Where to send your First Bank of Omaha credit card payment
First Bank of Omaha accepts payments through their online banking portal, by phone, by mail, or in person at a branch. The fastest and most common route is online through your account dashboard — you can set up a one-time payment or recurring automatic payments there. If you prefer to call, the customer service number is on the back of your card. Payments by mail go to the address printed on your statement, though mail typically takes five to seven business days to arrive and post to your account.
In-person payments at a First Bank of Omaha branch are also an option if you have one nearby. You can walk in with a check or debit card and make an when ready payment. The branch can also help you set up automatic payments if you want to stop managing payments manually.
Key Takeaways
- Online payments through your First Bank of Omaha account dashboard post within one business day and carry no fee.
- Phone payments are available by calling the number on your card, and the bank can set up automatic recurring payments during that call.
- Mail payments take five to seven business days to arrive, so send them at least a week before your due date to avoid a late fee.
- Automatic payments can be set up online, by phone, or in person and remove the need to remember your due date each month.
- Your payment due date and minimum payment amount appear on your monthly statement and in your online account.
Setting up automatic payments to avoid missed due dates
Automatic payments are the simplest way to stay on time. Log into your First Bank of Omaha online account, go to the payments section, and choose "Set Up Automatic Payment." You will select the amount (minimum payment, statement balance, or a fixed dollar amount you choose), the date each month you want it to come out, and the account it should pull from. Once confirmed, the payment happens on that date every month without you having to do anything.
If you do not have online access yet, call the number on your card and a representative can set up automatic payments over the phone. You will need to provide the bank account or debit card you want the payment to come from and confirm the date and amount. Many people set automatic payments for the full statement balance so they never carry interest, though you can choose any amount that fits your budget.
What happens if you miss a payment or pay late
A payment is considered late if it arrives after your due date. First Bank of Omaha typically charges a late fee (the amount varies but is usually $25 to $40 for the first late payment) and may increase your interest rate if you are more than 60 days late. The late payment also appears on your credit report and can lower your credit score.
If you realize you will miss your due date, contact the bank when ready. Some cardholders have had late fees waived if they call before the due date passes and explain the situation, though the bank is not required to do so. Paying as soon as you can after the due date passes is still better than waiting longer — the longer the account stays past due, the more damage it does to your credit and the higher your interest charges become.
How to find your due date and statement balance
Your due date and current balance appear in three places: on your monthly paper statement (if you receive one by mail), in your online account dashboard, and on your most recent billing statement. The due date is usually the same day each month — often the 15th or the last day of the month, depending on when you opened the account. If you are unsure, log into your account or call customer service to confirm.
Your statement balance is the total amount you owe for all purchases and fees from your last billing cycle. This is different from your current balance, which includes any new charges since your statement closed. If you want to avoid interest charges, pay your full statement balance by the due date.
Paying more than the minimum to reduce interest
The minimum payment is the smallest amount the bank requires you to pay to stay current on your account. Paying only the minimum means the rest of your balance carries over to the next month and accrues interest. If you carry a balance, paying more than the minimum reduces how much interest you owe and gets you out of debt faster.
For example, if you owe $2,000 at 18% interest and pay only the $50 minimum each month, it will take you years to pay off and cost you hundreds in interest. If you pay $200 a month instead, you will be done in about a year and pay far less interest. You can make extra payments anytime through your online account or by phone — there is no penalty for paying early or paying more than required.
Payment processing times and when money leaves your account
Online payments typically post to your account within one business day. If you pay on a Friday, the payment usually shows up by Monday. Phone payments work the same way — the bank processes them the next business day. Mail payments take longer because they have to travel through the postal system and then be processed, which usually means five to seven business days from when you mail them.
The money leaves your bank account on the day you schedule the payment (for online and phone) or on the day the bank receives and processes the check (for mail). If you are cutting it close to your due date, online or phone payments are much safer because they post faster. If you mail a payment, send it at least a week early to make sure it arrives before your due date.
Frequently Asked Questions
Can I pay my First Bank of Omaha card with a debit card or another bank's account?
Yes. Online payments let you use a debit card or checking account from any bank. Phone payments work the same way. You will need the routing number and account number if you are paying from a checking account, or the card number and expiration date if you are using a debit card.
What if my payment was rejected or did not go through?
Log into your account and check the payment history to see if it shows as pending or failed. If it failed, the most common reasons are insufficient funds in the account you were paying from, an incorrect account number, or a closed account. Call customer service to find out why it was rejected and try again with corrected information.
Do I have to pay the full balance, or can I pay just part of it?
You can pay any amount as long as it is at least the minimum payment shown on your statement. Paying less than the full balance means the rest carries over and accrues interest, but you will not be late as long as you pay the minimum by the due date.
Can I change my automatic payment date or amount after I set it up?
Yes. Log into your account, find the automatic payment in your settings, and edit the date or amount. You can also cancel it and set up a new one. Changes usually take effect on your next scheduled payment date.
What if I want to pay off my entire balance early?
You can pay any amount at any time with no penalty. Make a payment through your online account, by phone, or in person at a branch for the full balance shown in your account. Paying early saves you interest and gets you out of debt faster.