<PAGE>

                                                                   EXHIBIT 99.01



                     MONTHLY CERTIFICATEHOLDERS' STATEMENT

                             FIRST USA BANK, N.A.

              ---------------------------------------------------
               FIRST USA CREDIT CARD MASTER TRUST, SERIES 1994-4
              ---------------------------------------------------

                Monthly Period:                     3/1/00  to
                                                    3/31/00
                Distribution Date:                  4/17/00
                Transfer Date:                      4/14/00

Under Section 5.02 of the Pooling and Servicing Agreement dated as of
September 1, 1992 (the "Pooling and Servicing Agreement") by and between First
USA Bank, N.A. (the "Bank") and The Bank of New York (Delaware), as trustee (the
"Trustee") the Bank, as Servicer, is required to prepare certain information
each month regarding current distributions to Certificateholders and the
performance of the First USA Credit Card Master Trust (the "Trust") during the
previous month. The information which is required to be prepared with respect to
the Trust during the Monthly Period referenced above is set forth below. Certain
information is presented on the basis of an original principal amount of $1,000
per Series 1994-4 Certificate (a "Certificate"). Certain other information is
presented based on the aggregate amount for the Trust as a whole. Capitalized
terms used in this Monthly Certificateholders' Statement have their respective
meanings set forth in the Pooling and Servicing Agreement.

A.  Information Regarding the Current Monthly Distribution.
    -------------------------------------------------------

    1.  The total amount of the distribution
        to Certificateholders on the Distribution Date
        per $1,000 original certificate principal amount
                              Class A                               $5.83917
                              Class B                               $6.03167
                              CIA                                   $6.19041
                                                            ----------------
                                Total (Weighted Avg.)               $5.88680

    2.  The amount of the distribution set forth in
        paragraph 1 above in respect of interest on
        the Certificates, per $1,000 original
        certificate principal amount
                              Class A                               $5.83917
                              Class B                               $6.03167
                              CIA                                   $6.19041
                                                            ----------------
                                Total (Weighted Avg.)               $5.88680


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MONTHLY CERTIFICATEHOLDERS' STATEMENT                              Series 1994-4
Page 2

    3.  The amount of the distribution set forth in
        paragraph 1 above in respect of principal on
        the Certificates, per $1,000 original certificate
        principal amount
                              Class A                               $0.00000000
                              Class B                               $0.00000000
                              CIA                                   $0.00000000
                                                            -------------------
                              Total (Weighted Avg.)                 $0.00000000


B.  Information Regarding the Performance of the Trust.
    ---------------------------------------------------

    1.  Allocation of Principal Receivables.
        ------------------------------------

        The aggregate amount of Allocations of
        Principal Receivables processed during the
        Monthly Period which were allocated in
        respect of the Certificates
                              Class A                           $113,028,677.78
                              Class B                             $8,809,672.80
                              CIA                                $13,531,196.77
                                                            -------------------
                              Total                             $135,369,547.35

    2.  Allocation of Finance Charge Receivables
        ----------------------------------------

        (a1)  The aggregate amount of Allocations of
              Finance Charge Receivables processed during
              the Monthly Period which were allocated in
              respect of the Certificates
                              Class A                            $11,327,890.78
                              Class B                               $882,917.64
                              CIA                                 $1,356,115.30
                                                            -------------------
                              Total                              $13,566,923.72

    3.  Principal Receivable/Investor Percentages
        -----------------------------------------

        (a)   The aggregate amount of Principal
              Receivables in the Trust as of the last day
              of the Monthly Period                          $36,401,753,059.56

        (b)   Invested Amount as of the last day of the
              preceding month
                              Class A                           $726,450,000.00
                              Class B                            $56,550,000.00
                              CIA                                $87,000,000.00
                                                            -------------------
                              Total                             $870,000,000.00

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MONTHLY CERTIFICATEHOLDERS' STATEMENT                              Series 1994-4
Page 3

        (c) The Floating Allocation Percentage: The Invested
            Amount set forth in paragraph 3(b) above as a
            percentage of the aggregate amount of Principal
            Receivables set forth in paragraph 3(a) above
                              Class A                                     1.996%
                              Class B                                     0.155%
                              CIA                                         0.239%
                                                                          ------
                              Total                                       2.390%

        (d) During the Amortization Period: The Invested
            Amount as of _______ (the last day of the
            Revolving Period)
                              Class A                                     $0.00
                              Class B                                     $0.00
                              CIA                                         $0.00
                                                             ------------------
                              Total                                       $0.00

        (e) The Fixed/Floating Allocation Percentage: The
            Invested Amount set forth in paragraph 3(d)
            above as a percentage of the aggregate amount
            of Principal Receivables set forth in paragraph
            3(a) above
                              Class A                                     0.000%
                              Class B                                     0.000%
                              CIA                                         0.000%
                                                                          ------
                              Total                                       0.000%

    4.  Delinquent Balances.
        --------------------

        The aggregate amount of outstanding balances in
        the Accounts which were delinquent as of the end
        of the day on the last day of the Monthly Period


