Credit Cards

  • Lost or Stolen Cards – 833/933-1681 24/7 for your protection
  • Disputed Charges – call 866/279-1399 from 7:00 am – 1:00 am CST.  Outside these hours you are able to leave a message and receive a case number for a call back
  • ATM Transaction Disputes – call 800/749-1465 or 325/653-1465
  • Card Activation – 844-463-6148
  • To Change Your PIN – 844/463-6148 even if your card is already activated.  You will be asked to enter your card number and other security information.  You will receive a response when successfully entering all requested information that your card has been activated.  Next you will receive options to activate another card or change your PIN.  Choose the option to change your PIN.  You will need to know your old PIN to change to a new PIN by phone.  You may also come by any 1CFCU lobby location if you don’t know your current PIN and we can allow you to set a new PIN.
  • Block Removal – 501/246-8497 or 325/653-1465 or 800/749-1465
  • PIN – Remove Bad Attempts – the card is blocked after three invalid PIN tries. You must call to remove the invalid attempts call 501/246-8497 or 325/653-1465 or 800/749-1465
  • Transaction Research Inquiries – 325/653-1465 or 800/749-1465
  • Travel Exclusions – call and let us know where and when you will be traveling so your transactions will not be denied due to out of area transactions call 501/246-8497 or 325/653-1465 or 800/749-1465
Check out 1st Community FCU’s VISA Platinum credit card program with the following benefits to enhance your lifestyle:
  • NEW!  Temporarily “Lock and Unlock” your credit and/or debit cards with Card Control on our mobile app to prevent any unauthorized transactions.  Use this feature if your card is lost or stolen or just to manage access.  It’s Quick, FREE & Easy – you can do it while you are standing in line to pay.  Click Here for a short video on accessing this new service.
  • On-line Credit Card Application  Apply anytime, anywhere 24/7 and we will personally respond to your application no later than the next business day.
  • click here for Credit Card Disclosure on VISA Platinum and Rewards VISA Platinum
  • REWARDS Card – up to 2% Cash Back for every net dollar of retail sales.  This will be paid as a payment to your credit card in November of each year.  Your membership and credit card must be open and your card must be current and not over limit and all other accounts must be in good standing or you forfeit your rewards.  Click Here for more information about how you earn rewards.
  • No Annual Fee or Cash Advance Fee
  • Balance Transfer– one-time balance transfer promotional rate 2.95% APR* (see above for Special Limited Time Offer for current VISA Platinum cardholders)
  • Go to Rates after 12 months as LOW as 10.95% APR* on new cards issued starting March 1, 2023
  • All 1CFCU Credit Card information is now linked to your account at the Credit Union and is available for viewing, making payments and doing cash advances through our online or mobile banking and over the counter at any 1CFCU location
  • Credit Card statements will now be included as the first page of your monthly 1CFCU paper or eStatement
  • All Credit Card payment due dates are the 28th of the month
  • VISA Checkout– the easier, more secure way to shop online!
  • 3D SECURE – provides an extra layer of security for e-commerce transactions. This is a risk-based authentication process. All cardholders are automatically enrolled. Cardholders will receive instant notifications of suspicious activity.
  • Automatic Bill Updater – is a service that will provide card number and expiration date updates to merchants who maintain card records on their system, typically for recurring customer payments.  This will not work when your card is replaced due to fraud or loss and you have a totally new card number.  You will need to contact the service provider and provide them with your new card number, expiration date and security number.  Members have the option to opt out of this feature.
  • Credit Insurance – Credit Life and Credit Disability Insurance available. 
  • Convenient Payment Methods – 1st Community’s “Its Me 247” on-line or mobile banking, by mail, automatic payment or over the counter at the credit union
  • Introductory Rates 2.95% APR* on purchases made in first 12 months after account opening
  • Go To Rates after 12 months as LOW as 10.95% APR* on new cards issued starting March 1, 2023
  • Same Rate for Cash Advances and Purchases
  • EMV chip-enabled
  • Works with Apple Pay, Samsung Pay and Google Pay
  • Toll-Free # for 1st Community FCU is on the back of your card to check your balance or verify payments or transactions on your card or through “Its Me 247” online or mobile banking.
Current ELAN VISA card holders – Some members may currently have a VISA card issued prior to January 1, 2014, with 1st Community’s logo on it. Back in 2014 1st Community sold our credit card portfolio to Town North Bank who later became ELAN. We have terminated our relationship with ELAN and the cards under their program will no longer carry the 1st Community logo when they are reissued.  Click Here to take advantage of our new VISA platinum and pay off your old ELAN card and enjoy the special 2.95% APR Balance Transfer Rate.