Credit Cards

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General Payment Questions

• Where do I send my credit card payments?

  Please send your credit card payments to:

  Bankcard Payment Processing
  PO Box 2557
  Omaha, NE 68103-2557

• Where do I send an overnight credit card payment?

  Please send your overnight credit card payment to:

  Bankcard Payment Processing
  Attention: Express Payments
  1620 Dodge Street
  Omaha, NE 68197-2210

• Can I pay my credit card bill online?

  You can pay your credit card bill online free of charge up to 30 days in advance. Online payments submitted prior to 5:00 p.m. Central Time will be posted to your account the same day. Payments submitted after 5:00 p.m. Central Time will be posted the next day. At our discretion, availability of funds may be delayed to ensure any payment(s) received have cleared.

• Is there a charge to pay my credit card bill online?

  No. You can always pay your Fremont National Bank credit cards for FREE!

• Is it safe to pay my credit card bill online?

  Yes, your personal information and the account data is protected by multiple independent security protocols: firewalls, data encryption, and a verifiable password. These create a secure electronic tunnel between your computer and the Fremont National Bank system. Fremont National Bank supports the use of 128-bit encryption technology, one of the most secure forms of encryption currently available for commercial use over the Internet.

• How do I send a wire transfer for payment to my credit card account?

  Please provide the following information to the bank making the transfer:

  1. Our bank name and address:
     Cardmember Services Payment Processing
     1620 Dodge Street
     Omaha NE 68197
  2. Our bank phone number: 1-800-688-7070
  3. Our ABA routing number: 104000016
  4. Your name as it appears on your card
  5. Your credit card number

  The wire transfer must be received by First Bankcard prior to 5:00 p.m. CST to post to your credit card account the same day. Payments received after 5:00 p.m. CST or on a weekend/holiday will be applied to your account on the next business day.

Making Online Payments

• How do I find my account number and routing number?

  Use the sample check below to locate the account number and routing number of the account you will be using to make the payment to your credit card account online. Your bank routing number will be 9 digits long. Your bank account number will vary in length, it may be shorter or longer than the example shown below.

  Note: The routing number printed on your check will be correct in most cases. But, some banks are using a separate routing number to process electronic payments. Please check with your bank if you have any problems using the routing number printed on your check.

  

• Will my online payment post to my account today?

  Online payments submitted prior to 5:00 p.m. Central Time will be posted to your account the same day. Payments submitted after 5:00 p.m. Central Time will be posted the next day. You can pay your credit card bill online free of charge up to 30 days in advance. At our discretion, availability of funds may be delayed to ensure any payment(s) received have cleared.

• Can I change or delete my online payment once I've submitted it?

  Yes. You may delete or change a current pending payment prior to 5:00 p.m. Central Time on the day the payment will post. After 5:00 p.m. Central Time, payments posting that night cannot be changed or deleted.

• How far in advance can I make an online payment to my credit card?

  You can pay your credit card bill up to 30 days in advance.

• Can I schedule more than one online payment in advance?

  No. There can be only one pending payment at a time for each Fremont National Bank credit card account you pay online. However, you may schedule payments free of charge as often as you like for up to 30 days in advance.

• Will my online payment affect my AutoPay?

  Yes. Online payments made to your account will reduce your AutoPay amount unless the additional payment is made within five days of your due date. If your online payment is made within this time frame, it will not reduce the AutoPay amount. If you have any questions or need more information, please Contact Us.

• Can I make an online payment from my savings account?

  Yes. We will accept payments from a savings account. However, your bank must allow the draft. Please check with your bank to determine if a draft from your savings account is allowed.

Ordering a Card Replacement

• How long will it take to receive my credit card?

  Our credit department reviews and approves all requests for additional cards. Upon approval the additional card will be sent. The delivery times will vary depending on your location. However, most cards will be received within 10-14 business days of the original request.

• Can I have my credit card mailed to a different address?

  If you need your card mailed to an address other than your current mailing address listed on your account, please Contact Us.

• Can I still use my credit card if it expires this month?

  Yes, your credit card(s) are good through the last day of the month.

• Why didn't the ATM return my credit card?

  Most likely the PIN entered did not match the PIN associated with that credit card account. For security purposes, the credit card will be captured if an incorrect PIN number is entered more than 3 times. If you have forgotten your PIN, you may request a new PIN in the Account Services section once you have logged into your account. To find out how to collect a confiscated card, please call 1-800-395-0637.

• Can I change the name on my credit card?

  You will find instructions on how to complete your request for a name change in the Account Services section of Online Banking. Requests to correct a misspelling on your card can be made online. However, if the change is due to marriage, to divorce, or other reasons, an online form must be completed and returned to our credit department accompanied by legal documentation showing the name change.

Add/Remove Authorized User or Joint Cardmember

• Can I allow another family member to use my credit card?

  The family member must first be added to your account as an authorized user. Requests to add a family member or other persons to your account as an authorized user can be requested online in the Account Services section of Online Banking. All requests for additional cards will be reviewed for approval by our credit department.

• What privileges does an authorized user have on my credit card account?

  An authorized user may make purchases on the account. An authorized user cannot be enrolled online or make changes to the account.

• What privileges will a joint cardmember have on my credit card account?

  A joint cardmember receives a card in his or her name and has the same privileges as the primary cardmember. He or she will also share full responsibility and liability for the account. Adding a joint cardmember to the account is subject to credit review, including a credit report in the name of the person to be added. A joint cardmember must be at least 18 years of age.

General Questions

• What Credit Card Account Services can I do online?

  • Transfer your higher rate balances to your Fremont National Bank credit card
  • Add or Remove a Cardmember
  • Sign up to receive your Fremont National Bank credit card statement online
  • Request a Credit Limit Increase
  • Order a replacement card
  • Request a PIN (Personal Identification Number)
  • Add Email Alerts to your credit card account
  • Design you credit card with your personal picture

  These Credit Card Account Services and many more can be found by logging in and accessing the Account Services tab.

• What should I do if my credit card is lost or stolen?

  If you lose your card, Contact Us immediately. We'll block your account and issue you a replacement card. In an emergency situation, such as when you're traveling, we'll get you a temporary replacement card within 24 hours.

• Can I use my Fremont National Bank credit card to get cash at an ATM?

  Yes. You can use your Fremont National Bank credit card at any PLUS System or NETS ATM - 24 hours a day, 7 days a week. All you need is your card and Personal Identification Number (PIN) - the secret code that lets you access your account from an ATM.

  Note: Applicable fees may apply.

• How far back can I obtain credit card account information?

  Up to seven years of statements will be available online. Any transactions posted to your credit card account since the last statement will also be available.

• Can I activate my credit card online?

  Yes, you can activate your credit card online in the Account Services section of Online Banking.  This option will only appear if your credit card account requires activation.

• Why don't I see the option 'Card Activation' in Account Services?

  Card Activation will only display if your enrolled credit card account requires card activation. If you have additional questions, please Contact Us.

• What types of Account Alerts are available for my Credit Card?

  There are several types of email alerts that you may request to receive on the Account Alerts page for your credit card account(s). Learn more about Priority Alerts.

• How can I be instantly approved when applying for a credit card?

  After filling out a credit card application and clicking Submit, we will begin processing your application. In just a few moments, you will have a response. If you've been approved, you will receive your new card in the mail. If we need more time to process your application, you will hear from us shortly. Instant approval is not available on all credit card products.

If you did not find the answer you were looking for or have a comment, Contact Us.