The Student Credit Card from First Interstate BancSystem is designed to help college and university students establish responsible credit habits while offering practical benefits tailored to a student lifestyle. Combining simple onboarding, tools for learning financial responsibility, and protections that make everyday spending safer, this card is built to support borrowers as they begin their credit journey. Whether you're managing groceries, textbooks, or monthly subscriptions, the card aims to provide a secure and manageable way to pay while helping you build a strong credit history.

Key Benefits

• Credit-building support: Designed for students who may have limited or no credit history, the card reports activity to major credit bureaus to help you establish and improve your credit profile when payments are made on time.
• Flexible approval considerations: Application review takes into account student income, part-time earnings, and other factors commonly relevant to campus life.
• Educational tools and guidance: Access to resources that explain credit scores, interest, minimum payments, and budgeting strategies so you can learn while you spend.
• Practical rewards and perks: Tailored benefits such as cash back in common student categories, introductory offers, or statement credits that make everyday purchases more valuable.
• Mobile account management: A modern digital experience lets you view transactions, set alerts, pay bills, and track spending from a smartphone or online account portal.
• Security and fraud protection: Built-in safeguards include card controls, transaction alerts, zero-liability fraud protection, and EMV chip technology for safer card-present transactions.

Features That Matter to Students

This student-focused card balances simplicity with meaningful features to help you manage finances during a busy academic schedule:

• Low introductory requirements: Approvals are structured to reflect student realities, considering alternative documentation and cosigner options where appropriate.
• Reasonable credit limits: Credit limits are sized to encourage responsible use while offering enough flexibility for monthly essentials and incidental expenses.
• Flexible payment options: Clear monthly statements, multiple payment channels, and tools to help you avoid late payments and related costs.
• Customizable alerts: Get notifications for due dates, large transactions, and balance thresholds to stay on top of your account without stress.
• Contactless and chip-enabled: Fast, secure tap-and-go payments and enhanced protection against in-person fraud.

How It Helps You Build Credit

Establishing a positive credit history as a student lays the groundwork for future financial goals such as renting an apartment, securing a car loan, or qualifying for more competitive credit products. The Student Credit Card from First Interstate BancSystem helps by:

1. Reporting payment history to credit bureaus so timely payments are reflected in your credit record.
2. Providing a manageable credit limit that encourages responsible utilization and prevents overextension.
3. Offering educational notifications and tools that explain how on-time payments, credit utilization, and diverse credit types affect your credit score.

Responsible Use and Financial Education

Learning to use credit responsibly is central to the card's mission. The program includes tips and features aimed at developing strong money-management habits:

• Budgeting guidance: Practical advice on balancing income and expenses, prioritizing essential payments, and planning for irregular costs like textbooks and travel.
• Alerts and autopay options: Reduce the risk of missed payments by setting up reminders or automatic monthly payments for at least the minimum due.
• Spending categorization: See where your money goes each month with categorized transaction views to help you identify opportunities to save.
• Goal tracking: Tools to set and monitor short-term savings goals, such as emergency funds or technology upgrades, while using credit responsibly.

Safety and Fraud Prevention

Protecting your financial information is a priority. The Student Credit Card includes multiple layers of security to guard against unauthorized use:

• Real-time transaction monitoring: Alerts for unusual activity help you act quickly if something seems off.
• Zero-liability protection: You are not held responsible for fraudulent transactions made without your authorization.
• Card controls: Instantly lock or unlock your card from the mobile app if it's misplaced or you suspect misuse.
• EMV chip and contactless payments: Enhanced card-present security and convenient tap-to-pay transactions.

Application and Eligibility

Applying for the Student Credit Card is straightforward. The process is designed to be accessible to students with limited credit history. Typical considerations include current enrollment status, income or alternative forms of financial support, and academic standing. Many students may qualify with a part-time job, internship income, or a cosigner when appropriate. The application process aims to be transparent and fast so you can receive a decision and access your account without unnecessary delay.

Tips for New Cardholders

• Make at least the minimum payment on time every month to build a positive payment history.
• Keep your credit utilization low — aim to use a small portion of your available credit to show responsible management.
• Use alerts and autopay to avoid missed payments and late fees.
• Review monthly statements carefully to confirm transactions and detect any irregularities promptly.
• Combine smart use of the card with savings habits to maintain financial flexibility throughout your studies.

Why Choose This Student Card

The Student Credit Card from First Interstate BancSystem is made for students who want a straightforward, educational, and secure way to start building credit. It pairs helpful features and protections with a focus on learning and growth. Whether you are opening your first card or transitioning from a secured product, this offering provides the support, transparency, and tools necessary to make confident financial decisions while you pursue your academic goals.