone®, or iPad® can be used with Mobile Deposit.
- Can I use my iPad® or tablet for Mobile Deposit?
The First Bank & Trust Mobile App for iPad does include Mobile Deposit functionality.
At this time, we do not have Mobile Deposit available for any other tablet device.
- How can I start using Mobile Deposit?
To get started, enroll in Mobile Deposit. If using an Android smartphone, iPhone, or iPad, download our Mobile App, log in, and then select “Deposits” from the fly-out menu.
Please note: Mobile Deposit is a function within First Bank & Trust’s Mobile Banking. Android smartphone users and iPhone and iPad users will need to download the Mobile App and complete the enrollment process when prompted.
- How do I use Mobile Deposit?
Simply log in to our Mobile Banking App then choose ‘Deposit.’ You will be prompted to take a picture of the front and back of the check, type the dollar amount to deposit, and choose the account where you want it deposited.
- What types of accounts can I deposit into?
Deposit into any checking, savings, or money market account tied to your Online Banking.
- Is there a limit to the number of checks I can deposit?
Yes, 25 checks per day or month, whichever happens first, is the maximum number of checks that can be deposited with Mobile Deposit.
- Is there a maximum dollar amount for Mobile Deposit?
Yes, $5,000 per day or month, whichever happens first, is the dollar limit for Mobile Deposit.
- What should I do with the paper check after depositing?
Securely store the paper check for 90 days after the date of deposit. After the 90 days, please shred the check.
- When will I have access to the funds deposited?
If the deposit is submitted before 5 pm, you generally will have access to use those funds the next business day.
- Should I endorse the check before depositing?
Yes, the check must be endorsed in order for the deposit to be accepted.
- Can I un-enroll from Mobile Deposit?
Yes! Simply contact your banker or call us at 800.843.1552.
- How will I know if there was a problem with my mobile deposit?
You will receive an email notification indicating whether the deposit was successful or not.
- What are the restrictions on the type of mobile devices that can be used to access accounts?
Text Mobile Banking simply requires a cell phone that allows texting.
- What functions can I perform with Text Banking?
- View Account Balances
- View Account History
- Un-enroll from Text Mobile Banking
- What if I no longer want to be a Text Banking user?
Text STOP to un-enroll all accounts.
- What happens if I lose my mobile device?
To ensure your security, it is best to log into Online Banking from a computer and un-enroll your mobile device as soon as possible. When you replace your mobile device, you can re-enroll.
- What do I need to do if I get a new phone?
If you get a new phone, but are using the same phone number and provider, no changes on your part are necessary. If you switch providers and/or phone numbers, log in to your Online Banking account from a computer and update your information on the Options > Mobile Settings page.
- Can I use any mobile device to access my accounts?
No, you must use the mobile device enrolled with Text Mobile Banking.
Online Banking FAQs
- What is online Bill Pay?
Online Bill Pay is a service that allows you to pay almost any individual or company through your Online Banking account. You determine whom you want to pay, when you want to make the payment, and which checking account you want the payment to come from. It's safe, secure, and easy to use.
- Who can I pay with online Bill Pay?
You can pay almost any business or individual with a mailing address within the United States and Puerto Rico. For example, you can pay utilities, cable bills, credit cards, or individuals such as a landlord, babysitter, or relative.
- How are online payments delivered?
Payments are sent either electronically or by paper check, depending on the method accepted by the person or company receiving the payment. The majority of payments are delivered electronically, which is the faster method. Your payment information, such as your account number, is sent via secure transmission. Payments made by paper check are mailed via the U.S. Postal Service.
- Is online Bill Pay secure?
Paying bills online is one of the safest ways to pay your bills. Online Bill Pay helps prevent identity theft caused by lost or stolen checkbooks, bills, and statements. It also increases your privacy because your account information, account numbers, and payment history can be accessed only within your private Online Banking account. With realtime access to your payment activity, you maintain tighter control of your bank account.
- How long does it take before my payment is received?
Generally, your payment is delivered to and processed by the payee within 2-3 business days if sent electronically, or 7-10 business days if sent via paper check.
- How are the scheduled payments processed with online Bill Pay?
Most scheduled payments are sent electronically and funds are withdrawn from your account on the day we send the payment. If a payee does not accept electronic payments, the payment will be sent via paper check.
- Can I edit a payee address?
Yes. To edit payee information, select the payee’s name. From the payee details screen, select the ‘edit’ link.
- How late in the day can I edit or delete a payment?
Generally, you may edit or delete a scheduled payment before 2:00 pm Central Time on the day of the payment date by changing the information within Online Bill Pay or by calling us at 1-800-843-1552. Certain exceptions apply, so please contact us if you are unable to cancel a payment.
- When will the money be taken out of my account?
For an electronic payment, funds are debited from your account the day that you select the payment to send. In order to send an electronic payment on the same day, the payment must be submitted prior to 2:00 pm Central Time.
Check payment funds are debited from your account when the check clears the account.
- What if I do not have enough money in my account?
