Frequently Asked Questions

Help & Frequently Asked Questions

If you are unable to access your account information, check if your email address must be verified. Please complete the email verification process to access your Account Home page.

If you are having trouble with viewing this site, make sure that your browser is Firefox, Microsoft Edge or Google Chrome. In any case, make sure all patches (security fixes) are applied.

Report it immediately by calling us at 888-883-9824.

After logging into your account, go to the Transaction History tab above, locate the charge, click on the Description and

select 'Dispute Transaction'.

To change the payment information (routing number or checking account number), go to the "Payments" tab, click "Make a Payment" and select your payment method.

If you use a checking account (ACH), you may enter or edit your account information. Your last payment information will be saved for future payments.

If you use a debit card, your information will have to be entered at the time of payment.

You can pay your bill with no fee using your checking account on the website or our automated phone system.

You can also make payments through MoneyGram using code 3888 or Western Union using Code City/State: FNCC/

Debit card payments are accepted online or through a Customer Service Representative for a processing fee of $3.50.

To find locations to make a cash payment click on the url below:https://www.ingolocator.com/web/results/firstnationalcreditcard

Please send payments via regular mail to:

First National Credit Card

PO Box 2496

Omaha, NE 68103-2496

Please include your credit card account number on your payment.

After logging into your account, select Manage Statement Delivery Method and follow the online instructions.

You may request to change your payment due date by calling Customer Service at 888-883-9824 or mail a written request to:

First National Credit Card
PO Box 5097
Sioux Falls, SD 57117-5097

Web payments need to be completed prior to 5:00pm Central Time on the due date to post on that date.

An authorization will appear as pending until it posts to your account as a charge, a merchant releases it or it expires.

Authorizations expire after 15 days.

We reserve the right to limit available credit resulting from a payment, generally up to 12 days. These restrictions are for

security reasons and are determined by a variety of different factors. This information was included in the "Credit Card

Contract and Initial Disclosure Statement" that you received with your credit card. The "Paying Your Bill" section states

"We reserve the right to limit available credit resulting from any payment for up to thirty (30) days." Payments made via

guaranteed funds generally are not restricted and do not limit your available credit.

Your current card may be used until the last day of the month in which it expires. Renewal cards are generally mailed

around the middle of the month in which your current card expires.

The PIN allows you to access cash using an Automatic Teller Machine (ATM).

Please call the number on the back of your card to change your PIN.

A One-Time-Passcode (OTP) is a unique number that we generate and send to you either via email or verified SMS

(text) whenever we need to verify your identity. The delivery method of email or SMS (text) will be dependent upon

which option is available, or which delivery method you have selected.

No fee will be charged, but Msg & Data rates may apply.

Be sure to check your Junk or Spam folder in your email account. If you feel you have not received your One-Time-Passcode within 5 minutes, you may request that the One-Time-Passcode be sent again via the same delivery method

or a different verified delivery method, if available.

We use advanced encryption techniques to protect the information you provide to us over the Internet. You can tell that

the session is secure when you see a locked padlock displayed at the bottom of most browser windows. In addition,

before displaying any transaction activity information online, we verify the identity of the cardholder using the sign in or

enrollment information.

You may request a name change on your account by mailing a written request along with legal documentation to the

general correspondence address listed on your statement. You may also fax this request to 605-782-3435.

Commonly used passwords are less secure and easily guessed. When creating a password, do not use common options

like: 123456, password, Password123, qwerty, abcdef, etc.

We keep a list of commonly used passwords and prevent our customers from using them. This includes passwords discovered from data breaches. We recommend that our customers use password management tools such as KeePass, LastPass or Dashlane to carefully choose/create their passwords.

Information About Mobile App

The Legacy Visa and First National Bank mobile app can be found in either the Google Play™ or Apple App Store®. When

downloading the Legacy Visa or First National Bank mobile app on your mobile device, we recommend that you go to a trusted source such as the App Store on your Apple Device® or Google Play™ on your Android™ device, rather than a third-party source, such as Facebook or an email.

With the Legacy Visa and First National Bank mobile app, using your iPhone® , iPad®, and Android™ mobile devices, you can:

Access your Account Dashboard
View Statements
View Account Balances/Details
Download Statements (PDF)
Manage Paperless Statements (Enroll/Cancel)
View Payment History
Make a Payment (Cancel)
Enroll in Autopay (Edit, Cancel)
Edit your User Information (Email, Username, Password)
Edit your Account Information (Address, Home, Work or Other Phone #)
Set Up Notifications/Alerts
Contact Us
Access FAQs

Legacy Visa and First National Bank have a custom app for Android™, iPad®, and iPhone® devices.

Google Play and Google Play logo are trademarks of Google LLC.

Apple and the Apple logo are trademarks of Apple Inc., registered in the U.S. and other countries and regions.
App store is a service mark of Apple Inc.