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.
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What if my credit card is lost or stolen?
Report it immediately by calling us at:
First National/Legacy: 888-883-9824
Blaze Visa: 866-205-6600
What if I want to dispute a charge on my statement?
After logging into your account, go to the Transaction History tab above, locate the charge, click on the Description and select 'Dispute Transaction'.
Who is GIACT?
GIACT provides a payment verification service that verifies your payment information.
Why are we using a payment verification service?
Through this service, you have an added layer of protection from fraud.
Where do I send my payments?
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.
Are there other ways I can make payments?
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
or Western Union using Code City/State:
Debit card payments are accepted for a processing fee of $3.95 through a Customer Service Representative.
What is a Paperless Statement?
A "Paperless" statement is an electronic, PDF format of your account statement. It contains all of the same account information as paper statements. It is delivered online instead of through the U.S. Mail.
How do I enroll in Paperless Statements and stop receiving statements via U.S. Mail?
After logging into your account, select Manage Statement Delivery Method and follow the online instructions.
Is there a cost for Paperless Statements?
No. Paperless Statements are Free.
What security measures does the First National Credit Card website use?
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.
How long will a pending authorization appear in my transactions?
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.
What time does my web payment need to be submitted on my due date to be considered on time?
Web payments need to be completed prior to 5:00pm Central Time on the due date to post on that date.
How do I change my payment information online?
To change the payment information (i.e. routing number or checking account number) that has already been provided, select the "Payments" tab at the top of the screen then select "Make a Payment". Enter the desired amount and select "Continue". The confirm payment window will provide the options of "Yes", "Edit", and "Cancel". Select the "Edit" option and enter your new payment information. This information will be kept on file for future web payments.
My payment has posted, but is not reflected in my available credit to use. Why?
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.
How do I change my name on my account?
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.
My card is about to expire. When will I receive my new card with an updated expiration date?
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.
Why do I need a PIN (Personal Identification Number)?
The PIN allows you to access cash using an Automatic Teller Machine (ATM). This number is computer-generated and mailed directly to you.
What is a One Time Passcode (OTP)?
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.
Why do I need to use a One Time Passcode?
This verification process provides an added layer of security to our Online Cardmember Services. A One Time Passcode helps us to verify your identity and protect your information.
If I chose to receive my One Time Passcode via SMS (text) message will there be a fee?
No fee will be charged, but Msg & Data rates may apply.
Why doesn't my phone number show as an option?
You have not signed up for SMS (text) alerts. After logging into your account, go to the Text & Email Alerts tab, select Add Mobile Number and follow the online instructions.
I've selected to receive a One Time Passcode by email, but I'm not receiving anything. What's wrong?
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.
Commonly Used Passwords
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
What devices can support the First National Bank Mobile App?
First National Bank Visa has a custom app for Android™, iPad®, and iPhone® devices.
What can I do using the First National Bank Mobile App?
With the First National Bank Mobile App, using your iPhone® , iPad®, and Android™ mobile devices, you can:
- Access your First National Bank Visa 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
Where can I find the First National Bank Mobile App?
The First National Bank Mobile App can be found in either the Google Play™ or Apple App Store®.
When downloading the 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.
Is the First National Bank Mobile App secure?
The First National Bank Mobile App uses the same security standards as firstnationalcc.com. We utilize high security practices, such as timing out after a period of inactivity, using your existing User ID and Password, which you only know, and never showing your account number.
What is "Sign On with Touch ID"?
"Sign On with Touch ID" allows you to use your device’s Apple Touch ID® feature to sign on to the First National Bank Mobile App using your fingerprint instead of entering your Username and Password.
If you have turned on Touch ID on your smartphone or tablet and registered one or more fingerprints, you can use your fingerprint instead of your Username and Password to sign on to the App.
What is "Sign On with Face ID"?
"Sign on with Face ID" allows you to use your device’s Apple Face ID® feature to sign on to the First National Bank Mobile App using facial recognition instead of entering your Username and Password.
What if I lose my mobile device?
If your phone is stolen or lost, the first thing you should do is call your wireless carrier (or visit their website) to report the incident. We also recommend that you change your User ID and Password for your online access to First National Bank Visa as well as any other accounts you access from your mobile phone.
Information About Chip Cards
What is a chip card?
A chip card is a standard plastic credit or debit card embedded with a microchip. This chip will help protect against fraud and make your card more difficult to counterfeit. Chip cards may also be referred to as Smart Chip cards or EMV cards.
What is EMV?
EMV stands for Europay, MasterCard, and Visa. It is a credit card embedded with a microchip. We simply refer to this as your chip card.
What makes chip cards more secure?
Each time you use your card in the chip-enabled terminal, the computer microchip produces a unique cryptographic key for each transaction. Since this one-time use transaction code is different every time, it can’t be easily used to counterfeit cards. This extra level of security makes stolen data harder to use, which decreases the incentive for fraudsters to steal it.
When will chip cards be available?
If you are an existing cardholder, there is no need to apply for or request a chip card. Starting in late 2015 and throughout 2016, cards will be replaced with a new chip card.
Do I have to pay for the chip card?
No, your new chip card comes at no additional cost to you. We want to make sure you have the benefit of this added security at no extra cost.
Do I still need to sign the back of my card?
Yes, you’ll need to sign the back of your card for security purposes.
What is a chip-enabled terminal?
It is a point-of-sale terminal at a store or merchant that is equipped and programmed to accept chip card payments. These terminals are able to accommodate both chip cards and magnetic stripe-only cards.
As chip technology is adopted in the U.S., chip-enabled terminals will be available in more locations – you’ll notice that a growing number of merchants, such as restaurants, grocery, and drug stores, will be switching to chip card readers in the U.S.
Using My Chip Card
How do I know if I need to insert my card or swipe it?
Don’t worry if you can’t tell whether or not you need to swipe or insert your card! If you swipe your chip card at a terminal that is chip-enabled, the terminal will stop the transaction and instruct you to insert the card in the chip reader instead. Some terminals may have a slot to insert the chip card, but don’t have the slot activated or turned on. In these cases, just swipe the card to complete the transaction.
How long do I need to keep my card in the terminal?
Since data is flowing between the chip card and the terminal each time you use it, the transaction will take slightly longer. With this in mind, follow the steps as the terminal instructs. Leave the card in the terminal during verification and remove it when prompted.
Will I always have to sign to complete my purchase?
No, some merchants won’t require any verification. At merchants where you make small dollar purchases, such as fast food restaurants, you may not be asked to sign to complete the transaction.
How does a chip card work for online (Internet) and telephone transactions?
Your internet and telephone transactions will work just as they do today.
What should I do if I see suspicious activity on my chip card account?
Call the number on the back of your card immediately to report any suspicious activity on your account.
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