<PAGE>

                                                                   EXHIBIT 99.01



                     MONTHLY CERTIFICATEHOLDERS' STATEMENT

                             First USA Bank, N.A.

                -----------------------------------------------

               FIRST USA CREDIT CARD MASTER TRUST, SERIES 1994-4

                -----------------------------------------------

                Monthly Period:                    01/01/2000 to
                                                   01/31/2000
                Distribution Date:                 02/15/2000
                Transfer Date:                     02/14/2000

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                               $4.80861111
                              Class B                                4.97194444
                              Collateral Inv. Amt.                   5.14305552
                                                            -------------------
                              Total (weighted avg.)                 $4.85267222

    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                               $4.80861111
                              Class B                                4.97194444
                              Collateral Inv. Amt.                   5.14305552
                                                            -------------------
                              Total (weighted avg.)                 $4.85267222


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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
                              Collateral Inv. Amt.                   0.00000000
                                                            -------------------
                              Total                                 $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                           $107,767,956.77
                              Class B                              8,393,599.25
                              Collateral Inv. Amt.                12,897,908.50
                                                            -------------------
                              Total                             $129,059,464.52
                                                            ===================

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

        The aggregate amount of Allocations of
        Finance Charge Receivables processed during
        the Monthly Period which were allocated in
        respect of the Certificates

                              Class A                            $10,716,190.06
                              Class B                                834,194.44
                              Collateral Inv. Amt.                 1,283,376.06
                                                            -------------------
                              Total                              $12,833,760.56
                                                            ===================

    3.  Principal Receivables/Investor Percentages.
        -------------------------------------------

        (a)   The aggregate amount of Principal
              Receivables in the Trust as of the last day
              of the Monthly Period                          $37,057,991,590.07

        (b)   Invested Amount as of the last day of the
              Monthly Period

                              Class A                           $726,450,000.00
                              Class B                             56,550,000.00
                              Collateral Inv. Amt.                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                                    1.960%
                              Class B                                    0.153%
                              Collateral Inv. Amt.                       0.235%
                                                             ------------------
                              Total                                      2.348%

        (d) During the Amortization Period: The Invested
            Amount as of _______ (the last day of the
            Revolving Period)

                              Class A                                      N.A.
                              Class B                                      N.A.
                              Collateral Inv. Amt.                         N.A.
                                                             ------------------
                              Total                                        N.A.

        (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                                      N.A.
                              Class B                                      N.A.
                              Collateral Inv. Amt.                         N.A.
                                                             ------------------
                              Total                                        N.A.

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

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

        (a)   35 - 64 days                                      $477,756,763.75
        (b)   65 - 94 days                                       329,483,718.88
        (c)   95 - 124 days                                      295,233,672.16
        (d)   125 - 154 days                                     247,348,256.90
        (e)   155 - 184 days                                     219,276,208.33
        (f)   185 or more days                                             0.00
                                                             -------------------
                              Total                           $1,569,098,620.02
                                                             ===================


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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                             $3,159,525.64
                              Class B                                245,951.10
                              Collateral Inv. Amt.                   378,386.30
                                                             ------------------
                              Total                               $3,783,863.04
                                                             ==================

        (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                                     $4.35
                              Class B                                      4.35
                              Collateral Inv. Amt.                         4.35
                                                             ------------------
                              Total                                       $4.35
                                                             ==================

    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 Collateral Invested
              Amount

                              Class A                                     $0.00
                              Class B                                      0.00
                              Collateral Inv. Amt.                         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
                              Collateral Inv. Amt.                         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 Collateral Invested Amount

                              Class A                                     $0.00
                              Class B                                      0.00
                              Collateral Inv. Amt.                         0.00
                                                             ------------------
                              Total                                       $0.00
                                                             ==================

        (d)   The amount 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
                              Collateral Inv. Amt.                         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
                              Remaining Servicing Fee                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
                              Remaining Servicing Fee                1.25000000
                                                             ------------------
                              Total                                  1.25000000
                                                             ==================

    8.  Reallocated Principal Collections
        ---------------------------------

        The amount of Reallocated Collateral 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
                              Collateral Inv. Amt.                         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 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

    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 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 (weighted avg.)                  1.00000000

    11. The Portfolio Yield.
        --------------------

        The Portfolio Yield for the Related Monthly Period               12.48%


    12. The Base Rate.
        --------------

        The Base Rate for the Related Monthly Period                      8.20%







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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