Pay your 1st Premier card online, by phone, or by mail
You can send a payment to 1st Premier Bank through their online account portal, by calling their customer service line, or by mailing a check. The online portal is fastest — payments post the same business day if you submit before the cutoff time, usually 8 p.m. Eastern. Phone and mail payments take longer: phone payments may post within one business day, while mailed checks typically take 7 to 10 business days to clear.
1st Premier Bank is the issuer of the 1st Premier Credit Card, a secured card designed for people building or rebuilding credit. Payments go to their processing center, not to a third party. You will need your account number and either a bank account (for electronic payment) or a mailing address for checks.
Key Takeaways
- Online payments through the 1st Premier portal post the same business day if submitted before the evening cutoff, making it the fastest method.
- Phone payments to 1st Premier's customer service line may post within one business day and require your account number and payment amount.
- Mailed checks should be sent to the address on your statement and typically take 7 to 10 business days to post to your account.
- Your minimum payment and due date appear on your monthly statement; paying more than the minimum reduces interest charges.
- Late payments trigger fees and can damage your credit score, so set a payment reminder if you tend to forget due dates.
Pay online through your 1st Premier account
Log into your 1st Premier account on their website or mobile app. Look for a "Make a Payment" or "Pay Now" button, usually on the account dashboard or under a "Payments" menu. Enter the amount you want to pay — you can pay your full balance, your minimum payment, or any amount in between. Select the bank account you want the payment drawn from and confirm the payment date.
Online payments are free and post the same business day if you submit before the cutoff time. If you submit after the cutoff or on a weekend, the payment will post on the next business day. The 1st Premier portal will show you a confirmation number when ready after you submit; save or screenshot this for your records.
Pay by phone with 1st Premier customer service
Call 1st Premier Bank's customer service number, which appears on the back of your card and on your monthly statement. Have your account number, the amount you want to pay, and your bank account information ready. A representative will process the payment over the phone and provide you with a confirmation number.
Phone payments are also free. The payment may post within one business day, though it can take up to two business days depending on when you call and your bank's processing speed. Ask the representative for the exact posting date so you know when the payment will show on your account.
Pay by mail with a check or money order
Write a check or money order for the amount you owe. On the memo line, write your 1st Premier account number so the payment is credited to the correct account. Include your account number on the check itself if there is space. Mail the check to the address listed on your statement under "Payment Address" — do not send it to the customer service address.
Mail payments take 7 to 10 business days to reach the processing center and post to your account. To avoid a late fee, mail your payment at least 10 days before your due date. Keep a copy of the check or the check number for your records. If you are concerned the payment did not arrive, you can call customer service to confirm receipt once the expected posting window has passed.
Understand your statement and due date
Your monthly statement shows your current balance, minimum payment due, and due date. The due date is typically 21 to 25 days after your statement closing date. Payments must be received by 5 p.m. Eastern on the due date to avoid a late fee. If your due date falls on a weekend or holiday, the important date moves to the next business day.
Your minimum payment covers interest and a small portion of principal. Paying only the minimum means you will pay more interest over time. Paying your full balance by the due date avoids all interest charges. If you cannot pay the full balance, paying more than the minimum reduces the interest you owe on the remaining balance.
Set up automatic payments to avoid missed important date
Many cardholders set up automatic payments through their bank's bill pay service or through the 1st Premier portal itself. You can schedule automatic payments for your full balance, your minimum payment, or a fixed amount each month. Automatic payments post on the date you choose, so you can schedule them a few days before your due date to may support they arrive on time.
Automatic payments are free and remove the risk of forgetting a payment. If your balance varies month to month, you can set the automatic payment to cover your minimum and make additional payments manually when you have extra funds. Review your account regularly to confirm the automatic payment posted and that your balance is decreasing as expected.
What happens if you miss a payment
A payment is late if it is not received by 5 p.m. Eastern on your due date. A late payment triggers a late fee, which 1st Premier adds to your balance. Late payments also appear on your credit report and can lower your credit score. If you are more than 30 days late, 1st Premier may report the account as delinquent, which damages your credit for years.
If you miss a payment, contact 1st Premier as soon as possible. Some cardholders can negotiate a one-time fee waiver if they have a good payment history and catch the mistake quickly. The sooner you pay, the less damage to your credit. Set a payment reminder on your phone or calendar for a few days before your due date to prevent this from happening.
Frequently Asked Questions
How do I know if my payment posted?
Log into your 1st Premier account online or call customer service. Your account will show the payment and the new balance. Online payments typically post the same business day; phone and mail payments take longer. If you submitted a payment and it has not posted within the expected timeframe, contact customer service with your confirmation number.
Can I pay more than my minimum payment?
Yes. You can pay any amount up to your full balance. Paying more than the minimum reduces the interest you owe and helps you pay off the card faster. There is no penalty for paying early or paying more than required.
What if I pay late by accident?
Contact 1st Premier customer service when ready. If you have a good payment history, they may waive the late fee as a one-time courtesy. Even if the fee is not waived, paying as soon as possible limits the damage to your credit score. The longer the account stays late, the worse the impact.
Is there a fee to pay my bill?
No. Payments by online portal, phone, and mail are all free. 1st Premier does not charge a payment processing fee. However, if you use a third-party payment service or a check-cashing service, that service may charge a fee.
Can I change my due date?
Contact 1st Premier customer service to ask about changing your due date. Some issuers allow you to move your due date to align with your paycheck or other bills. Ask what options are available and whether there are any restrictions.