        (a)   35 - 64 days                                      $429,919,820.18
        (b)   65 - 94 days                                      $308,515,296.32
        (c)   95 - 124 days                                     $259,370,109.95
        (d)   125 - 154 days                                    $229,194,360.22
        (e)   155 - 184 days                                    $213,948,592.85
        (f)   185 or more days                                            $0.00
                                                                          -----
                              Total                           $1,440,948,179.52


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MONTHLY CERTIFICATEHOLDERS' STATEMENT                              Series 1994-4
Page 4

    5.  Monthly Investor Default Amount.
        --------------------------------

        (a)   The aggregate amount of all defaulted Principal
              Receivables written off as uncollectible during
              the Monthly Period allocable to the Invested
              Amount (the aggregate "Investor Default Amount")
                              Class A                             $2,976,770.13
                              Class B                               $232,015.20
                              CIA                                   $356,363.21
                                                                    -----------
                              Total                               $3,565,148.54

        (b)   The amount set forth in paragraph 5(a) above
              in respect of the Monthly Investor Default
              Amount, per original $1,000 interest
                              Class A                                     $4.10
                              Class B                                     $4.10
                              CIA                                         $4.10
                                                                          -----
                              Total                                       $4.10

    6.  Investor Charge-Offs & Reimbursements of Charge-Offs.
        -----------------------------------------------------

        (a)   The aggregate amount of Class A Investor
              Charge-Offs and the reductions in the Class B
              Invested Amount and the CIA
                              Class A                                     $0.00
                              Class B                                     $0.00
                              CIA                                         $0.00
                                                             ------------------
                              Total                                       $0.00

        (b)   The amounts set forth in paragraph 6(a)
              above, per $1,000 original certificate
              principal amount (which will have the
              effect of reducing, pro rata, the amount
              of each Certificateholder's investment)
                              Class A                                     $0.00
                              Class B                                     $0.00
                              CIA                                         $0.00
                                                             ------------------
                              Total                                       $0.00



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MONTHLY CERTIFICATEHOLDERS' STATEMENT                              Series 1994-4
Page 5

        (c)   The aggregate amount of Class A Investor
              Charge-Offs reimbursed and the reimbursement
              of reductions in the Class B Invested Amount
              and the CIA

                              Class A                                     $0.00
                              Class B                                     $0.00
                              CIA                                         $0.00
                                                             ------------------
                              Total                                       $0.00

        (d)   The amounts set forth in paragraph 6(c)
              above, per $1,000 interest (which will have
              the effect of increasing, pro rata, the amount
              of each Certificateholder's investment)

                              Class A                                     $0.00
                              Class B                                     $0.00
                              CIA                                         $0.00
                                                             ------------------
                              Total                                       $0.00


    7.  Investor Servicing Fee
        ----------------------
        (a)   The amount of the Investor Monthly Servicing Fee
              payable by the Trust to the Servicer for the
              Monthly Period

                              Class A                               $908,062.50
                              Class B                                $70,687.50
                              CIA                                   $108,750.00
                                                                    -----------
                              Total                               $1,087,500.00

        (b)   The amount set forth in paragraph 7(a) above,
              per $1,000 interest

                              Class A                               $1.25000000
                              Class B                               $1.25000000
                              CIA                                   $1.25000000
                                                                    -----------
                              Total                                 $1.25000000

    8.  Reallocated Principal Collections
        ---------------------------------
              The amount of Reallocated CIA
              and Class B Principal Collections applied
              in respect of Interest Shortfalls, Investor
              Default Amounts or Investor Charge-Offs for
              the prior month.

                              Class B                                     $0.00
                              CIA                                         $0.00
                                                                          -----
                              Total                                       $0.00

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MONTHLY CERTIFICATEHOLDERS' STATEMENT                              Series 1994-4
Page 6

    9.  Collateral Invested Amount
        (a)   The amount of the Collateral Invested Amount
              as of the close of business on the related
              Distribution Date after giving effect to
              withdrawals, deposits and payments to be made
              in respect of the preceding month                   $87,000,000.00

        (b)   The Required CIA Invested Amount as of the
              close of business on the related
              Distribution Date after giving effect to
              withdrawals, deposits and payments to be made
              in respect of the preceding month                   $87,000,000.00

    10. The Pool Factor
        ---------------
              The Pool Factor (which represents the ratio of the amount of the
              Investor Interest on the last day of the Monthly Period, inclusive
              of any principal payments to be made on the related Distribution
              Date, to the amount of the Investor Interest as of the Closing
              Date). The amount of a Certificateholder's pro rata share of the
              Investor Participation Amount can be determined by multiplying the
              original denomination of the holder's Certificate by the Pool
              Factor
                              Class A                                1.00000000
                              Class B                                1.00000000
                              Total                                  1.00000000

    11. The Portfolio Yield
        -------------------
          The Portfolio Yield for the related Monthly Period              13.80%


    12. The Base Rate
        -------------
          The Base Rate for the related Monthly Period                    8.39%



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MONTHLY CERTIFICATEHOLDERS' STATEMENT
Signature Page


                                First USA Bank, N.A.
                                as Servicer


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