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                                                                     EXHIBIT 28F

                  CERTIFICATEHOLDER'S PAYMENT DATE STATEMENT
                     First USA Bank, National Association

                         FIRST CHICAGO MASTER TRUST II
                                 Series 1996-S
                               February 12, 2001

Under the Pooling and Servicing Agreement (the "Pooling and Servicing
Agreement") dated as of June 1, 1990 as amended and restated as of September 1,
1999, by and between First USA Bank, National Association,, as Seller and
Servicer ("First USA"), and Norwest Bank Minnesota, National Association, as
Trustee, (the "Trustee"), as amended and supplemented by the Series 1996-S
Supplement dated as of November 1, 1996 by and between First USA and the
Trustee, First USA, as Servicer, is required to prepare certain information for
each Payment Date regarding current distributions to Class A Certificateholders
and the performance of the First Chicago Master Trust II (the "Trust") during
the previous period. The information which is required to be prepared with
respect to the distribution on the February 15, 2001 Payment Date and with
respect to the performance of the Trust during the Due Period for such Payment
Date is set forth below. Certain of the information is presented on the
aggregate amounts for the Trust as a whole. All capitalized terms used herein
shall have the respective meanings set forth in the Pooling and Servicing
Agreement.

A. Information Regarding the Current Distribution (Stated on the Basis of $1,000
   Original Principal Amount)

   1.  The total amount of the distribution to Class A
       Certificateholders on the Payment Date per $1,000
       interest.                                                         $5.006

   2.  The amount of the distribution set forth in paragraph
       1 above in respect of principal on the Class A
       Certificates, per $1,000 interest                                 $0.000

   3.  The amount of the distribution set forth in paragraph
       1 above in respect of interest on the Class A
       Certificates, per $1,000 interest                                 $5.006

B. Information Regarding the Performance of the Trust

   1.  Collections of Receivables
   ------------------------------

   a.  The aggregate amount of Collections of Receivables
       processed for the Due Period with respect to the
       current Distribution Date which were allocated in
       respect of the Investor Certificates of all Series     $2,303,550,148.05

   b.  The aggregate amount of Collections of Receivables
       processed for the Due Period with respect to the
       current Distribution Date which were allocated in
       respect of the Series 1996-S Certificates                $266,526,463.33

   c.  The aggregate amount of Collections of Receivables
       processed for the Due Period with respect to the
       current Distribution Date which were allocated in
       respect of the Class A Certificates                      $233,210,655.42

   d.  The amount of Collections of Receivables processed
       for the Due Period with respect to the current
       Distribution Date which were allocated in respect of
       the Class A Certificates, per $1,000 interest                   $333.158

   e.  The amount of Excess Spread for the Due Period with
       respect to the current Distribution Date                   $6,895,639.46

   f.  The amount of Reallocated Principal Collections for
       the Due Period with respect to the current
       Distribution Date allocated in respect of the Class A
       Certificates                                                       $0.00

   g.  The amount of Excess Finance Charge Collections
       allocated in respect of the Series 1996-S
       Certificates, if any                                               $0.00
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                                                                 Series  1996-S

   h.  The amount of Excess Principal Collections allocated
       in respect of the Series 1996-S Certificates, if any               $0.00

   2.  Receivables in Trust
   ------------------------

   a.  Aggregate Principal Receivables for the Due Period
       with respect to the current Distribution Date (which
       reflects the Principal Receivables represented by the
       Exchangeable Seller's Certificate and by the Investor
       Certificates of all Series)                           $14,948,586,259.11

   b.  The amount of Principal Receivables in the Trust
       represented by the Series 1996-S Certificates (the
       "Invested Amount") for the Due Period with respect to
       the current Distribution Date                            $800,000,000.00

   c.  The amount of Principal Receivables in the Trust
       represented by the Class A Certificates (the "Class A
       Invested Amount") for the Due Period with respect to     $700,000,000.00
       the current Distribution Date

   d.  The Invested Percentage with respect to Finance
       Charge Receivables (including Interchange) and
       Defaulted Receivables for the Series 1996-S
       Certificates for the Due Period with respect to the
       current Distribution Date                                          5.352%

   e.  The Invested Percentage with respect to Principal
       Receivables for the Series 1996-S Certificates for
       the Due Period with respect to the current
       Distribution Date                                                  5.352%

   f.  The Class A Floating Percentage for the Due Period
       with respect to the current Distribution Date                     87.500%

   g.  The Class A Principal Percentage for the Due Period
       with respect to the current Distribution Date                     87.500%

   h.  The Collateral Floating Percentage for the Due Period
       with respect to the current Distribution Date                     12.500%

   i.  The Collateral Principal Percentage for the Due
       Period with respect to the current Distribution Date              12.500%

