BANC ONE CREDIT CARD MASTER TRUST
8-K, EX-99.4, 2001-01-16
ASSET-BACKED SECURITIES
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                           MONTHLY SERVICER'S CERTIFICATE
                               FIRST USA BANK, N.A.

                         BANC ONE CREDIT CARD MASTER TRUST
                                    SERIES 1996-A


         The undersigned, a duly authorized representative of First USA Bank,
N.A., as Servicer ("First USA"), pursuant to the Pooling and Servicing
Agreement dated as of November 1, 1994 (as amended and supplemented, the
"Agreement"), as supplemented by the Series 1996-A Supplement dated as of
March 27, 1996 (as amended and supplemented, the "Series Supplement"), between
First USA, as Seller and Servicer, and Bankers Trust Company, as Trustee,
does hereby certify as follows:

         1.   Capitalized terms used in this Certificate have their respective
meanings as set forth in the Agreement or Series Supplement, as applicable.

         2.   First USA is, as of the date hereof, the Servicer under the
Agreement.

         3.   The undersigned is a Servicing Officer.

         4.   This Certificate relates to the Distribution Date occuring on
16-Jan-01.
---------

         5.   As of the date hereof, to the best knowledge of the
undersigned, the Servicer has performed in all material respects all its
obligations under the Agreement through the Monthly Period preceding such
Distribution Date.

         6.   As of the date hereof, to the best knowledge of the
undersigned, no Pay Out Event has been deemed to have occurred on or prior to
such Distribution Date.

         7.   As of the date hereof, to the best knowledge of the
undersigned, no Lien has been placed on any of the Receivables other than
pursuant to the Agreement.

         IN WITNESS WHEREOF, the undersigned has duly executed and delivered
this Certificate this 9th day of Jan-01.
                      ---        ------

         FIRST USA BANK, N.A.
         as Servicer

         By:           /s/  Tracie H. Klein
                     --------------------------------------
                     Tracie H. Klein
                     First Vice President




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