First PREMIER Bank Customer Care: How to Reach Support Fast and Get Results

First PREMIER Bank and PREMIER Bankcard serve millions of customers nationwide, with customer care split between banking services (deposits, loans, online banking) and credit cards. Getting to the right team the first time saves time and reduces back-and-forth. Below you’ll find exact channels, practical steps, and regulatory timelines so you know what to expect—and how to escalate if needed.

First PREMIER Bank is headquartered in Sioux Falls, South Dakota, and operates under the firstpremier.com domain for deposit and lending services. PREMIER Bankcard, the credit card arm, supports cardholders primarily via mypremiercreditcard.com. As of 2024, PREMIER Bankcard reports serving millions of cardholders across the U.S., and most account servicing tasks (payments, statements, disputes, and credit limit reviews) can be completed online or via the mobile app.

Contact Channels at a Glance

The fastest route to help depends on your product. For credit card servicing, use PREMIER Bankcard’s dedicated channels; for checking, savings, CDs, loans, and online banking, use First PREMIER Bank’s channels. Keep your account number or card number handy, along with recent transaction details if you’re calling about a specific issue.

Web self-service is often the quickest solution for 24/7 needs like password resets, travel notices, transaction review, and payment scheduling. If you need to speak with a person, call volumes tend to be lighter mid-week and mid-morning (Central Time). For secure message or chat, always send within the authenticated online banking or card portal so your data is protected end-to-end.

• Credit card support (PREMIER Bankcard): 1-800-987-5521; portal: https://www.mypremiercreditcard.com
• Banking support (First PREMIER Bank): https://www.firstpremier.com; online banking login: https://www.firstpremier.com/login
• Locations and branch hours: https://www.firstpremier.com/locations
• Help/FAQ libraries: https://www.firstpremier.com/help-center and https://www.mypremiercreditcard.com/faqs
• Report fraud or suspicious activity: use the secure message center in your online profile or call the number on the back of your card/debit card for immediate assistance 24/7

PREMIER Bankcard (Credit Card) Customer Care

For card servicing, payments, statement questions, disputes, and fraud, call PREMIER Bankcard at 1-800-987-5521 or sign in at https://www.mypremiercreditcard.com. The automated line is available 24/7 for core functions (balance, due dates, payment by phone). Live-agent availability varies and is posted on the Contact page in your secure portal; expect extended weekday coverage and limited weekend hours.

Online and in-app servicing generally offers the most control: you can set up autopay, review your statements in PDF going back multiple years, and submit disputes electronically. If you’re traveling internationally, submit a travel notice in advance through your online profile—doing so reduces the chance of false declines and expedites support if you need to verify transactions while abroad.

First PREMIER Bank (Deposits, Loans, Digital Banking) Support

For personal and business banking—checking, savings, CDs, debit cards, loans, and online banking—start at https://www.firstpremier.com. After logging in, use the secure message center for account-specific questions and document sharing. The branch locator at https://www.firstpremier.com/locations lists current hours and services (drive-up, ATM envelope availability, coin counters, notarization, and business services).

If you’re setting up payroll, ACH, or direct deposit, you’ll need your account number and the bank’s routing number. Confirm your routing number inside online banking or on your checks before initiating transfers. For incoming wire transfers, verify same-day cut-off times with your branch; domestic wire cutoffs are commonly mid-afternoon Central Time, and international cutoffs can be earlier. Bring a government-issued ID if you’re initiating a wire in person.

Fees, Limits, and What to Expect on the PREMIER Bankcard

PREMIER Bankcard cards are designed for building or rebuilding credit and often carry higher costs than prime cards. As disclosed in current offers (which vary by credit profile), representative ranges include: APR near 36% variable or fixed, a first-year annual fee commonly in the $75–$125 range, and a monthly servicing fee that may apply after the first year (for example, roughly $6–$10 per month). Late fees can be up to $41, and cash advance fees often run around 5% of the advance with a minimum dollar amount. Always review the Schumer Box and Cardholder Agreement for your exact pricing before you accept an offer.

Initial credit limits are often modest (for example, $200–$700). Timely payments and low utilization can support future credit line reviews. Some offers may assess a fee tied to credit limit increases—verify in your agreement so you aren’t surprised. If you need to minimize interest, use autopay for the statement balance by the due date, and consider mid-cycle payments to keep utilization below 30% (below 10% is often better for scoring models).