   3.  Delinquent Balances
   -----------------------

       The aggregate amount of outstanding balances in the
       Accounts which were 30 or more days delinquent as of
       the end of the Due Period for the current
       Distribution Date                                        $710,517,966.74

   4.  Investor Default Amount
   ---------------------------

   a.  The aggregate amount of all Defaulted Receivables
       written off as uncollectible during the Due Period
       with respect to the current Distribution Date
       allocable to the Series 1996-S Certificates (the
       "Investor Default Amount")

       1.  Investor Default Amount                                $4,885,598.75
       2.  Recoveries                                               $141,394.57
       3.  Net Default Receivables                                $4,744,204.18
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                                                                Series  1996-S

   b.  The Class A Investor Default Amount

        1.  Investor Default Amount                               $4,274,898.91
        2.  Recoveries                                              $123,720.25
        3.  Net Default Receivables                               $4,151,178.66

   c.  The Collateral Investor Default Amount

        1.  Investor Default Amount                                 $610,699.84
        2.  Recoveries                                               $17,674.32
        3.  Net Default Receivables                                 $593,025.52

   5.  Investor Charge-offs.
   -------------------------

   a.  The amount of the Class A Investor Charge-Offs per
       $1,000 interest after reimbursement of any such Class
       A Investor Charge-Offs for the Due Period with
       respect to the current Distribution Date                           $0.00

   b.  The amount attributable to Class A Investor Charge-
       Offs, if any, by which the principal balance of the
       Class A Certificates exceeds the Class A Invested
       Amount as of the end of the day on the Record Date
       with respect to the current Distribution Date                      $0.00

   c.  The amount of the Collateral Charge-Offs,if any, for
       the Due Period with respect to the current
       Distribution Date                                                  $0.00

   6.  Monthly Servicing Fee
   -------------------------

   a.  The amount of the Monthly Servicing Fee payable from
       available funds by the Trust to the Servicer with
       respect to the current Distribution Date                     $166,666.67

   b.  The amount of the Interchange Monthly Servicing Fee
       payable to the Servicer with respect to the current
       Distribution Date                                            $833,333.33

   7.  Available Cash Collateral Amount
   ------------------------------------

   a   The amount, if any, withdrawn from the Cash
       Collateral Account for the current Distribution Date
       (the "Withdrawal Amount")                                          $0.00

   b.  The amount available to be withdrawn from the Cash
       Collateral Account as of the end of the day on the
       current Distribution Date, after giving effect to all
       withdrawals, deposits and payments to be made on such
       Distribution Date (the "Available Cash Collateral
       Amount" for the next Distribution Date)                    $8,000,000.00

   c.  The amount as computed in 7.b as a percentage of the
       Class A Invested Amount after giving effect to all
       reductions thereof on the current Distribution Date                1.143%

   8.  Collateral Invested Amount
   ------------------------------

   a.  The Collateral Invested Amount for the current
       Distribution Date                                        $100,000,000.00

   b.  The Collateral Invested Amount after giving effect to
       all withdrawals, deposits, and payments on the
       current Distribution Date                                $100,000,000.00
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     9.  Total Enhancement                                       Series  1996-S
     ---------------------

     a.  The total Enhancement for the current Distribution
         Date                                                   $108,000,000.00

     b.  The total Enhancement after giving effect to all
         withdrawals, deposits and payments on the current
         Distribution Date                                      $108,000,000.00

C. The Pool Factor
------------------

       The Pool Factor (which represents the ratio of the
       Class A Invested Amount on the last day of the month
       ending on the Record Date adjusted for Class A
       Investor Charge-Offs set forth in B.5.a above and for
       the distributions of principal set forth in A.2 above
       to the Class A Initial Invested Amount). The amount
       of a Class A Certificateholder's pro rata share of
       the Class A Invested Amount can be determined by
       multiplying the original denomination of the holder's
       Class A Certificate by the Pool Factor                      100.00000000%

D. Deficit Controlled Amortization Amount
-----------------------------------------

   1.  The Deficit Controlled Amortization Amount for the
       preceding Due Period                                               $0.00
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CERTIFICATEHOLDER'S PAYMENT DATE STATEMENT
Signature Page






                                   First USA Bank, National Association
                                     as Servicer





                                   By:       /s/ Tracie Klein
                                             ----------------------------
                                             TRACIE KLEIN
                                   Title:    FIRST VICE PRESIDENT