Personal Help Center

Please send your credit card payments to:

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

You can pay your credit card bill online free of charge up to 30 days in advance. Online payments submitted prior to 11:59pm. Central Time will be posted to your account the same day. Payments submitted after 11:59pm. 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.

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.

Yes, Visa® and Mastercard® Credit Cards can be temporarily turned off. The card lock/unlock feature provides convenient, self-service control of your account if you have temporarily misplaced your credit card or if, for a limited period of time, you want to prevent yourself from using your credit card or prevent an authorized credit card user from using their credit card.

• When I lock/unlock my card, when will the change take effect?
  • Immediately
• What happens when I lock my card?
  • We will send you a confirmation email when the card is locked or unlocked.
  • We will send an email notification if a declined transaction occurs as a result of the card being locked.
  • Locking your card will prevent it from being used for new purchases, ATM withdrawals, cash advances, and online purchases from merchants that have the card on file.
  • To avoid service interruptions, locking your card will not stop recurring transactions (such as subscriptions and gym memberships) that the merchant designates as recurring transactions.  Please note that we do not control how merchants choose to designate these transactions.  Incoming balance transfers will still be processed.
  • If you’ve added your Visa® card to a digital wallet, you can still make digital wallet purchases in stores, merchant apps, and online while your card is locked.
  • If you’ve added your Mastercard® credit cards to a digital wallet, locking your card will prevent it from being used for digital wallet purchases in stores, merchant apps, and online.
  • When using our lock/unlock service, please communicate with other users on your account as the setting changes you make will apply to all cards with the same account number.
• What if the lock/unlock feature is not available on my card?
  • The lock/unlock feature is only available to owners on the account. If you don’t see the lock/unlock control, you don’t have access permissions to use this feature.
• What happens when someone tries to use my card when it’s locked?
  • We will send you an email letting you know that a transaction has been declined. If there are other users on your account, please let them know if you have locked your card because they won’t be able to use their card while it is locked.
• What should I do if I see a fraudulent charge on my card?
  • Report the fraudulent activity
    • Credit Card – call 800-444-6938

If you need your card mailed to an address other than your current mailing address listed on your account, please call us at 888-530-3626.

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

You will find instructions on how to complete your request for a name change in the Services Tab. 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.

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. All requests for additional cards will be reviewed for approval by our credit department.

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

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.

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

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

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.

1. Login to your online account.
2. Click on "Credit Card Account Services".
3. Click on "Request Limit Increase"

Visit your nearest branch or call us at 1-888-530-3626.

Please call us at 888-530-3626.

With the mobile app you can check account balances, view transaction history, transfer funds between accounts, pay bills and even deposit checks using the camera on your phone. You can also find the nearest branch or ATM and easily find contact information if you need to call us.

Our mobile security uses the same high standards we use in our online banking. It is designed to provide for a secure exchange of information with our customers. We utilize multiple security protocols such as firewalls, data encryption and customer authentication techniques. Account information is never stored on your phone.

For the most part, you can do the same functions on your mobile device as you can on your computer. The mobile app is simply optimized for your mobile device so it is easier to use.

If you are enrolled in online banking you will use the same user ID and password that you use to log-into your computer. Not enrolled in online banking? Just select Enroll when you launch your mobile device to set up online banking.

No problem – just download the app again from the app store and log-in with your online banking User ID and password. Our mobile app does not store any personal information on your phone, so you won’t have to worry about losing information or transferring it to a new phone.

Our app is free! Data charges from your mobile carrier may apply.

iPhone^®, iPad^®, and Android^TM Phones and Tablets

Yes, you can conveniently set up and manage bill pay right from your mobile device.

a. You must have an eligible checking or savings account.
b. You are limited to $40,000 or 10 items, per day.
c. Don't forget to endorse your check.
d. Please unfold and flatten your check and place in a well-lit area with a solid background when taking your photo. Make sure you can see all corners of the check and try to avoid shadows.

No, depositing a check using our mobile apps is free!

Click here to view our Mobile Remote Deposit Terms & Conditions

Keep your check in a safe place for 14 days, in case it is needed for verification. Please check your account history to verify your deposit has been credited. It's also a good idea to write "Already Deposited" on the front of your check so it's not accidentally deposited again.

To change your email address(es), login to your account and go to the Profile section of the site.

At the end of each business day, when the account alerts are generated, the last payment that posts to your loan account will be the payment amount that is reflected on your alert. If there were multiple payments made, or if the loan payment(s) were split between principal and interest, the alert amount may not match the amount of the payment you made. It is recommended that if your alert does not match the amount of your last payment, that you log in to our secure web site to view your loan account history.

Each time you receive a new message, an email will be sent to your personal email address notifying you of the new message. Log in to online banking and click on Contact Us to access the Online Message Center where you will be able to view your new message.

It is our goal to respond to all messages within a reasonable amount of time. If you haven't received a reply within the designated amount of time, please resend the message or call our customer service representative.

When you delete a message, the message is no longer available in the Online Message Center but remains on our system for a period of 1 year.

For your security, every customer should have a unique User ID.

Once you log in to the website, you can request a PIN change for your credit card and Visa® Debit Card/ATM card. First, click the "Services" tab on the top navigation tabs. Second, on the left side navigation, click "+Credit Cards Account Services" to update a Credit Card PIN or "+Deposit Account Services" to update a Debit Card PIN. Finally, Click "PIN Request"

No, when you sign up for Paperless Statements you will not receive a paper statement in the mail. If you would like to continue to receive your paper statement, and you would also like to receive an email notifying you when your new account information is available to view online, you can sign up for the Statement Information Available email alert in the Manage Alerts section of the site.

Yes, you can choose to send your paperless statement notifications to up to two email addresses per account.

At any time you can return to paperless statements in the Accounts section of the site and choose Manage Statements to turn paperless statements on or off.

You will begin to receive paperless statements and stop receiving paper statements with your next statement cycle. If your statement has recently cycled, you may receive one last paper statement before electronic statements begin.

Statements are available to view for up to seven years online. You can request a copy of past statements within the Service Requests tab. Any transactions posted to your account since the last statement will also be available.