Where to send your First Premier Bank credit card payment

First Premier Bank accepts payments through their online account portal, by phone, by mail, or in person at a branch. The fastest route is logging into your account at firstpremierbank.com and making a payment directly — it posts the same business day if you pay before the cutoff time, usually around 5 p.m. Central Time. If you prefer not to use the website, you can call their customer service line at the number on the back of your card.

Mailed payments take 7 to 10 business days to reach the bank and post to your account, so send them well before your due date to avoid a late fee. Write your account number on the check or money order and mail it to the address printed on your statement. First Premier Bank also operates physical branches in South Dakota, so if you live near one you can walk in and pay at the counter, though this is rarely faster than online payment.

Key Takeaways

  • Online payment through your First Premier Bank account is the fastest method and posts the same business day if submitted before the cutoff time.
  • Phone payments are available by calling the number on your card, and the payment posts within one business day.
  • Mailed payments take 7 to 10 business days to arrive and post, so send them at least two weeks before your due date to avoid late fees.
  • Your minimum payment and due date appear on your monthly statement and in your online account portal.
  • Late fees and interest charges begin accruing the day after your due date passes, even if your payment is in the mail.

Setting up automatic payments to avoid missed due dates

First Premier Bank allows you to set up automatic payments from a checking or savings account, which removes the risk of forgetting a payment. Log into your account, go to the Payments section, and select "Autopay" or "Recurring Payments" — the exact name varies depending on which version of their website you see. You choose the payment amount (minimum payment, a fixed dollar amount, or your full statement balance) and the date each month when the payment should withdraw.

Automatic payments typically post within one business day of the scheduled date. If you set autopay for the same date as your due date, the payment will post on time as long as you have sufficient funds in your bank account. If your balance changes month to month and you want to pay the full amount owed, select the option to pay your statement balance rather than a fixed dollar amount — this ensures you never carry a balance and accrue interest.

Understanding your payment posting and due date

Your payment due date is printed on your monthly statement and shown in your online account. Payments posted by 5 p.m. Central Time on or before that date are considered on time. If you pay after that time or after the due date, First Premier Bank charges a late fee — the amount depends on your card terms but typically ranges from $25 to $35 for the first late payment. A second late payment in the same billing cycle may trigger a higher fee.

Your statement balance and minimum payment are calculated as of a specific date each month, called your statement closing date. Payments you make after the closing date do not reduce the balance shown on that statement — they reduce the balance on your next statement. This means paying early in your billing cycle does not lower your minimum payment for that month, but it does reduce the interest you owe if you carry a balance.

What happens if you miss a payment

If your payment does not post by the due date, First Premier Bank reports the account as late to the credit bureaus after 30 days. A single late payment can lower your credit score by 100 points or more, depending on your current score and credit history. The late fee appears on your next statement, and your interest rate may increase — many First Premier Bank cards have variable rates that rise when an account falls behind.

If you realize you will miss a payment, contact First Premier Bank before the due date. They cannot waive a late fee that has already been charged, but they may be able to adjust your due date or work out a payment plan if you explain your situation. After 60 days past due, the bank may freeze your account and demand immediate payment of the full balance. After 180 days, they typically charge off the account and sell the debt to a collection agency.

Paying more than the minimum to reduce interest

First Premier Bank credit cards carry high interest rates — often 24% or higher depending on your creditworthiness and card type. If you carry a balance, paying only the minimum payment means most of your money goes toward interest rather than reducing what you owe. For example, a $1,000 balance at 24% interest with a minimum payment of 2% of the balance takes roughly three years to pay off and costs over $400 in interest.

Paying more than the minimum accelerates how fast you reduce the balance and cuts the total interest you pay. If you can pay $200 per month on that same $1,000 balance, you pay it off in about five months and pay roughly $50 in interest. The difference is substantial, and the sooner you pay off the balance, the sooner you stop paying interest altogether. Many people use First Premier Bank cards as a stepping stone to rebuild credit, then pay off the balance and switch to a lower-rate card once their score improves.

Handling payment problems and disputes

If you believe a payment posted incorrectly, did not post at all, or was charged twice, log into your account and check the transaction history under the Payments section. This shows every payment you have made, the date it posted, and the amount. If a payment you made online or by phone does not appear within two business days, call customer service to investigate. Provide them with the date you made the payment, the amount, and the method you used.

If you paid by check or money order and it has been more than 10 business days since you mailed it, ask the bank to trace the payment. They can confirm whether it arrived and posted. If the check was lost in the mail, you may need to stop payment on it through your bank and make a new payment to First Premier Bank. Keep records of all payments — screenshots of online confirmations, copies of mailed checks, or receipts from phone payments — in case you need to prove you paid.

Frequently Asked Questions

Can I pay my First Premier Bank card with a debit card or another credit card?

First Premier Bank does not accept payments from other credit cards, as this would be considered a cash advance and would trigger additional fees. You can pay with a debit card through their online portal or by phone, though some debit card issuers may charge a fee for this type of transaction. The safest method is paying directly from a checking or savings account.

What time does First Premier Bank stop accepting online payments on the due date?

Online payments must post by 5 p.m. Central Time to be considered on time. If you submit a payment after that time on your due date, it will not post until the next business day and will be recorded as late. To be safe, submit online payments at least one business day before your due date.

Do I have to pay the full statement balance or can I pay just the minimum?

You can pay any amount between the minimum payment and your full balance. The minimum is the smallest amount the bank requires to keep your account in good standing. Paying only the minimum means you carry a balance and pay interest on it, but paying more than the minimum reduces the interest you owe and helps you pay off the card faster.

Will First Premier Bank let me change my due date?

Yes, you can request a due date change by calling customer service or through your online account settings. The new due date typically takes effect on your next billing cycle. Changing your due date does not erase a late payment that has already been reported, but it may help you avoid future late payments if the current date conflicts with your pay schedule.

What should I do if I cannot afford my minimum payment?

Contact First Premier Bank before your due date and explain your situation. They may offer a hardship program, temporary payment reduction, or plan to catch up on missed payments over time. The sooner you reach out, the more options they can offer. Ignoring the problem will result in late fees, interest rate increases, and damage to your credit score.