Like many successful businesses, First Bank & Trust began in 1880 with a small-town vision. What began as a small venture has grown into one of South Dakota?s largest privately-held companies?Fishback Financial Corporation (FFC)?the holding company for First Bank & Trust. Their founding philosophy is to meet each local community's needs with integrity and... show more
First Bank & Trust Reviews
The WalletHub rating is comprised of reviews from both WalletHub users and ratings on other reputable websites. The rating was last updated on 06/27/2026.
2.4
233 reviews
from WalletHub and across the web
233 reviews from WalletHub and across the web
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First Bank & Trust
Craig Caron @ccar07262000
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1 Star Rating
Mercury credit card is bad even after closing the account they still charge high interest on a zero balance till the end of the billing cycle. They didn't notify me of the balance till 3 months after closing the account. I closed the account on Feb 4th after paying the balance off, zero. They charged me interest till Feb 26th. They tell me to check my account for interest at the end of July 26th. I told them no that the account is closed at zero balance. There is no interest accrued on a zero balance that has been closed for 5 months.
Terrible customer service - they approved me for a card, sent me the card. Then they requested drivers license, two utility bills, social security card. They never respond, then put a note on y account that I requested too close it. That is blatant misinformation. Stay away.
If you have no concern on your personal security or waiting with improper information, I highly recommend this card. Do not expect Mercury to honer high customer service. Very disappointed.
Worst card I ever had If you update your information like phone or address they lock your card and make you jump through hoops ro get it turned back on I have been waiting for 3 months now and after calling there and no good customer service who can't do anything and writing letters no help they do not care at all about you. I have had cards in the past and this company sucks if I could give a lower rating I would do not get a card with this company you Will regret it why do you think they only have 2.3 review score I am not the only one also never missed a payment in 6 yrs can you believe it and completely paid off 2 times and they still treat me like you know what they don't care how good a customer you are they are absolutely the worst credit card company out there Once I pay them.off this time I am closing account and throwing there card in the trash.
I would like to take this time to share my experiences with Mercury Credit Card Services, in hopes of helping others that may have, or will go through similar experiences that I am going through. I received a refund from a merchant in the amount of $3508.17. Instead of crediting that amount back to my credit card, Mercury overcharged my credit card for that amount, which then put the card over the limit, accumulating higher interest and fees.
Today is Saturday, March 21, 2026. I have been calling Mercury Card Services since December 19, 2025, in an attempt to resolve this issue, to no avail. Customer service, the dispute department, and supervisors all have not been supportive or helpful. In fact, they all seemed unaware and in denial of the refund, even after I submitted several documents that support my concerns, claims, and show the refund amount that was submitted back to the credit by the merchant. They still refuse to acknowledge the refund and continue to keep the $3508.17 as a charge to the credit card rather than a refund/credit on my behalf. Now my credit with them sits at a higher monthly minimum payment, with higher fees and interest charges. Be very careful when dealing with this credit card company. After doing some investigations and research, it seems that this company has a history of similar activities such as this in an attempt to scam consumers/customers out of money. Do your research; I wish I had before putting my financial trust in Mercury Credit Card Services. If you unfortunately find yourself in this situation as I have, PLEASE do not try to take on this big corporation alone; get help, reach out to the Department of Consumer Affairs or the FDIC for help.
Absolutely terrible card! I used the card for years, and now they will not allow me to use it where I wish. They have predetermined that I cannot use my card at any casino or venue inside a casino without letting me know. This is after years of using it at casinos, never missing a payment. Then, after I paid my card in full and canceled it, they said I owed interest, so I paid that. Then they sent me another statement saying I owed more interest, so I paid that to keep my credit up. Rip-off artists!
Had the account open for about a year. This year, with a 30-day notice, they charged me an extra $150 to keep the card or close it. They then offered me a $50 credit that was never fulfilled. They're an unethical company.
They will add fraudulent annual fees without any prior written notice. These folks are scammers; read all the one-star reviews. We need to start a class-action lawsuit against them.
I've had this card for several years, and it was fine for my credit, which isn't the best. However, this year, the card has introduced a $99 annual fee and an interest rate that has jumped to 36%. This card never had these fees in the past, but now it does. The only way I found out was because I was charged that $99 annual fee, which surprised me. I do not recommend this card, as I believe the company preys on people who are in desperate financial situations. I don't recommend this card at all. However, if you choose to use it, just know that the card has a $99 annual fee, a 36% APR for purchases, a 36% APR for balance transfers, and a 36% APR for cash advances. Additionally, there is a fee of 3% on each purchase in US dollars for foreign transactions.