We will treat Bill Pay check items just like any other check you write. Overdraft fees and return check fees may be applicable. Electronic payments are verified for funds availability. If your account has insufficient funds, the payment will be cancelled.
- What is the cut-off time for payments?
Payments need to be entered by 2:00 pm Central Time in order to be processed that business day. Payments entered after 2:00 pm will be processed the following business day.
- How far in advance should I set up a payment to ensure that it is paid on time?
Electronic payments should be scheduled 3 business days in advance of when the payment is due. Electronic payments may be delivered as quickly as 1 day, but that does not guarantee that the payee will process the payment and credit your account on that same day.
Check payments should be scheduled 7-10 business days in advance of when the payment is due.
- How do I know if the payment will be sent by check or electronically?
‘Check’ or ‘Electronic’ will be displayed under the payee name on the payments tab.
- How far in advance can I enter a payment?
A recurring scheduled payment can be set up in advance to any date in the future. A one-time payment can be set up to be sent 5 years in the future.
- What is eBill?
eBill is a feature that allows you to receive and pay electronic summary versions of paper bills directly through Online Bill Pay.
- How do eBills work?
eBills are delivered directly to your online Bill Pay account. Once you arrange for electronic billing with a particular company, an eBill comes directly from that payee to your account. Examples of businesses that offer eBills include cable service providers, phone service providers, utility providers, and credit card companies.
- Will I still receive paper statements when I have eBill?
Please check with each payee, as billing practices can vary from business to business.
- How will I know if eBill is available for a payee?
If your payee is eligible for eBill, you will see a "Setup eBill" link next to their listing on your dashboard.
- What are the primary benefits of eBill?
With eBill, everything you need is in one convenient location. Using eBill allows you to streamline your bill paying routine and have online access to your bills. That means you won't have to keep track of paper bills. In addition, you can view past bill summaries at a glance.
- What information is included in an eBill?
Balance due, due date, and minimum payment amount are included in your eBill. If you need additional details, there will be a link that lets you login to your account on your payee's website, or you can check your paper statement.
- How do I pay an eBill?
To pay an eBill, simply choose the account you want to pay from, enter the amount you want to pay, and schedule when you want the payment delivered.
- How do I know when I have received an eBill?
You can sign up to receive an electronic notice to alert you when an eBill has been delivered to your account. You can receive these notices in the form of emails or text alerts to provide an extra reminder when a payment is due.
- What is OFM?
OFM allows Online Banking users to view and maintain their financial information for First Bank & Trust accounts as well as any external financial accounts in one easy and convenient location. OFM allows you to track spending behaviors, categorize expenses, set financial goals, and create budgets. OFM can give you a total financial picture to better understand your financial activity.
- What are the benefits of OFM?
- Track accounts and categorize transactions
- Retain and review account information, transaction activity, budgets, and goal history
- Assist in building net worth by tracking progress toward a budget or goal
- Monitor activity through alerts
OFM allows you to:
- How do I enroll with OFM?
Log in to Online Banking and choose the OFM tab. You will then be guided step by step through a set-up process. You will also be asked to agree to an online agreement.
- Is there a fee to utilize OFM?
No, there is no fee to utilize OFM.
- What kinds of accounts will display in OFM?
Your First Bank & Trust accounts tied to your Online Banking ID will automatically display. You will not be able to delete any of your First Bank & Trust accounts from view.
You can choose to aggregate in external accounts tied to other financial institutions or companies (e.g., credit cards, investment accounts, other bank accounts). The only stipulation is that those external accounts must be accessible through a website with log in credentials.
External accounts not accessible through a website can be manually loaded and updated.
- Can I delete external accounts displaying in OFM?
Yes, you can delete external accounts from view within OFM at any time.
- Can First Bank & Trust view my external account information?
If you choose to aggregate in an external account, First Bank & Trust will be able to see the account name you assigned, the type of account, the institution, and the last date the account was updated in OFM. First Bank & Trust will not be able to see specific information about your account, such as account balance, interest rates, or payment amounts. However, we may use this information in the aggregate in order to direct delivery of marketing materials.
- How can OFM help me establish and monitor a budget?
- Compare monthly expenses to budget amount.
- View transactions by category.
- View income and expenses by category.
- View spending/cash flow summary.
- Create and update a budget.
The OFM budget feature allows you to:
To fully establish and monitor an effective budget, you may want to upload your external financial accounts, which are outside of First Bank & Trust. This will allow you to see a total financial picture and more accurately establish a budget.
- What is the difference between a budget and a financial goal?
A budget allows you to monitor income and expenses, while a financial goal is a monetary amount you want to achieve by a certain date, such as saving money for a vacation.
- Can I set up alerts within OFM?
Yes, OFM allows you to set up alerts for your First Bank & Trust accounts within OFM as well as your external accounts loaded into OFM. Alerts are messages you create to notify you of an event. Notifications are delivered within OFM and can also be delivered to your email.
Please note: OFM alerts are separate from Online Banking alerts.
- What types of alerts are available within OFM?
