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1st Financial Bank USA

  1. South Dakota
  2. South Dakota Finance
  3. Sioux City Finance

Reviews, get directions and contact details for 1st Financial Bank USA

Address: 363 W Anchor Dr, North Sioux City, SD 57049, USA
Phone: (605) 232-3058
State: South Dakota
City: North Sioux City
Zip Code: 57049


Opening Hours

Monday: 8:00 AM – 8:00 PM
Tuesday: 8:00 AM – 8:00 PM
Wednesday: 8:00 AM – 8:00 PM
Thursday: 8:00 AM – 8:00 PM
Friday: 8:00 AM – 8:00 PM
Saturday: 8:00 AM – 5:00 PM
Sunday: Closed

Update Info
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Reviews
As with many of the other reviews on here - they are simply a company preying on people who need to build credit. I got this card when I was in high school as my first credit card. They had "0 interest" on any balance under 200 bucks which was perfect for me. Now that I am nearly 30 years old with excellent credit, they charge me 55 bucks a year for a card with 30% interest and no benefits. Look for another way to build your credit - I will be canceling!
7 years ago (26-01-2018)
This company is for people to establish credit, it's geared towards College freshman who has no credit. They accepted my son 3 years ago when no one else did, started with $300, I use the card to buy grocery and then pay it off every 2 weeks. After 6 months, my son's credit was increased to $500, I told my son to use it for emergency only while I work on his credit history. 1 year past, increased to $1000, 18 months, $2000, 24 months $4000, 30 months $5000. Even though he has this credit limit, we only use it for grocery only and pay it off. We then applied for Discover and Capital One, both was accepted, Discover $1500 and Capital One $2500. His credit started with nothing and now at 710. We will not use 1st Financial card since the interest is so high compared to Discover and Capital, but he will have it as an emergency card just in case, will use it for gas and pay it off. People are mad at this company because they misuse the card or does not understand the purpose of the card. It's credit creating type card, they are not going to lower your interest rate, they will however increase your limit and that in turn will increase your score. Use it wisely then when your score goes up, apply for better interest rated cards and keep 1st Financial as an emergency card.
8 years ago (21-12-2017)
I had this card for over 14 years (got it right out of HS) then the last year out of nowhere they tried to charge me an annual $55 card fee. Mind you the interest rate is 30% so I really never used it. They tried to use the fact that this was my longest credit card and terminating the account would hurt my credit score to make me pay. The customer service representative could care less I was terminating the card which says a lot about how they view their card holders.
7 years ago (30-01-2018)
As with most people I've had this card since 2003. They USED to waive the annual fee every time I would call. This year they said they couldn't and offered other things like 1.5% cash back. Not willing to pay for a card, so I ended up cancelling it.
7 years ago (01-02-2018)
Absolutely a trash company. Please don't ever open an account with these loan sharks. Horrible people who should be ashamed of how they operate. If you believe in heaven, these people will go to hell. I've been a customer for 4 years and paid off my card twice and they never changed my interest rate. They can't even give you autopay...
8 years ago (11-11-2017)
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