• Card is not activated
• Card is bent
• Card strip is damaged
• Card is on CRIS report – Suspended
• Card is on CAMS Alert – Suspend or Hot carded
• Trying to pull from account not attached to card

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The transaction on your statement will have the last four digits of the debit card used for the purchase in the description.

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Visa will charge a 1% International Service Assessment for every purchase that is run outside of the United States. This fee is listed separately on your statement from the purchase it was applied to. Exceptions may include United States Military bases.

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On occasion, First Interstate Bank will close down certain foreign countries due to increased fraud on debit cards originating in those countries. Before leaving, you will want to contact First Interstate to check on what countries are closed down.

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An ATM card works in all ATM’s with the VISA – INTERLINK – PLUS logos and all merchants that offer PIN based transactions

A Debit card can be used the same as above and all signature based transactions

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Non FIB ATM fees are applied to all ATM Transactions performed at an ATM not owned by First Interstate Bank. The fee for using a non-FIB ATM is $1.00.

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Pin based transactions have access to $1,005 Signature based transactions have access to $2500

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You will want to contact your branch to speak with a personal banker about increasing limits on the debit card.

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Pending transactions are transactions that are presented to the Bank during the current business day or after the processing cut-off time for the previous business day (which varies between 2:00 PM and 4:00PM). Pending transactions may include a variety of items including, direct deposits, ACH items, ATM transactions, and check card transactions. When these items are presented to the Bank they are "memo" posted to your account. The transactions will permanently post to your account, generally, in 1 – 3 days depending on the item. When the amount is "memo" posted to your account, your account balance reflects these items. Your account will be increased by any deposit transaction and decreased by any withdrawal. Some transactions may cause a little confusion as to the way they are posted; check card transactions in particular. There are several instances where a check card transaction may "memo" post for an amount that is different than the actual purchase price. The authorization process used by the merchant determines the amount that "memo" posts to your account. The following is a detailed description of authorization practices in six major categories.

Restaurants

When you receive the bill and present the Visa check card for payment, the tip amount has yet to be indicated. The waiter or cashier obtains authorization for an amount that adds an estimated tip (usually 20%) to the base bill. After authorization, the waiter presents the purchase slip for signature. At this point, you add a tip and total the bill. This final total may be for more or less than the estimated amount for which the restaurant obtained the authorization. The estimated total could stay on the system for 1 – 3 days until the clearing item for the amount actually charged reaches the Issuer (FIB). You may become aware of the difference between the authorized amount and the actual amount through Telephone Banking, ATM inquiry or Internet Banking inquiry.

Gas Stations

When you present your check card at a gas pump, the actual amount of gas you are purchasing is not available. In order for the system to provide an authorization an amount must be present. Since the amount of the purchase is not known until the gas has been pumped an amount determined by the gas station is transmitted. The amount can vary and may be as high as $100. In most cases the gas station will send an authorization for $1.00. The estimated total could stay on the system for 1 – 3 days until the clearing item for the amount actually charged reaches the Issuer (FIB). You may become aware of the difference between the authorized amount and the actual amount through Telephone Banking, ATM inquiry or Internet Banking inquiry.

Hotels

When you present a Visa check card at registration, the clerk or cashier requests an authorization for an amount based your expected length of stay. An additional amount may be added to the room rate to cover other guest services, such as movies or parking. Many are not aware of the exact amount authorized or that your financial institution may place hold for that amount. If you check out early, stay an extra night, or use more hotel services than estimated, the actual transaction amount (incoming clearing item) could differ significantly from the authorization memo posted amount. In some cases, the authorization memo posted amount could limit your purchasing power or funds availability. You may become aware of the difference between the authorized amount and the actual amount through Telephone Banking, ATM inquiry or Internet Banking inquiry.

