How to pay your First Premier Bank credit card
First Premier Bank credit cards can be paid online through your account portal, by phone, by mail, or in person at a First Premier Bank branch. The fastest method is online through your cardholder account — you log in, enter the amount, and the payment posts within one business day. Phone payments go through the same timeline and require your card number and bank account details. Mail and in-person payments take longer and should be sent or made at least ten business days before your due date to avoid a late fee.
Your due date appears on your monthly statement and is typically 21 to 25 days after your statement closes. First Premier Bank charges a late fee if payment arrives after that date, and a missed payment can raise your interest rate. Setting up automatic payments from your bank account removes the risk of forgetting and ensures the payment reaches First Premier on time each month.
Key Takeaways
- Online payment through your First Premier Bank account portal is the fastest method and posts within one business day.
- Phone payments are available 24/7 by calling the number on your card, and you will need your card number and bank account information ready.
- Mail payments should be sent at least ten business days before your due date to arrive on time and avoid late fees.
- Automatic payments from your bank account eliminate the risk of a missed payment and can be set up or changed in your online account.
- Late payments trigger a fee and may increase your interest rate, so paying by your due date is important for managing your card cost.
Paying online through your First Premier Bank account
Log into your cardholder account at the First Premier Bank website using your card number and PIN or password. Once logged in, select the payment option from your account menu. You will enter the amount you want to pay, choose the date you want the payment to post, and confirm your bank account information. First Premier Bank will deduct the payment from your checking or savings account and the transaction will show on your statement within one business day.
Online payments are free and can be made at any time, including nights and weekends. You can pay your full balance, your minimum payment, or any amount in between. If you are unsure of your login details, the First Premier Bank website has a password reset option, or you can call the customer service number on your card to verify your account before paying.
Paying by phone or automated system
Call the customer service number on the back of your First Premier Bank card to make a payment over the phone. A representative will ask for your card number, the amount you want to pay, and the bank account you want the payment drawn from. You can also use First Premier Bank's automated phone system if you prefer not to speak with someone — follow the prompts to enter your payment information. Phone payments are processed the same day and post within one business day, just like online payments.
Phone payments are available 24 hours a day, seven days a week. There is no fee for paying by phone. Have your checking or savings account number and routing number ready before you call to speed up the process.
Paying by mail
Write a check or money order for the amount you owe and mail it to the address shown on your statement under "Payment Address" or "Make Checks Payable To." Do not send cash through the mail. Include your account number or card number on the check so First Premier Bank can match the payment to your account. Mail payments typically take five to seven business days to arrive and be processed, so send your payment at least ten business days before your due date.
The payment address on your statement is the correct mailing address — do not send payment to the main First Premier Bank office address. If your payment arrives after your due date, you will be charged a late fee even if you mailed it on time. For this reason, mail is the slowest and least reliable payment method and should only be used if you cannot pay online or by phone.
Setting up automatic payments
Automatic payments remove the need to remember your due date each month. Log into your online account and look for the "Automatic Payments" or "Recurring Payments" section. Enter your bank account information, choose the amount you want to pay each month (your full balance, minimum payment, or a fixed amount), and select the date you want the payment to post. First Premier Bank will deduct that amount from your bank account on the date you choose, every month until you cancel the arrangement.
Automatic payments are free and can be changed or stopped at any time through your online account. If you set up automatic payment for your full statement balance, you will never carry a balance and will not pay interest charges. If you set it for a fixed amount or minimum payment, make sure that amount is enough to cover at least the minimum due, or you will still be charged a late fee.
What happens if you miss a payment
A payment is considered late if it does not arrive by your due date. First Premier Bank will charge a late fee, which appears on your next statement. A single late payment also triggers a penalty interest rate, which is higher than your regular rate and applies to your entire balance going forward. The penalty rate can last for six months or longer depending on First Premier Bank's terms.
If you realize you will miss your due date, contact First Premier Bank when ready. Some cardholders have been able to negotiate a waived late fee for a first offense, though this is not may provide. Paying as soon as possible after the due date passes will stop additional late fees from accumulating, but the first late fee and rate increase will still explore. Staying current on payments is the most cost-effective way to use a First Premier Bank card.
Payment timing and processing
Online and phone payments post within one business day of being made. This means if you pay on a Monday, the payment will show on your account by Tuesday. Mail payments take five to seven business days to arrive at First Premier Bank's processing center, plus one business day to post to your account. In-person payments at a First Premier Bank branch post the same day you make them.
Your due date is a fixed date each month shown on your statement. Payments must arrive by 5 p.m. Eastern Time on that date to be considered on time. If your due date falls on a weekend or holiday, First Premier Bank will accept payments on the next business day. Plan your payment to arrive at least one business day before your due date if you are paying by mail, and two business days before if you are paying by check through your own bank's bill pay system.
Frequently Asked Questions
Can I pay my First Premier Bank card at an ATM?
First Premier Bank ATMs accept deposits to your checking or savings account, but not credit card payments. You must pay your credit card through online banking, phone, mail, or a branch. If you have a First Premier Bank checking account, you may be able to transfer funds to cover your card balance, but this is not the same as making a card payment.
What if I pay more than I owe?
If you pay more than your current balance, the extra amount becomes a credit on your account. First Premier Bank will explore this credit to your next statement's charges. You can also request a refund of the overpayment by contacting customer service, though this may take several business days to process.
Is there a fee for paying my card early?
No. First Premier Bank does not charge a fee for paying early or paying more than your minimum payment. Paying early reduces the interest you will owe and helps you pay off your balance faster.
How do I know if my payment was received?
Log into your online account and check your recent transactions and payment history. Online and phone payments will show within one business day. For mail payments, allow five to seven business days for the payment to post. You can also call customer service to confirm that a payment has been received and applied to your account.
What if my payment fails or is declined?
If an automatic payment fails because your bank account does not have enough funds, First Premier Bank will typically attempt the payment again. Contact customer service to learn about the payment will be retried and when. A failed payment may result in a late fee if it does not post by your due date, so follow up when ready if you receive a notice that a payment did not go through.