Disputes, Fraud, and Your Rights (Credit and Debit)

For unauthorized credit card charges, you’re protected by the Fair Credit Billing Act (FCBA). You must notify the issuer within 60 days of the statement date that lists the error. The issuer must acknowledge your dispute within 30 days and resolve it within two billing cycles (not more than 90 days). While a charge is under investigation, you don’t have to pay the disputed amount, and your account can’t be treated as delinquent for withholding that portion.

For unauthorized debit card transactions on a First PREMIER Bank account, Regulation E applies. If you report within 2 business days of learning about the loss/theft, your liability is capped at $50; within 60 days of the statement being sent, it can be up to $500; after 60 days, liability can be unlimited for subsequent transactions. Report debit card fraud immediately via the number on the back of your card and follow up in writing through your secure message center.

• Collect facts: date, merchant, amount, and any supporting receipts or communications. Keep screenshots of online history.
• Report quickly: credit card disputes within 60 days of the statement date; debit fraud as soon as you detect it (ideally within 2 business days).
• Submit in writing: use the secure message center or the dispute form in your online portal; describe the error clearly and attach files.
• Track deadlines: the issuer acknowledges within 30 days (credit), resolves within two cycles/90 days; monitor your statements for provisional credits and final decisions.
• Escalate if needed: ask for a supervisor; if unresolved, file a complaint with the CFPB at https://www.consumerfinance.gov/complaint.

Digital Banking Tips That Speed Up Resolution

Use the secure message center (post-login) instead of plain email. Messages sent from your authenticated profile are linked to your account, which shortens verification and allows staff to share sensitive details safely. Attach documents as PDFs, label them with dates, and reference ticket numbers in subject lines so multiple interactions tie together.

For time-sensitive issues (imminent due dates, suspected fraud, or travel problems), call first to place holds or alerts, then follow up in writing. If you need a letter of credit or proof-of-funds for a real estate or business transaction, request it at least 1–2 business days in advance and confirm whether a fee applies.

Accessibility, Languages, and Special Assistance

Customer care supports callers using Telecommunications Relay Service; dial 711 to connect with a relay operator who will place the call on your behalf. If you prefer written support, secure messaging is available once you log in. Many materials are available in English and Spanish; ask a representative for language support if you don’t see your preferred language listed online.

If you’re traveling, add a travel notice 24–48 hours in advance through the app or online portal. For military customers, notify customer care of active-duty status; the Servicemembers Civil Relief Act (SCRA) and Military Lending Act (MLA) can provide rate and fee protections. Keep copies of orders ready when you call or upload through secure message.

Escalation Paths and Regulators

If you believe your concern hasn’t been resolved after working with customer care and a supervisor, you can escalate externally. The Consumer Financial Protection Bureau (CFPB) accepts complaints online at https://www.consumerfinance.gov/complaint and typically forwards cases to the company for response within 15 days, with most cases closed in 60 days.

First PREMIER Bank is an FDIC-insured institution. For deposit-account issues that remain unresolved, you can also contact the FDIC Consumer Response Center at 1-877-ASK-FDIC (1-877-275-3342). Mailing address: FDIC Consumer Response Center, 1100 Walnut Street, Box 11, Kansas City, MO 64106. Keep copies of your correspondence, case numbers, statements, and screenshots—complete files speed up reviews and outcomes.

How do I contact card premium bank account customer service?

If you still need help, you can contact us by calling (844) 227-3602 and using our automated support services. You may also call us to speak with a live agent, Monday – Friday, 7:00 a.m. to 7:00 p.m. CST. There are no additional costs or fees when using any of our Account Support Services.

What’s the highest credit limit with First Premier Bank?

$5,000
The highest credit limit for a First Premier credit card is $5,000, available with the First PREMIER® Bank Secured Credit Card. Note that the credit limit for the card equals your security deposit, and the minimum deposit to open the account is $200.

What bank owns the First Premier Bank?

United National Corporation

Do banks have 24 hour customer service?

Customer service hours vary among banks, with many only offering the ability to speak with a representative during business hours. If you prefer wider access to customer service, you might want a bank that allows you to communicate with a live person anytime.