Credit Cards

Where do I send my credit card payments?

Please send your credit card payments to:

Bankcard Payment Processing
1620 Dodge Street
Omaha, NE 68197-2210

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 business 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 credit cards from us 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 that create a secure electronic tunnel between your computer and the website system. Our website 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 prior to 5:00 p.m. Central Time to post to your credit card account the same day. Payments received after 5:00 p.m. Central Time or on a weekend/holiday will be applied to your account on the next business day.

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. 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 business 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 credit card account with us 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, 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. Check with your bank to determine if a draft from your savings account is allowed.

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, 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 by selecting change PIN from the Account Services link on the left navigation menu on the Accounts tab. 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 by selecting Replace a Credit Card from the left navigation menu on the Service Requests tab. Requests to correct a misspelling on your card can be made online. However, if the change is due to marriage, divorce, or other reasons, an online form must be completed and returned to our credit department accompanied by legal documentation showing the name change.

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 by selecting Update Authorized Users from the Account Services link on the left navigation menu on the Accounts tab. 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.

What Credit Card Account Services can I do online?

  • Transfer your higher rate balances to your credit card
  • Add or remove a cardmember
  • Sign up to receive your 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 to the secure website.

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 credit card to get cash at an ATM?

Yes. You can use your 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 using the Activate Card link on the left navigation menu on the Accounts tab. This link will only appear if your credit card account requires activation.

Why don't I see the option 'Activate Card' link online?

Activate Card will only display if your enrolled credit card account requires card activation. If you have additional questions, 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 Account 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.