Frequently Asked Questions

Filter by Service: Credit Cards (Personal)

Is a chip (EMV) credit card the same as contactless payment?

No. Contactless cards employ near-field communication technology (NFC), which has a radio antenna that transmits account information, and work by waving or tapping your card in front of a device. Chip cards must be inserted face-up into a...

Are there instances where I could experience issues using my chip (EMV) credit card abroad?

When traveling outside the U.S., some card readers at unattended terminals (such as public transportation kiosks, gas pumps) will require a PIN. In these situations, enter your credit card PIN. Some international self-service terminals do not...

Do I need a PIN to make a purchase with my chip (EMV) credit card?

Your credit card is a Chip and Signature card, so in most instances, you should not need a PIN to make purchases with your card.  PIN will be required on your card when used at an ATM or at unattended terminals (such as public transportation...

Will chip (EMV) credit cards prevent third-party data breaches?

Although chip card technology provides an additional layer of security to help reduce certain types of fraud resulting from data breaches; however, it will not prevent a data breach.

Can fraud still take place on my chip (EMV) credit card?

Yes.  Chip cards are only secure in face-to-face transactions that take place on chip enabled point-of-sale (POS) terminals.  Merchants that do not have chip enabled POS terminals place the chip card at the same risk of being...

How is a chip (EMV) credit card different from a magnetic stripe credit card?

A chip card looks just like a traditional card with an embedded chip in addition to the standard magnetic stripe on the back of the card. In locations where a merchant is able to accept the chip card, you will insert your chip card into the...

Where can I use my chip (EMV) credit card?

Many merchants, across the U.S. are beginning to accept chip card transactions and this will continue to grow within the coming years. Chip technology is already used in over 130 countries around the world, including Canada, Mexico and the United...

What are the foreign/conversion fees when my personal credit card is used outside the United States?

Mastercard® will charge a 3% International Service Assessment fee for every transaction that is run outside of the United States, including ATM transactions. The fee will be assessed on all cards, including ATM cards. This fee is listed...

How can I request a personal credit card line increase?

Contact First Interstate Bank Credit Cards at 1-855-342-3400 to speak with a representative.

Can I keep my personal credit card FirstRewards points if I close my account?

No, all FirstRewards points will be forfeited upon account closure.

Can I link my personal credit card to my personal checking account for overdraft protection?

Yes, your First Interstate Bank Mastercard® can be linked to your checking account for overdrafts. Transfers occur in $50 increments and there are no set-up charges. There is a $10 transfer fee for credit card transfers up to $50 or a $19...

Do all personal credit cards have an annual fee?

There is no annual fee associated with the First Interstate Bank's FirstRewards World Mastercard® and the Platinum Mastercard®.  There is an annual fee of $39.00 associated with First Interstate Bank's Gold Mastercard® and...

How do I dispute a charge on my personal credit card?

You must call First Interstate Bank Credit Cards at 1-855-342-3400 immediately upon receiving your statement and discuss this with a representative. They will be able to provide you with more details of this charge. If this does not clarify the...

How do I get a listing of all my personal credit card transactions for last year for taxes?

Log on to and select the option "Transactions", then "Find Transactions." You can choose the date range of the transactions needed, and even download into Excel.  Call Credit Cards at...

How do I request to receive my personal credit card statements electronically and not in the mail?

Log on to and select the option "Statements", then "Delivery Options" and choose "Paperless."  Paper statements will be discontinued, and you will receive an email each month when your electronic...

How can I get cash with my personal credit card?

Cash advances can be made in two ways. You can get cash at any ATM, 24 hours a day, 7 days a week. When using an ATM, a PIN is required. Cash advances can also be requested and processed at any financial institution. Please review your terms and...

How can I request/change the Personal Identification Number (PIN) associated with my personal credit card?

A PIN is automatically mailed to you when the account is opened. For your convenience you may choose to change your current PIN by calling 1-866-297-3408 and providing your existing PIN. Once updated, the new PIN will be ready for immediate use....

What do I do when my personal credit card expires?

A replacement card will automatically be sent to you a month before the expiration date. When you receive the new card, cut up the expired card and call 800-456-6870 for consumer cards or 833-498-2462 for business cards to activate your new card....

Why do I need to activate my new personal credit card?

The activation process is a security measure; it lets us know you have safely received your card. When you call to activate a card, you will be required to verify your identity by answering a few questions. This helps to ensure someone else did...

Can I set up automatic bill pay to pay my personal credit card?

Yes. Contact Payment Services at 1-888-833-3454 (M-F, 8am-5pm MST) or talk to your local banker to get automatic payments set up. You can also set up automatic payments by accessing your account online at

How long does it take personal credit card payments to post once they are received at the branch?

All credit card payments accepted at a branch will be credited to your account on the same business day the payment is received. Your credit line will be made available within two business days.

Can I transfer personal credit card balances online?

We cannot accept balance transfers online at this time. Visit your local branch or call Payment Services at 888-833-3454, option 3, 8 a.m. to 6 p.m. MT. We will take your balance transfer request over the phone.

How long does it take to process a balance transfer to my personal credit card?

Including mailing time, the complete process takes 7-10 days. You will need to continue paying on the account until the transfer is complete, to keep it current.

How do I redeem my personal credit card FirstRewards points?

You can see a complete list of travel, gift card, charity donations, merchandise and local rewards at Rewards may be redeemed online or by telephone at 1-888-216-2893.

Can I view current personal credit card account opening disclosures?

Yes. You can view current account opening disclosures online.

Can more than one person be assigned to a single personal credit card account number?

Yes. Contact the Credit Card Division to add an authorized user or joint account holder to a consumer account. Business accounts must have a separate account number for each cardholder.

How do I change my name on my personal credit card account (due to marriage or divorce)?

Send a copy of your marriage license or divorce decree along with a written, signed request to have your name changed. Requests can be emailed to or mailed: Payment Services First Interstate Bank PO Box 30918 Billings, MT 59116

How do I add a joint personal credit card holder?

Cardholders will need to complete and sign the consumer credit card application to add an additional cardholder. Please note on the application that “Joint cardholder is to be added to account ending in XXXX.” Send this application to...

How do I add an authorized user to my personal credit card?

Please call Payment Services at 1-888-833-3454 to receive a form. The authorized user will be issued a card in his or her name and receive it in 7-10 business days. Please note: The authorized user will not be responsible for payments on the...

Can I pay my personal credit card bill online?

Yes. online bill pay is a free service.To enroll or make a payment, log on to These additional features are also available: credit card account summary information, online credit card statement, download data into...

Can I view my personal credit card information online?

Yes. You can view transactions, statements, dispute charges, and make payments online at

How can I make payments to my personal credit card?

Mail: First Interstate Bank PO Box 35138 Seattle, WA 98124-5138 Online: ACH Payments: Set up through your local branch or our customer service line toll free at 1-888-833-3454 option #3.

How far back can I view my personal credit card transactions online?

Transactions can be accessed for the last 18 months at Please call 1-888-833-3454 option #3 if you need transaction information prior to the last 18 months. If research is needed a $20 per hour research fee will be...

Will my personal credit card work if I am traveling?

If you know you are going to be traveling, we recommend that you contact Payment Services at 888-833-3454, option 3, between 8 a.m. and 6 p.m. MT and inform us of the dates and areas of travel and a phone number where you can be...

What should I do if my personal credit card is lost or stolen?

Call us immediately to report the card’s loss or theft at 888-833-3454, option 2. We will close the account and issue new cards. Report a Lost / Stolen Card