Credit Card FAQs
Can I personalize my card PIN?
Yes, you can personalize your own debit or credit card PIN. Your chip card must be present in order to immediately change your PIN.
- Debit Cards: Bring your card to any First Tech ATM or First Tech location and personalize your PIN.
- Credit Cards: Use any First Tech ATM to personalize your PIN.
Locate a local First Tech ATM or location by visiting firsttechfed.com/locations, through our mobile app or by calling 855.855.8805.
What if I do not know my current PINWe can help you with that! Just stop by any First Tech Experience Center location or call our Experience Contact Center at 855.855.8805.
Can I place a travel alert on my credit and/or debit cards?Yes, we actually recommend setting a travel alert on your cards to prevent our fraud monitoring
system from blocking your card when they notice spending outside of your usual area. Please
contact us and provide your travel dates and destination(s).
You can send a secure message through Online Banking, contact us at 855.855.8805 or visit a location near you.
How do I transfer a credit card balance from another financial institution to my First Tech credit card?
Simply contact us and we'll get the balance transfer ball rolling. The good news is that unlike most of our competitors, there isn't a fee for this service.
To process the balance transfer, we need:
- Name of the financial institution to be paid
- Address of the financial institution to be paid
- Dollar amount to be paid
- Account number to be paid
You will also need to know the First Tech credit card number or account number where the balance will be transferred.
Is there a fee to payoff my credit card with you?
Absolutely not - You're welcome to payoff your credit card at anytime.
If you have any questions, please contact us at 855.855.8805 or visit a location near you.
Why did my credit card rate change?
Credit card rates change for several reasons:
Most credit cards have variable interest rates that are a reflection of the Prime Rate plus margin. At First Tech, this means that the interest rate can increase or decrease based on the Prime Rate as published in the Western Edition of the Wall Street Journal.
The Annual Percentage Rate (APR) for an individual member’s credit card is determined by their credit score. When their credit score changes we may change the APR to the current rate we offer for that credit score range, including decreasing the APR when a member’s credit score improves. This is called a reprice and we will always notify you if we change your APR due to a reprice. Accounts are reviewed for repricing on a semi-annual basis.
Why did my credit card's interest rate increase?
To meet federal regulation requirements, we periodically review our credit card account owners' credit score(s) to determine if we need to adjust a rate up or down. To ensure you have the best rate possible, the new rate is based on the highest credit score available among all credit card account owners.
Have questions about your rate change? View our comprehensive FAQs.
If you have any additional questions, contact us at 855.855.8805 or visit a location near you.
What should I do if I didn't receive a replacement credit card by the time mine expired?
In the event you haven't received a replacement card by the middle of the month the card is set to expire, send us a secure message through Online Banking or visit a location near you and we'll mail you a replacement card.
First Tech just increased the credit limit on my credit card. Can I opt out?
Yes. Simply call us at 855.855.8805 and we can restore your credit line to its prior limit.
First Tech just increased the credit limit on my credit card. Did you pull my credit?
We reviewed your credit under what is called a “soft inquiry.” It does not impact your credit score.
First Tech just increased the credit limit on my credit card. Will the limit increase affect my credit score?Credit bureaus consider a variety of factors when determining a credit score. One of those factors is credit line utilization, which measures how much credit you have available and how much you are using. By increasing the amount of credit available, you may see a positive impact to your credit score.
It is always a good idea to review your credit report annually through www.annualcreditreport.com. You can also visit each of the credit bureaus websites where you will find great information about a variety of factors that impact your score.
How do I use a Chip and PIN card?
Important: Before you can begin using your chip card, you need two things:
- Obtain your PIN. For security reasons, your PIN is mailed separately from your card.
- Activate your new card per the instructions on the front of the card.
Chip cards are easy to use. Your First Tech Mastercard has chip and magnetic stripe technology. That means, regardless of what type of terminal a merchant has, you'll be able to use your card anywhere Mastercard is accepted. Your PIN will be required for most transaction types. Some merchants may ask you to sign for your transaction.
At retailers with chip-enabled terminals: Insert your card and follow the prompts on the terminal.
At retailers without chip terminals: Swipe your card and proceed as you normally would.
Over the phone or online: Provide your card information the way you always have when you're ready to make a purchase.
How can I locate my credit card payment information online?
Login to Online Banking, select your credit card account and click the Account Details tab.
The payment amount is 2% of balance, $25, or the entire balance if the balance is less than $25.
You can establish automatic, re-occurring payments for the minimum amount due, a specific amount (i.e. $100 per month) or pay the balance in full each month.
If you would like assistance at any point, please contact us at 855.855.8805 or visit a location near you.
What credit card reward programs do you offer?
We offer several rewards packages through our credit cards in an effort to provide you with the flexibility to choose how you want to reward yourself. Choose from travel, merchandise, cash and more.
Browse our Credit Card product pages to review and compare rewards programs.
How do I redeem my credit card reward points online?
To access the new Rewards Program, log into Online Banking and look for the Rewards Intro Widget. Note: The Rewards Intro widget is available in Online Banking, but not in the Mobile App. Click here for complete instructions. If you need further assistance or would like to sign up for our Rewards program, please contact us at 855.855.8805 or visit a location near you.
Business Rewards Members: Business Rewards cannot be accessed from within Online or Mobile Banking. To access Business rewards points, go to https://bizrewards.firsttechfed.com . You will need to register your Business Rewards card before logging in the first time.
What benefits does my debit card offer?
Learn more here.
What is the difference between Chip and PIN versus Chip and Signature?
Chip and PIN is the most secure type of credit card technology. Instead of a signature being used for identity verification, it requires you to enter a four-digit Personal Identification Number (PIN) that must correspond to information contained in a computer chip embedded within the card. The Chip and PIN authentication method has been a global standard across Europe and Asia for many years which means using your card while traveling overseas will be even more convenient. Authorizing your transactions with a PIN is not new to debit card transactions, but is a new way to authorize payments with a credit card.
You may occasionally still be asked to sign for transactions while using your chip card. Please be assured that while these transactions are still secure, many merchants do not yet support chip and PIN so you may encounter this from time to time. First Tech is committed to ensuring chip and PIN technology is available wherever merchants accept it. Learn more at firsttechfed.com/mastercard.