Telephone Order and Online Retailers

You provide the order information, and then the retailer adds any applicable tax and shipping and computes the total amount. You provide the Visa check card number, expiration date, and billing address. The billing address for a Visa check card is the statement address for the linked checking account. Merchants are required to ask for a billing address. The authorization process for a telephone or online order requires that your financial institution approve both the dollar availability and the billing address. If the billing address given to the merchant is not the same as the one shown on your statement, the transaction may be denied, even if funds are available in your account. The request for authorization from your financial institution is rarely made when you are on the telephone or online. Since the authorization process is usually done after you have completed the telephone call or signed off the Web site, the purchases can be denied at authorization for a number of reasons including daily limits, funds availability, a hold on a recent deposit, or a billing address mismatch. If you have recently moved you may give a correct, but new, billing address that will not match your institution's records. It's also easy if you receive your statement at the office, a P.O. Box, or other non-home location to misunderstand the request for billing address and provide a home or "ship to" address. This triggers a mismatched address denial.

Airlines

Airline authorizations can cause concerns in a number of ways. The ticketing agent adds up the amount of all tickets being purchased by a customer and requests authorization for the total. However, because airline accounting and tracking is based on individual tickets, your check card statement will show prices for individual tickets, not the total amount. Fees for changing a ticket will also be shown separately on the statement. Seeing a number of individual purchases for the same amount from the same airline can be confusing.

Store Retailer

After you decide on the item(s) to purchase, the merchant adds the tax amount and requests authorization for the total amount. Once authorized, you sign the slip, and the transaction is completed. The authorization memo item and the clearing item are for the same amount. This type of transaction is a convenient and simple replacement for cash or a check, for both you and the merchant.

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When you present your check card at a gas pump, the actual amount of gas you are purchasing is not available. In order for the system to provide an authorization an amount must be present. Since the amount of the purchase is not known until the gas has been pumped an amount determined by the gas station is transmitted. The amount can vary and may be as high as $100. In most cases the gas station will send an authorization for $1.00. The estimated total could stay on the system for 1 – 3 days until the clearing item for the amount actually charged reaches the Issuer (FIB). You may become aware of the difference between the authorized amount and the actual amount through Telephone Banking, ATM inquiry or Internet Banking inquiry.

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Any transaction that is in question, can be disputed. The dispute forms can be found on the internet site, or filled out at your local branch.

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Yes you can but they only come into play when you are doing transfers from one account to the other account

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When you present a Visa check card at registration, the clerk or cashier requests an authorization for an amount based your expected length of stay. An additional amount may be added to the room rate to cover other guest services, such as movies or parking. Many are not aware of the exact amount authorized or that your financial institution may place hold for that amount. If you check out early, stay an extra night, or use more hotel services than estimated, the actual transaction amount (incoming clearing item) could differ significantly from the authorization memo posted amount. In some cases, the authorization memo posted amount could limit your purchasing power or funds availability. You may become aware of the difference between the authorized amount and the actual amount through Telephone Banking, ATM inquiry or Internet Banking inquiry.

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You may stop in at a First Interstate location with your card and change the pin number to one of your choosing. If that is not possible, the pin number can be mailed to the address on your account. Due to security reasons, First Interstate Bank does not have access to your pin number.

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These 3 numbers are used by Visa to determine that the card is in your possession. If the numbers are no longer legible, a replacement card will need to be sent to you. First Interstate Bank does not have access to these security numbers.

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Please call your local branch or our toll free number at 888-833-3455 or 406-237-2845 and have your card Hot carded

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You need to contact your branch and have this card Hot carded or contact the toll free number on the back of your card or call the ATM department at 406-237-2845

Please call your local branch or our toll free number at 888-833-3455 or 406-237-2845 and have the Hot carded

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If your debit card is accepted when it is keyed in, but not when it is swiped, the problem is with the magnetic strip. There is damage to the strip that will not allow it to be read by a swipe. Please call your local branch or our toll free number at 888-833-3455 for a replacement card.

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Please insure that you are using an ATM machine with Visa and/or Interlink logos. If the problem still persists please contact the bank.

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You do not need to close your checking account if the transactions are from your debit card. You will, however, need to cancel your debit card. Please contact your branch for further information.

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The card must be activated prior to use. Please call the 800# that is on the sticker on the front of the debit card, if you have taken off the sticker or are having problems you can contact your branch or the ATM department at (406) 237-2845.

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