Debit and credit card differences

Although debit and credit cards may seem the same, they are not. While both are extremely convenient and are generally accepted at the same places, the difference lies in where the funds are pulled from.
 
A Debit card draws money directly from your checking account when you make a purchase. Because of the transaction is from your account, you don’t receive any additional bill as you have already made the payment for the purchase.
 
A Credit card allows you to borrow money in small mounts at the time of purchase. You are then charged interest on that purchase after a general grace period (usually 30 days) and are sent a monthly bill.

Visa® Cards

Find the perfect card for the way you use credit.
Apply today for your perfect card.

Our credit cards offer cardmember benefits and features to meet a variety of financial needs. Take a look at what each card has to offer and decide which one is right for you.
Stop in today and talk to a banker to apply.

For existing consumer credit card customers, online account access provides the quickest and easiest way to:
  • Activate your credit card
  • Make payments
  • Transfer balances
  • Request credit limit increases
  • View statements
  • And much more
Simply access your account by clicking on the link below.

Access your accounts >>

Credit Cards are issued by First Bancard®, a division of First National Bank of Omaha.