Don't be surprised if you can't access your account at all. My husband and I both had problems access our (separate) accounts. It kept telling me that my user id/password was wrong. Well, I have had and used the id and password for years and knew that they were correct. Customer service claimed no knowledge of what was wrong. I kept playing around with it and finally it let me access my account but only after putting in tons of personal information and changing my password. When I had to create a new password I noticed that it required one longer than the one I have used previously with 1st USA, so maybe that was their way to force everyone to change??
My husband's account had a similar problem a couple of weeks later. At least then I knew what to do, although it was a pain. Then a few days later one of his two accounts "disappeared" and when he called to check they told him it was because of a security hold. They said that he had two charges in one day and they put this hold on. Two in one day. Each less than $50. What is unusual about that? No attempt to contact him, just removed access to the account from the internet. What?! Why?! Apparently they wait until you realize that there is a problem and call them, they do not try to contact you. Thanks a lot. NOT. Morons.