- Budget Threshold: when an amount or percentage approaches or exceeds either the whole budget or a selected budgetary item.
- Account Threshold: when an account balance is under or over a certain amount.
- Account Credit/Deposit: when a deposit or credit transaction is made to a designated account.
- Account Update Reminder: a periodic reminder to update an account.
- Transaction Merchant: when any transaction is made at a designated merchant.
- Transaction Amount: when a transaction for a designated account exceeds a defined amount.
- How do I disable OFM alerts?
To disable an OFM alert, go to the Alerts option and click the red ‘x’ next to the alert you wish to disable.
- How do I obtain additional help for my questions on OFM?
If these FAQs haven't helped to answer all your questions, please review the OFM User's Guide. Or, if you are already enrolled with OFM, you can access Online Help by selecting the Help menu item within OFM. Help will open in a separate window and will default to the Help Home page where you can select a topic.
- How do I learn more details about the specific functions and features of OFM?
Please see the OFM User's Guide for details about the specific functions and features of OFM as well as how to get started.
- What is a chip card?
A chip card is a regular plastic credit or debit card with an embedded microchip that provides an extra layer of protection when used in stores with a chip-activated reader.
- How does chip technology protect my information?
Whenever you use your card at a chip-activated terminal, the embedded chip generates a one-time use code. This code is virtually impossible to counterfeit and helps reduce in-store fraud.
- Where can I use my chip card?
- Chip-activated terminals – Visa chip cards offer the greatest security when inserted into a chip-activated terminal.
- Terminals that are not chip-activated – Since there is a magnetic stripe on the back of your card, you can simply swipe it.
- Online – Just like before, enter your card number or, if the card is already on file with that merchant, select your card during the checkout process.
- ATMs – Visa chip cards are still accepted at the ATMs you have been using.
Visa chip cards work everywhere Visa is accepted including:
- Can I swipe my card to pay?
Yes. If a merchant is not yet chip-activated, you can continue to swipe your card. Keep in mind, you may need to sign for your purchase.
- What should I expect over conversion weekend, November 13–15?
- Current online access to your credit card account will end on Friday, November 13 at 7 p.m. Access to the 800-442-4757 customer service line will be available starting Saturday, November 14 at 6 a.m. Access to the new online credit cardholder portal, https://www.gotomycard.com/firstbt, will be available Monday, November 16 at 6 a.m.
- Account changes received between 4 p.m. on November 12 and 6 a.m. on November 16 will be processed after 6 a.m. on Monday, November 16.We would recommend any AUTO credit card payments that are normally due on November 13, be updated to post on November 12, prior to 4 p.m. CST.
- No NEW card orders will be accepted between 4 p.m. CST on November 9 and 6 a.m. on November 16.
- Will I be able to see my PAST credit card information online?
No, you will not be able to view or access your existing e-statements after the conversion on November 13, 2015. Please download your existing e-statements to ensure you have them on file. In order for us to retrieve your statements from the archives after the conversion, there will be a $2.50 fee assessed per page.
- How do I view my credit card information online?
After 6 a.m. on November 16, 2015, go to www.gotomycard.com/firstbt to register and begin using the new site. Your information will also be available in Online Banking if you’re currently an Online Banking customer.
- Will I receive a new card?
You may continue to use your existing card. When your current card is scheduled to expire, you will receive a new chip card (see next page for details) with a new card number, prior to the expiration date.
- Will my credit card number change?
When your current card expires, you will receive a new chip card with a new card number, prior to the expiration date. Please be sure to update any recurring payment information at that time.
- Will the 24/7 Card Service phone number be the same?
No, the new Card Service phone number will be 800-442-4757. However, the current Card Service number will continue to work.
- Will there be an interruption to service during the conversion? If I use my card, could I be declined?
No, your card will continue to work through the conversion with no interruption of service.
- Will there be an interruption with my statements?
There will be no interruption with the timing of statement delivery, however, by default all cardholders are enrolled in “Paper Statements Only”. If you prefer to receive your statements electronically, select the “Go Paperless” option in the new online credit cardholder portal to complete the enrollment requirements. Once that is completed you will be notified via email regarding statement availability and will no longer receive paper statements.
- Will my Personal Identification Number (PIN) change?
When your current card expires, you will receive a new PIN with your new chip card.
- If I did a preauthorized or recurring ACH bill with my First Bank & Trust Visa® Card, do I need to make any changes?
Your existing card number, verification code, and expiration date will remain the same. You do not have to change information provided to companies where you have an existing recurring transaction or preauthorized transaction, or pay a bill using ACH, until you receive your new chip card.
- Will the address to where I send my payment change?
No, please continue to send your payments to P.O. Box 6000, Brookings, SD 57006.
- Will my credit card payment date change?
Your payment due date will remain the same. Please note that if your payment is set to automatically pay on November 13, we recommend changing it for this one month (November 2015). See the second question at the top for details.
- If my credit card is a joint account, will this affect the other cardholder as well?
No, their information will also be transferred, and all of the above information relates to their card as well.