New $99 a year charge and extremely high interest rates make it a terrible card to have in 2026. They took all their customers' goodwill and tossed it out the window.
This company has poor communication when it comes to closing your account. They kept me on e-statements after I paid in excess of $2500 in October 2025 to close my account, only to discover via my credit report as of January 2026 that they had reported a 30-59 day late payment on my account due to a missed payment in the middle of December 2025. They sent no email stating my e-statement was ready to view, nor did they send me a paper copy. It's frustrating that after having and using this credit card for over three years with 100% on-time payments, this is the result. I'm glad I left them, which was prompted by their change of terms, including charging an annual fee. Users beware of these deceptive practices.
Get answers to your questions about First Bank & Trust below. Editorial and user-generated content is not provided, reviewed or endorsed by any company. Please keep in mind that it is not a financial institution’s responsibility to ensure all posts and questions are answered.
You can make a Mercury Credit Card payment online, by phone, through the Mercury mobile app or by mail. To pay a Mercury Credit Card bill online, log in to your online account and click on "Make a Payment." Then, choose how much to pay, when to pay it, and where the payment is coming from. First Bank & Trust does allow cardholders to set up automatic payments, too.
Ways to Make a Mercury Credit Card Payment
Online. Log in to your online account and click on "Make a Payment."
By phone: Call (844) 303-5355 and enter your card information prompted.
Through the mobile app: Log in to your account and select your card, then tap "Payments."
By mail. Send a check or money order (but not cash) to
Card Services PO Box 70168 Philadelphia, PA 19176-0168
Make sure to send it early enough that it will arrive by the due date. Write your credit card number on the check, too.
In conclusion, there are multiple ways to make a Mercury Credit Card payment, so just choose whichever method suits you best. The important part is to not miss payments, as that can seriously damage your credit score.
To talk to Mercury Credit Card customer service, call (866) 686-2158 and then enter your card or account number and follow the automated prompts. This process will get you in contact with a live representative who should be able to answer your questions or direct you to the appropriate department.
How to Talk to Mercury Credit Card Customer Service by Phone
Call the Mercury Credit Card customer service department. You can even use the number on the back of your...
Be aware that if there's a balance remaining on the canceled account, you are still required to make at least the minimum payment every month until the balance is paid in full. You will also need to update the payment method for any recurring charges linked to your Mercury Credit Card.
The Mercury Credit Card foreign transaction fee is 3%. This means the issuer will add a 3% surcharge anytime you use the Mercury Credit Card outside of the United States. The 3% fee also applies to online purchases made through an internationally-based merchant.
The Mercury Credit Card may use Experian, Equifax, or TransUnion credit reports to assess your creditworthiness when you apply, according to anecdotal evidence. So, if any of your credit reports are frozen, you should unfreeze them before applying for the card.
Key Things to Know
The Mercury Credit Card requires fair credit or better.
When you apply, The First Bank & Trust will perform a hard inquiry on your credit report, which might temporarily damage your...
You can buy a gift card with the Mercury Credit Card online and at most stores that accept Mastercard. Keep in mind that some stores don't accept credit cards for certain types of gift cards, such as general Visa gift cards for example. It's a good idea to call the store ahead of time to see if they'll accept your credit card.
It's worth noting that Mercury Credit Card treats all gift card purchases as cash advances. A...
Yes, you can use your Mercury Credit Card anywhere Mastercard is accepted. Since Mastercard is the most widely accepted credit card network, it means you can use it in more than 210 countries and territories. Just bear in mind that this card has a 3% foreign transaction fee.
Yes, the Mercury Credit Card is legit. The Mercury Credit Card is legit because it is issued by First Bank & Trust, an FDIC member that has an "A+" rating with the Better Business Bureau. The Mercury Credit Card also reports information to the major credit bureaus each month.
Why The Mercury Credit Card is Legit
Issued by First Bank & Trust, FDIC member with an "A+" rating from the Better Business Bureau.
You can find the current Mercury Credit Card payment address listed on your monthly statement. You can also find it by visiting Mercury's website or calling customer service at the number on the back of your card.
When paying Mercury Credit Card bills by mail, be sure to submit either a check or money order for the payment amount. Mercury does not accept cash.
You can check for Mercury Credit Card pre-approval in your inbox or in the mail. If the issuer considers you eligible, it will send you a pre-approved email or letter with a reservation code. To assess your eligibility, they will only perform a soft pull on your credit.
Keep in mind that being pre-approved for the Mercury Credit Card doesn't guarantee your actual approval for it. To find out if you've been approved or not, you must respond...
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